What are your thoughts on using the preferred lender? Is it better or worse? WHY? I'd love to hear your thoughts & where you're from. Also, if you're new to my channel, please subscribe & ring the bell to be notified each time I post new videos. Thanks!
That's an excellent question. My advice is the same. Reach out to the Realtors preferred lender & one that you select to determine which one you should go with. Thanks for watching.
That is an excellent question. Every builder is different. You should be able to max out the incentive & maybe even get a little extra. Where are you looking to build a home?
@@TyWilde Palm Coast, Florida with Century Home Community as the builder. It would be an investment property as we already have a retirement home in the same city, closing this month.
That's a great question. I would check what the other builders are offering in the area. One of my clients here in Utah just got a 4.99% 30-year fixed rate + $10k toward closing costs.
Not always the case, preferred lender something are part of the same corporation that owns the community. They paid for the closing cost but the interest are higher, so that how the cover those cost.
So when my builder give me a move-in date, I need to shop around for a loan within 45 days of that move-in date? Should I get a broker that specializes in VA loan? Initially, I got pre-approved by Shea Homes Mortgage for VA loan.
That's an excellent question. You should start looking before the 45 day mark. Then at that point go back to both lenders & ask them to give you their best quote letting them know you are talking to a 2nd lender. Most lenders know how to do VA so I dont think you need to search out a lender that specializes in VA. Best of luck to you.
@@TyWilde is it a good idea if i put a downpayment in VA loan to lower my monthly payments or not at all? thanks again for replying to all my questions, i pretty much watched all your yt videos.
@@akila219 You're a Hero. I'm honored to help you. Thanks for watching & for sharing. Best of luck & as always, don't hesitate to reach out to me at any time.
Guys I know he said builders will charge interest if you cannot close on time, and that is true they will try. Tell them if they charge additional interest you will not close.. and be firm. This is happened twice to me and both times we closed. The builder sucked up the cost once and the listing agent paid them the second time. The builder will do everything in their power to not cancel a closing.
I'm happy for you Phil. That is great. But your advice isn't 100%. There is a risk. And if the home has increased in value the builder will gladly cancel you & sell the home to someone else for $20k more. I have personally see this happen A LOT. Some builders are extremally quick to cancel you if there's a bunch of equity on the table.
@@TyWilde thank you for the quick reply and perspective. I would definitely not recommend my negotiating tactic in a sellers market, but in today's market where builders or giving concessions, they will be more flexible. Second agents do not want to lose the commission. My agent quickly said they will pay the $350, because they knew I was not going to close. this was in 2015 when the market was a little different though. Bottom line do not fall in love with the property and you will be able to negotiate better.
You gave great advice! I have a full-time job as well. As I drive for uber, is there a chance that I could possibly get a new build with my current situation
I'm looking to purchase a new build my current house has tripled in value the new build price has come down from $343,000 to $279,000. I'm having a hard time trading my 3% rate for 6%??? Lender is paying all closing costs & paying down my rate to 5%???
If you're putting down a large sum of money & the new house payment is something you're very comfortable with and you really really want the new home then I would say do it. Historically, 5% is still a good rate.
I had a very bad experience with preferred lender. They promised to match any outside lender terms and then 2 weeks before closing when locking in the interest rate they would not match and cost me tens of thousands of dollars in interest over the loan term. I would be very hesitant to use the preferred lender every again.
Thanks for sharing your experience. I'm sorry it wasn't a good one. No doubt, there are some bad ones, but for the most part the preferred lender is the best route.
WE did not have a choice the builder required us to use their preferred lender. We applied for and qualified for military hero's loan. Our hero's loan was approved, provided multiple preapproval letter to builder from, locked in our rate, appraisal done and then couple weeks or so before closing we were told we had to use your preferred lender and pay $6000 in points to get an interest rate that is higher than our hero's loan rate (we did not have $6000) and we must close with on time or be sued. The preferred lender payment is almost $500 more a month mortgage and they had to redo paperwork, so we closed 2 days late. This is our first NEW house ever. Even our bank tried to write to your office, but they refuse to let our bank do the loan.
They can't force you to use a specific lender, but per your contract, you may have agreed to accepting some benefit that tied you to that lender. Or some builders require you to make the decision at time of contract or shortly after.
4:02 I want to build a home because I want my dream home, to avoid maintenance due to previous owners' negligence, and to take advantage of the advances in building and building material technologies.
AMEN!! I have my own problems I don't want to buy a used home & inherit someone else problems. And, yes, Homes are built so much better these days. Thanks for watching & for your comment.
@@Robert-xo3er Thanks. I appreciate it more than you know. Please let me know if you have any questions & hopefully I'll hear more from you in the future.
I wanted to build because we our new parents and I don’t want the stress of a fixer upper while I having an infant. I like the peace of mind that everything is new and no surprise!! Im glad I went with the preferred lender and our first lender would caused us problems I just know it! The process was easy we asked all the questions and the numbers for the preferred lenders was a lot better then our original lender!
For me the 5k incentive was not a good deal. Interest rates are high, and yeah preferred lender sent me 27 emails with no useful offer lol so the lender of my choice was the best deal.
I love your videos! My primary reason to build my own home is because I want the house as I want it by the time I move in. I don’t know anything about renovating or doing DIY projects. I want to pick my lot, floor plan and upgrades and movie in!!
Thanks for your wonderful compliment. I appreciate it more than you know. I agree with you on the DIY. I can do some of it, but I don't want to. HA HA!
Hi Ty! I am from CA, and I want to build a home because I do not want to deal with plumbing issues, etc in an existing home. Thanks for your videos they help me a lot!
You are so welcome. Thanks for watching & for sharing. Best of luck to you & what part of California are you from? My little brother lives near Huntington Beach.
Ty, thank you for these videos. They have helped a ton during our build process. Primary reason for wanting to build a home is being able to hand select the community, lot, the floor plan, & most of the final finishes. We are building with a Big National Builder. We are using their affiliate lender. Just locked in at a great rate under 3%. No origination Fee and the builder included thousands towards closing cost. Plus a free finished basement. I really thought it was too good to be true and was looking for the "catch". I dont think any other lender would have been able to compete.
Thanks for the compliment & for sharing. Yeah, it would have been impossible for an outside lender to do that. They would have lost money to match that deal. And what you're talking about is a perfect example of why it's better to go with the builder's preferred lender. Who did you build with & where are you building?
Well, in this market, it's a lot different than a normal market, but I would hire a Realtor to come to your home & make suggestions on the things that should be done vs. the things you can let go. I have a client in West Valley City that's just doing a few fixes before we list his home. Where is your home located?
@@RicardoHernandez-zr1pw This a great time to sell an older time because of the large # of home buyers. They can't be as picky as normal. How cool is that?
My outside lender is offering a 2.25 rate. The home lender from the home could be offering a 3percent. Now the home lender would cover closing cost , for this scenario let’s say 10k. The difference of interest in the long run would be close to 24k. Lower rate better deal?
Tsubasa Rides That depends on how long you’re planning to stay in the house. If you’re only planning to stay there for a few years take the higher rate. If you plan to stay in the house for the rest of your life take the lower rate. That being said in my experience usually the preferred lender will at least attempt to match the rate of the competitor. Best of luck to you. Please let me know how this turns out for you. BTW, where are you building at home?
Ty Wilde Realtor & New Home Construction Specialist You’re the best for replying, Turns a stressful slash Anxious Ridden situation down a couple notches. I’m Building in San Antonio Texas. Huge market for realtors like your self actually. Rapidly growing market
Ty Wilde Realtor & New Home Construction Specialist SA is big and spread out. It’s been growing very rapidly. Of course you have your beautiful areas and not so much like every city. The price of living in Texas is great In General. Homes go quick and builders keep popping Up in different areas. It’s definitely a sellers market.
Great video! I’m considering a new build in a retirement community in Florida and your videos have definitely been saved to my “moving to Florida “ list!
That is an excellent question. I'm actually not super comfortable using preferred lenders that are owned by large national builders especially the ones with terrible customer service. Obviously it's your call, but I wouldn't commit to using them, I would consider allowing them to give me a loan once they've proven they can be completive.
@@TyWilde Does “Lennar mortgage for LENNAR” consider “lender owned by large national builders “ ? I’m trying to understand the differences between in-house lender, lender owned by large national builders , and preferred lender. Thanks
@@lolimiy YES! Lennar has their own inhouse lender. That means the two companies are tied to each other. I personally thing it's a questionable business practice. I would use an outside lender & then take the quote to Lennar & see if they can beat them.
I’m going with a new construction home and the preferred lender quoted me 3.39% mortgage rate a few weeks ago, and my local credit union quoted me 2.87%. This is with 10% down payment and a 790 credit score. I was disgusted with the in-house lender. The $5000 incentive they gave me with going in-house lender is a joke when you compare the rate differences overtime.
Thanks, not all preferred lenders are the same. That being said, if you send the preferred lender your quote from the other lender, often, they'll beat it.
@@TyWilde When is the right time to show the in-house lender what my outside lender is offering? During the initial disclosure? 45 days before closing? I believe my builder only gives me 30 days from contract to switch lenders. In addition, rates quoted today are very different from 6 months (build time) from now with rate increasing. What’s the best approach?
@@TheAnonymous916 Well, the builder cannot force you to use a specific lenders so I wonder what they are doing there. Usually 60-45 days before closing you can start figuring things & you can only lock a rate for 45 days. Yeah, rates will be higher in 6 months without a doubt. I would walk away from the builder & see if you can find any lenders who will do a 6 month rate lock. It will cost you some money up front & with the delays, you want to be careful. But, if the builder is going to play hard ball, I'd just walk away from them.
Need info on construction loans. We will be building a home at Bear lake using a smaller builder needing to use a construction loan. Can you take us threw the proses. Thanks
Thanks for watching my video and for your comment. I’m actually not a specialist on construction loans due to the fact that I’ve spent my 15 years working for larger home builders who carry the loan for the buyer. That being said, I know you need to get prequalified with a bank for a construction loan and that loan continues to increase throughout the process as the builder spends money & builds the home. Bear lake though, that’s awesome! Congratulations!!
Great video! I know this is off topic, but what is your top 2 favorite closes when you are with a customer? For me, my first goal is to get them to pre-qualify on the home they are considering with our in-house lender. Ultimately, it would be to put down their earnest money on the home to progress the sale. What are your favorite top 2 closes to get them to commit and move forward?
Hey Austin, it's great to hear from you & thanks for the compliment. My favorite close all time is the assumptive close. When I spend an hour with someone showing them homes & talking about everything I'm assuming they're ready to go. I sit them down in my office & just pull out the contract asking if they brought their check book for earnest money. Other wise I'll just say, "well, are you ready to lock this one up?" I always try to get people to make a commitment on their first visit. Thanks for your excellent question. I hope all is going well with you & please keep in touch.
@@TyWilde Love it. The most common objection I've experienced is the "We want to think about it" response. Obviously, this is most likely the largest financial decision they will make in their lives and so that objection makes sense. However, what's the best way to push past that? Is it just to follow up at that point consistently?
Austin Webb Sorry for my slow response. UA-cam never notified me Of this response. When people say they need to think about it I like to ask what it is specifically that they need to think about. Often it’s an objective that I can easily overcome. That being said, it’s usually away people tell you that they’re not ready and it’s best to just follow up with them though I like to let them know that I will be following up with them. Hopefully all is well with you my friend and please if you have any other questions don’t hesitate to ask.
Great video. Thanks again Ty. Would you be able to do a deepdive video about the new contruction settlement process and associated costs (i.e. city/state taxes, recordation fees, title insurance and what it is, attorney fees, builder service fees, property tax, etc?). I appreciate all you do!
Val, Thanks for the compliment. I'm not sure if I'd be the best one to do the video you're requesting. It's out of my scope of experience. As a new home salesperson, I actually don't attend the closings at title & I don't even see the closing docs. Thanks for watching!!!
That my friend is an excellent question. The answer is a resounding YES! As a matter of fact, they are VERY LIKELY to not allow you to buy the home. Some builders may take a deeper look into why but others will just say no.
So we got approved for a loan like a month ago. We found a new community and a home builder we reserved the home and we have put the earnest money down and signed the contract. The preferred lender said that the numbers were just not working. So we told the home builder and they said this. That if we went with our own lender they may not close on time and we may end up paying late fees.
@@Clownkiller-k5c Yes. That sounds exactly like every builder I know. Just make sure your lender knows the closing date at least 30 days in advance. If the builder won't give you a date, once cabinets are installed, you should have about 45 days so that would be a good time for you to tell your lender to get things ready. Best of luck to you & thanks for watching.
Our builder just started the digging process for our new house. We have already been preapproved by our lender for this house. Our builder never offered their preferred lender-is it too late to ask about their preferred lender and if there are any incentives to using theirs? We have been wanting a “second opinion” on our rates. What do you suggest?
Excellent question. I would just ask if they have a preferred lender & if there is an incentive for using them. If they don't have a preferred lender you can just contact a second lender to compare the rate & terms against the original loan approval. I would probably wait to do this until the home is 45-60 days from completion. Maybe when they start painting the interior of the home. Please let me know if you have any other questions. Where are you building a home?
@@TyWilde we are considering a custom build but have yet to find the right lot. since buying from a builder in a new subdivision is another option, we thought to get preapproval/prequalify for a loan before doing our next move. since we are still narrowing down on our options, including which builder to go with. should we still ask each potential builder whoo their preferred lender is a get rates from each one? (we have 3 builders we are looking at)
@@bamc3835 As you meet with each builder, ask them if they have a preferred lender incentive. If so, ask them what it is. I wouldn't start the approval process until you've selected a builder. Then to make that builders lender compete, I would get a second pre-approval with an outside lender. Where are you looking to build?
@@TyWilde i know we seem to be going an unusual route on our future home build (i.e. contacting builder before even having a lot) but at this point i am still stuck on which builder to pick because it all boils down to who can give us the cheapest quote for the specs we need for our home. but it seems like we can't really get the real numbers unless we pick THE builder, go through the design phase and then they can give a closer ballpark figure for us. i am leaning towards a local builder who only does 1-3 houses a year with the logic that he oversees the builds himself and is more hands on versus the big national builders who might be more focused on wider profit margins and our project might not be big enough for them to pay attention to. we are in a suburb located south of houston
Bam C Sorry for my slow response. I’m just seeing your message and by the way go Astros! That was my little league baseball team, LOL. Did you select a builder yet?
Many preferred builders loan estimates had higher fees and rates compared to broker wholesale pricing. Even after factoring in the seller credits. Many lender builders are affiliates of the builders (disclosed by law) or even owned by the same parent company.
Thanks for watching & for sharing your thoughts. I sincerely appreciate you. In my experience as a new home sales person of over 15 years & now as a traditional Realtor, outside lenders almost never beet the builders preferred lender. I'd say more than 80% of buyers choose to go with the builders lender at the end of the day after comparing total costs to an outside lender. That being said, I ALWAYS tell my clients to get preapproved with 2 or 3 lenders.
My own lender can give me a lower rate but the preferred lender has a higher rate but kitchen appliance upgrades and $5,000 in closing cost incentives.
When you get about 45 days from closing, have both lenders compete one last time & see which one comes out on top at that point. When will your house be completed?
Building costs the same for an existing home with the same specifications here in the Atlanta area. Able to get some closing costs using the preferred lender.
Yes, most lenders will price match, but it’s such a shady business. They say they’ll give the best rate, but then they price match if its not the best rate
Good source of information. I agree with some of the points like it will be hassle free & easy communication with all parties but preferred lenders will not give you market competitive mortgage rate because they know you are receiving some incentives from builder & they are compensating it with mortgage rate. Just do your math. There is nothing wrong to shop around to know where you stand & make informed decision. Thank You !
Thanks for sharing your thoughts. I always recommend talking to two lenders but, that being said in my 15 years of experience the preferred lenders usually win because they’re offering the best deal.
Is the interest rate not locked in until the home is almost finished then? Our builder says it take 11 months to complete. Also, if I only have 10% down now, but will have 20% down 11 months from now, how does that work with the lender? Thanks!
Those are both excellent questions. You can lock the mortgage rate about 30 days before closing. As far as putting 20% down 11 months from now, that's totally fine. A lot of people save really hard during the build process so they can put more money down. Where are you building a home?
@@TyWilde The home will be in Florida. We haven’t started the build yet, but the builder we want to go with requires 5% up front. I have a good down payment and great credit, but my debt to income ratio will be very close, should I make sure that the contract says I can get some money back if I don’t get approved for the loan 11 months from now? Because a preapproval isn’t as detailed of a check, right?
My builder’s lender is giving me the same rate since the day we signed the contract but the rates are going down and we still don’t have the status report. And now the builder doesn’t give us the correct date too. We asked the quote outside and it’s less like 0.7%. Should I wait for the status report to lock the rate with the builders lender or go with outside?
Using my builder's lender would have saved me on closing cost because they cover the closing however reading the lender reviews there where so many recent bad reviews I got discouraged and decided to use my own
I want to build a new home because Old houses can be money pits. I own an old house and hate the constant repairs so next time I am going the new house route.
I'm with you 100% on that. My brother bought an old home & the time & money that's gone into that home is just crazy. Even if a new home is a little more expensive up front, they're pretty much always cheaper in the long run.
I'm not aware of any builder that doesn't offer an incentive, but if they don't you're probably better off to go with an outside lender. You should still get 2 quotes from 2 different lenders.
Wow thank you for responding so quickly am going through a process with Lennar they feel like the inventory so low now that there’s no need for much incentive. They only they gave us 2500 of closing cost . I am not sure if I can stay with their lender or am I able to shop around where it’s not going penalize me from what I already put down as a payment.
@@eltalizaire5241 Yes, you're totally able to shop around & I'm betting almost any lender can beat that super small incentive. I would reach out to a second lender right away. Best of luck & let me know how everything turns out.
@@TyWilde yes I started doing that but I am afraid that they will come out from something in the contract stating it’s pass time that I will be unable to use another lender . Now my question is can they do that?
Wow, I always thought it was a type of scam, that the lender and builder were somehow in "cahoots" with each other, or that there was a bit of nepotism involved. Thank you for your honesty and ethics on how everything really works! Two quick questions: When going for pre-approval with both lenders (my lender of choice and the preferred lender), #1 do I apply for both on the same day, so as to ensure that the second lender doesn't see a credit score hit? And #2, what if there are multiple preferred lenders for the construction company, as in the case of a builder I am aware of nearby in my current city, that has 10 preferred lenders? What do I do about that? Now, to your question: The reason we're going to be building within the next several years, is because we are retiring, and we want to be closer to all of our family, who live in different states. We'll be moving to another state that is close to being equidistant between 3 of our families, and closer to our remaining 4 families. LOTS of traveling in our future!
Thanks for the compliment and for your excellent questions. Your answer to question number one is that you can apply with them at any time. You will only get hit on your credit for the first pull. You can actually apply with four or five lenders and only get hit the one time. To answer your question number two, I would ask the sales person which two are the best and apply with both of them.
Our home is currently being built and we are super excited because buying a new build allowed us to choose the floor plan and upgrades we wanted at a convenience. Our community offered a huge amount discount but it seems not worth it because they have a way higher interest rate. My husband thinks over time we will end up paying more with them and they have terrible reviews.
You're smart to check the reviews & it's not always the best deal that's why I do recommend getting a second quote. In a lot of situations, the preferred lender will match the competitors rate. Thank you so much for watching & for your comment. Where are you building a home?
@@TheMnky7 The rain can delay the home by weeks but usually not at all it just depends on what stage the home is at. What are they currently working on?
Existing million dollar homes in the northern Virginia area are not in great shape. Building new so we don’t have to fix and clean up people’s habitation.
Amen to that!! It's pretty crazy that new construction is often priced so close to the same price of older homes. Thanks for your comment & best of luck to you!
Do you think that choose the external lender can delay the process? The builder lender offered $4,000 for closing costs and the external lender offered $8,900. We sign the contract 2 weeks ago with the builder lender because the pressure to save a lot. But no calls were received yet.
I would get a quote with both to see which one is offering a better deal. Some outside lenders do struggle with new construction though so you'll need to keep them updated on the progress. Who are you building a home with?
@@alabeplenty hi, yes, we were be able to use our preferred lender. He helped us with VA loan, government program for first-time buyers and the best part an easy process. At the closing date we received $$ back, everything was covered! Good luck!
Often that is true, but not always. I've been with builders where the outside lender could compete & I've been with other builders where the outside lender didn't stand a chance due to the fact that the builder was also helping to reduce closing costs. Thanks for watching & for sharing your thoughts.
Peace be unto you my brother. This was one of my early videos. I've learned a lot since I filmed this one. I'd love it if you checked out some of my newer stuff. Most of it is New Home Construction related. Thanks for watching.
@@TyWilde Cool! I'm sorry I came on a little harsh. It was a bit frustrating trying to find helpful information when you kept talking about related videos, thumbs up, etc. Your video was one of the top results for this subject. 👍
What are your thoughts on using the preferred lender? Is it better or worse? WHY? I'd love to hear your thoughts & where you're from. Also, if you're new to my channel, please subscribe & ring the bell to be notified each time I post new videos. Thanks!
I want to build a home because I would like to add a his and hers closet and pick my designs out.
Yeah, I've built a few times for myself & I just love it. Keep me posted & thanks for sharing your thoughts.
3 years later still giving grey advice thank you!
Thanks, my friend! Still grinding.
You are Awesome and I pray when I build my home I find someone as knowledgeable as you.
I appreciate the compliment. Best of luck to you when that time comes.
How about Realtors and their preferred lenders?
That's an excellent question. My advice is the same. Reach out to the Realtors preferred lender & one that you select to determine which one you should go with. Thanks for watching.
What could a cash buyer expect for incentives if you are not using a preferred lender?
That is an excellent question. Every builder is different. You should be able to max out the incentive & maybe even get a little extra. Where are you looking to build a home?
@@TyWilde Palm Coast, Florida with Century Home Community as the builder. It would be an investment property as we already have a retirement home in the same city, closing this month.
@@rotart12arx3 Awesome. Congratulations!
Now that's wild LOL 👍🏾👍👍🏻👍🏿👍🏼
Amen.
Is 6% builder concesion is great deal?
That's a great question. I would check what the other builders are offering in the area. One of my clients here in Utah just got a 4.99% 30-year fixed rate + $10k toward closing costs.
@@TyWilde they offered 10k upgrade, 6% seller concesion and 1500 hereos for va loan. Is this good incentive or look for a fixed rate incentive?
@@kcabtew0212 it sounds pretty good to me. You should be able to get a fixed rate. Just confirm that with the lender.
@@TyWilde thank you worth my likes and subs
Thank you!
I want to build because I have a very different house design for my dream home. And I want to do some of the building myself.
That's great. Building is awesome. Good luck my friend.
Not always the case, preferred lender something are part of the same corporation that owns the community. They paid for the closing cost but the interest are higher, so that how the cover those cost.
Not all preferred lenders are the way to go. I'm pretty sure I recommend in this video that you should always seek a second lender.
He literally said this in the video. Listen.
So when my builder give me a move-in date, I need to shop around for a loan within 45 days of that move-in date? Should I get a broker that specializes in VA loan? Initially, I got pre-approved by Shea Homes Mortgage for VA loan.
That's an excellent question. You should start looking before the 45 day mark. Then at that point go back to both lenders & ask them to give you their best quote letting them know you are talking to a 2nd lender. Most lenders know how to do VA so I dont think you need to search out a lender that specializes in VA. Best of luck to you.
@@TyWilde is it a good idea if i put a downpayment in VA loan to lower my monthly payments or not at all? thanks again for replying to all my questions, i pretty much watched all your yt videos.
@@akila219 You're a Hero. I'm honored to help you. Thanks for watching & for sharing. Best of luck & as always, don't hesitate to reach out to me at any time.
Guys I know he said builders will charge interest if you cannot close on time, and that is true they will try. Tell them if they charge additional interest you will not close.. and be firm. This is happened twice to me and both times we closed. The builder sucked up the cost once and the listing agent paid them the second time. The builder will do everything in their power to not cancel a closing.
I'm happy for you Phil. That is great. But your advice isn't 100%. There is a risk. And if the home has increased in value the builder will gladly cancel you & sell the home to someone else for $20k more. I have personally see this happen A LOT. Some builders are extremally quick to cancel you if there's a bunch of equity on the table.
@@TyWilde thank you for the quick reply and perspective. I would definitely not recommend my negotiating tactic in a sellers market, but in today's market where builders or giving concessions, they will be more flexible. Second agents do not want to lose the commission. My agent quickly said they will pay the $350, because they knew I was not going to close. this was in 2015 when the market was a little different though. Bottom line do not fall in love with the property and you will be able to negotiate better.
@@phil1954 Yes. True. Market is about to change tho.
Before you commit to building a home with a homebuilder, make sure you watch this video... ua-cam.com/video/nPgtVKruGWI/v-deo.html
Yes.
You gave great advice! I have a full-time job as well. As I drive for uber, is there a chance that I could possibly get a new build with my current situation
Thanks for watching. You need to speak to a lender where you live. If you’re in Utah, I can recommend a few.
Great info! 👍
Thanks!!!
Good information thank you
Glad it was helpful! Thanks for watching & the compliment.
I'm looking to purchase a new build my current house has tripled in value the new build price has come down from $343,000 to $279,000. I'm having a hard time trading my 3% rate for 6%??? Lender is paying all closing costs & paying down my rate to 5%???
If you're putting down a large sum of money & the new house payment is something you're very comfortable with and you really really want the new home then I would say do it. Historically, 5% is still a good rate.
I had a very bad experience with preferred lender. They promised to match any outside lender terms and then 2 weeks before closing when locking in the interest rate they would not match and cost me tens of thousands of dollars in interest over the loan term. I would be very hesitant to use the preferred lender every again.
Thanks for sharing your experience. I'm sorry it wasn't a good one. No doubt, there are some bad ones, but for the most part the preferred lender is the best route.
WE did not have a choice the builder required us to use their preferred lender. We applied for and qualified for military hero's loan. Our hero's loan was approved, provided multiple preapproval letter to builder from, locked in our rate, appraisal done and then couple weeks or so before closing we were told we had to use your preferred lender and pay $6000 in points to get an interest rate that is higher than our hero's loan rate (we did not have $6000) and we must close with on time or be sued. The preferred lender payment is almost $500 more a month mortgage and they had to redo paperwork, so we closed 2 days late. This is our first NEW house ever. Even our bank tried to write to your office, but they refuse to let our bank do the loan.
They can't force you to use a specific lender, but per your contract, you may have agreed to accepting some benefit that tied you to that lender. Or some builders require you to make the decision at time of contract or shortly after.
Investment
@@muthoni632 yes even for investments
4:02 I want to build a home because I want my dream home, to avoid maintenance due to previous owners' negligence, and to take advantage of the advances in building and building material technologies.
AMEN!! I have my own problems I don't want to buy a used home & inherit someone else problems. And, yes, Homes are built so much better these days. Thanks for watching & for your comment.
@@TyWilde You rock. Very professional and helpful.
h7opolo Thanks for the compliment. I appreciate it way more than you know.
Build a home to settle down
That is as good a reason as any.
@@TyWilde when I’m 25
@@Robert-xo3er Do it!
Thank you, also I love your vids I watch 1/3 of your playlist and learned a lot thank you for sharing your knowledge.
@@Robert-xo3er Thanks. I appreciate it more than you know. Please let me know if you have any questions & hopefully I'll hear more from you in the future.
I wanted to build because we our new parents and I don’t want the stress of a fixer upper while I having an infant. I like the peace of mind that everything is new and no surprise!! Im glad I went with the preferred lender and our first lender would caused us problems I just know it! The process was easy we asked all the questions and the numbers for the preferred lenders was a lot better then our original lender!
I'm glad you had a smooth transaction. The preferred lender is always easier.
I want to renovate my home....THANKS A BILLION
Just do it. That's what Nike would say!
For more great videos like this hit the subscribe button
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For me the 5k incentive was not a good deal. Interest rates are high, and yeah preferred lender sent me 27 emails with no useful offer lol so the lender of my choice was the best deal.
Builder incentives for using the preferred lender aren't as good as they used to be. I should probably do an updated version of this video.
@@TyWilde please do. Builder’s preferred lender is only offering $2500
@@alabeplenty On my list. Thx.
I’ve had used cars, used apartments. Now I want something no one has used
I am with you 100% on that one. There's nothin' like a New Construction Home! Are you getting ready to build somewhere?
We used the homebuilders preferred lender and had an excellent experience. As a matter of fact, I still keep in contact with that lender today.
Yeah, a lot of people are glad they used the preferred lender.
I love your videos! My primary reason to build my own home is because I want the house as I want it by the time I move in. I don’t know anything about renovating or doing DIY projects. I want to pick my lot, floor plan and upgrades and movie in!!
Thanks for your wonderful compliment. I appreciate it more than you know. I agree with you on the DIY. I can do some of it, but I don't want to. HA HA!
As a veteran my own place for me,my dog bear, my dog ashes december,and hopefully my long distance relationship boyfriend can relocate
Fingers crossed for you buddy.
@@TyWilde thanks 😊 ty
Building your dream home is tremendous experience and right what you want
I couldn't have said it better myself. Where did you build your home?
El Paso... it’s my first time ... try to learn more details
@@Duncan0524 That's great. I have 200 videos to help you out. And, if you ever have questions, please don't hesitate to ask.
@@TyWilde yes, I’m doing research about home builders and your video is really helpful to me. Thank you so much for your courses.
@@Duncan0524 You're so welcome. Thanks for watching & best of luck to you. Please let me know if you ever have questions.
#1 reason for building a new home is lack of down payment , 20% is out of question.
Have you spoken to a lender about 5% or 10% down programs?
Hi Ty! I am from CA, and I want to build a home because I do not want to deal with plumbing issues, etc in an existing home. Thanks for your videos they help me a lot!
You are so welcome. Thanks for watching & for sharing. Best of luck to you & what part of California are you from? My little brother lives near Huntington Beach.
@@TyWilde Jaaaaaa, I love Huntington Beach, but I live in Garden Grove. Thanks
@@mariateresadelacruzgoenaga7513 I don't know where Garden Grove is but it sounds beautiful.
Ty, thank you for these videos. They have helped a ton during our build process. Primary reason for wanting to build a home is being able to hand select the community, lot, the floor plan, & most of the final finishes. We are building with a Big National Builder. We are using their affiliate lender. Just locked in at a great rate under 3%. No origination Fee and the builder included thousands towards closing cost. Plus a free finished basement. I really thought it was too good to be true and was looking for the "catch". I dont think any other lender would have been able to compete.
Thanks for the compliment & for sharing. Yeah, it would have been impossible for an outside lender to do that. They would have lost money to match that deal. And what you're talking about is a perfect example of why it's better to go with the builder's preferred lender. Who did you build with & where are you building?
@@TyWilde Lennar in the Minneapolis Area
spades1412 Hey, I’m just following up. Did you move forward with the purchase of the new home?
@@TyWilde Yes, construction completed and moved in last month.
@@spades1412 That's awesome. How was your experience with Lennar?
Do you have any tips for selling an older house? This is for Utah.
Well, in this market, it's a lot different than a normal market, but I would hire a Realtor to come to your home & make suggestions on the things that should be done vs. the things you can let go. I have a client in West Valley City that's just doing a few fixes before we list his home. Where is your home located?
@@TyWilde My girlfriend's home is in West Jordan. She wants to sell it someday.
I would also recommend watching this video, How to Get Your House Ready to Sell. Here's the link... ua-cam.com/video/_B9GwZqjR4A/v-deo.html
@@RicardoHernandez-zr1pw This a great time to sell an older time because of the large # of home buyers. They can't be as picky as normal. How cool is that?
@@TyWilde Thanks!
My outside lender is offering a 2.25 rate.
The home lender from the home could be offering a 3percent.
Now the home lender would cover closing cost , for this scenario let’s say 10k. The difference of interest in the long run would be close to 24k.
Lower rate better deal?
Tsubasa Rides That depends on how long you’re planning to stay in the house. If you’re only planning to stay there for a few years take the higher rate. If you plan to stay in the house for the rest of your life take the lower rate. That being said in my experience usually the preferred lender will at least attempt to match the rate of the competitor. Best of luck to you. Please let me know how this turns out for you. BTW, where are you building at home?
Ty Wilde Realtor & New Home Construction Specialist You’re the best for replying, Turns a stressful slash Anxious Ridden situation down a couple notches.
I’m Building in San Antonio Texas. Huge market for realtors like your self actually. Rapidly growing market
@@tsubasarides4650 Then owning real estate is a great idea. I've never been to San Antonio but I hear it's absolutely beautiful. Or, is that a lie?
Ty Wilde Realtor & New Home Construction Specialist
SA is big and spread out. It’s been growing very rapidly. Of course you have your beautiful areas and not so much like every city.
The price of living in Texas is great In General. Homes go quick and builders keep popping
Up in different areas. It’s definitely a sellers market.
@@tsubasarides4650 Yeah, Salt Lake is the same. Congrats on the house & best of luck to you.
Great video! I’m considering a new build in a retirement community in Florida and your videos have definitely been saved to my “moving to Florida “ list!
I'm so glad I could help. Please let me know if you have any questions.
I'm so glad I could help. Please let me know if you have any questions.
In most cases if you’re building a home the preferred lender is going to give you the best deal. Always get preapproved by two lenders.
Amen!
I want a new home because I don’t want to run into any issues with old plumbing, old roofing, or remodels that weren’t don’t correctly.
AMEN BROTHER! I couldn't have said it better myself. Thanks for watching & for sharing your thoughts.
I want to build because I can’t find what I want in a resale home.
Thanks for your comment. In Utah, building is the only option for a lot of people. Where are you looking to build a home?
What if the preferred lender is owned by the national builder and has terrible customer service? Do I still sign the Loan Commitment Letter?
That is an excellent question. I'm actually not super comfortable using preferred lenders that are owned by large national builders especially the ones with terrible customer service. Obviously it's your call, but I wouldn't commit to using them, I would consider allowing them to give me a loan once they've proven they can be completive.
@@TyWilde Does “Lennar mortgage for LENNAR” consider “lender owned by large national builders “ ? I’m trying to understand the differences between in-house lender, lender owned by large national builders , and preferred lender. Thanks
@@lolimiy YES! Lennar has their own inhouse lender. That means the two companies are tied to each other. I personally thing it's a questionable business practice. I would use an outside lender & then take the quote to Lennar & see if they can beat them.
Sorry, I forgot. I wouldn't go back to the in house lender until the very end. like 45 days out.
I’m going with a new construction home and the preferred lender quoted me 3.39% mortgage rate a few weeks ago, and my local credit union quoted me 2.87%. This is with 10% down payment and a 790 credit score. I was disgusted with the in-house lender. The $5000 incentive they gave me with going in-house lender is a joke when you compare the rate differences overtime.
Thanks, not all preferred lenders are the same. That being said, if you send the preferred lender your quote from the other lender, often, they'll beat it.
@@TyWilde When is the right time to show the in-house lender what my outside lender is offering? During the initial disclosure? 45 days before closing? I believe my builder only gives me 30 days from contract to switch lenders. In addition, rates quoted today are very different from 6 months (build time) from now with rate increasing. What’s the best approach?
@@TheAnonymous916 Well, the builder cannot force you to use a specific lenders so I wonder what they are doing there. Usually 60-45 days before closing you can start figuring things & you can only lock a rate for 45 days. Yeah, rates will be higher in 6 months without a doubt. I would walk away from the builder & see if you can find any lenders who will do a 6 month rate lock. It will cost you some money up front & with the delays, you want to be careful. But, if the builder is going to play hard ball, I'd just walk away from them.
Need info on construction loans. We will be building a home at Bear lake using a smaller builder needing to use a construction loan. Can you take us threw the proses. Thanks
Thanks for watching my video and for your comment. I’m actually not a specialist on construction loans due to the fact that I’ve spent my 15 years working for larger home builders who carry the loan for the buyer. That being said, I know you need to get prequalified with a bank for a construction loan and that loan continues to increase throughout the process as the builder spends money & builds the home. Bear lake though, that’s awesome! Congratulations!!
Great video!
I know this is off topic, but what is your top 2 favorite closes when you are with a customer? For me, my first goal is to get them to pre-qualify on the home they are considering with our in-house lender. Ultimately, it would be to put down their earnest money on the home to progress the sale.
What are your favorite top 2 closes to get them to commit and move forward?
Hey Austin, it's great to hear from you & thanks for the compliment. My favorite close all time is the assumptive close. When I spend an hour with someone showing them homes & talking about everything I'm assuming they're ready to go. I sit them down in my office & just pull out the contract asking if they brought their check book for earnest money. Other wise I'll just say, "well, are you ready to lock this one up?" I always try to get people to make a commitment on their first visit. Thanks for your excellent question. I hope all is going well with you & please keep in touch.
@@TyWilde Love it. The most common objection I've experienced is the "We want to think about it" response. Obviously, this is most likely the largest financial decision they will make in their lives and so that objection makes sense. However, what's the best way to push past that? Is it just to follow up at that point consistently?
Austin Webb Sorry for my slow response. UA-cam never notified me Of this response. When people say they need to think about it I like to ask what it is specifically that they need to think about. Often it’s an objective that I can easily overcome. That being said, it’s usually away people tell you that they’re not ready and it’s best to just follow up with them though I like to let them know that I will be following up with them. Hopefully all is well with you my friend and please if you have any other questions don’t hesitate to ask.
Great video. Thanks again Ty. Would you be able to do a deepdive video about the new contruction settlement process and associated costs (i.e. city/state taxes, recordation fees, title insurance and what it is, attorney fees, builder service fees, property tax, etc?). I appreciate all you do!
Val, Thanks for the compliment. I'm not sure if I'd be the best one to do the video you're requesting. It's out of my scope of experience. As a new home salesperson, I actually don't attend the closings at title & I don't even see the closing docs. Thanks for watching!!!
did you find a video with all these info? if yes, please share.
Hey Ty when is the appraisal done on a new home if you use an outside lender for a VA loan?
That is a great question. The appraisal is pretty much always done sometime in the last week before closing. Are you closing on a new home soon?
@@TyWilde thanks so much.....i am
@@morland Awesome! Best of luck to you.
If you have a loan from an outside lender and the preferred lender denied you approval can the home builder deny you to buy the home?
That my friend is an excellent question. The answer is a resounding YES! As a matter of fact, they are VERY LIKELY to not allow you to buy the home. Some builders may take a deeper look into why but others will just say no.
So we got approved for a loan like a month ago. We found a new community and a home builder we reserved the home and we have put the earnest money down and signed the contract. The preferred lender said that the numbers were just not working. So we told the home builder and they said this. That if we went with our own lender they may not close on time and we may end up paying late fees.
@@Clownkiller-k5c Yes. That sounds exactly like every builder I know. Just make sure your lender knows the closing date at least 30 days in advance. If the builder won't give you a date, once cabinets are installed, you should have about 45 days so that would be a good time for you to tell your lender to get things ready. Best of luck to you & thanks for watching.
Our builder just started the digging process for our new house. We have already been preapproved by our lender for this house. Our builder never offered their preferred lender-is it too late to ask about their preferred lender and if there are any incentives to using theirs? We have been wanting a “second opinion” on our rates. What do you suggest?
Excellent question. I would just ask if they have a preferred lender & if there is an incentive for using them. If they don't have a preferred lender you can just contact a second lender to compare the rate & terms against the original loan approval. I would probably wait to do this until the home is 45-60 days from completion. Maybe when they start painting the interior of the home. Please let me know if you have any other questions. Where are you building a home?
@@TyWilde we are considering a custom build but have yet to find the right lot. since buying from a builder in a new subdivision is another option, we thought to get preapproval/prequalify for a loan before doing our next move. since we are still narrowing down on our options, including which builder to go with. should we still ask each potential builder whoo their preferred lender is a get rates from each one? (we have 3 builders we are looking at)
@@bamc3835 As you meet with each builder, ask them if they have a preferred lender incentive. If so, ask them what it is. I wouldn't start the approval process until you've selected a builder. Then to make that builders lender compete, I would get a second pre-approval with an outside lender. Where are you looking to build?
@@TyWilde i know we seem to be going an unusual route on our future home build (i.e. contacting builder before even having a lot) but at this point i am still stuck on which builder to pick because it all boils down to who can give us the cheapest quote for the specs we need for our home. but it seems like we can't really get the real numbers unless we pick THE builder, go through the design phase and then they can give a closer ballpark figure for us. i am leaning towards a local builder who only does 1-3 houses a year with the logic that he oversees the builds himself and is more hands on versus the big national builders who might be more focused on wider profit margins and our project might not be big enough for them to pay attention to. we are in a suburb located south of houston
Bam C Sorry for my slow response. I’m just seeing your message and by the way go Astros! That was my little league baseball team, LOL. Did you select a builder yet?
Many preferred builders loan estimates had higher fees and rates compared to broker wholesale pricing. Even after factoring in the seller credits. Many lender builders are affiliates of the builders (disclosed by law) or even owned by the same parent company.
Thanks for watching & for sharing your thoughts. I sincerely appreciate you. In my experience as a new home sales person of over 15 years & now as a traditional Realtor, outside lenders almost never beet the builders preferred lender. I'd say more than 80% of buyers choose to go with the builders lender at the end of the day after comparing total costs to an outside lender. That being said, I ALWAYS tell my clients to get preapproved with 2 or 3 lenders.
My own lender can give me a lower rate but the preferred lender has a higher rate but kitchen appliance upgrades and $5,000 in closing cost incentives.
When you get about 45 days from closing, have both lenders compete one last time & see which one comes out on top at that point. When will your house be completed?
@@TyWilde The house is scheduled to be finished in May sometime.
@@RicardoHernandez-zr1pw That's going to be here before you know it. Best of luck to you.
Building costs the same for an existing home with the same specifications here in the Atlanta area. Able to get some closing costs using the preferred lender.
Yes. That seems to be the case in most places. Building is a no-brainer if that’s what it’s like where you live. Thank you so much for your comment.
Hi Ty! I was wondering if it would be wise to show each lender the opposing lender's offer? Perhaps to entice them to lower their rate?
Yeah, you're totally welcome to do that. It will work too.
Thanks again, Ty!
@@ManionaBudget You're so welcome. Thanks for watching.
Race to the bottom!
Yes, most lenders will price match, but it’s such a shady business. They say they’ll give the best rate, but then they price match if its not the best rate
Good source of information. I agree with some of the points like it will be hassle free & easy communication with all parties but preferred lenders will not give you market competitive mortgage rate because they know you are receiving some incentives from builder & they are compensating it with mortgage rate. Just do your math. There is nothing wrong to shop around to know where you stand & make informed decision. Thank You !
Thanks for sharing your thoughts. I always recommend talking to two lenders but, that being said in my 15 years of experience the preferred lenders usually win because they’re offering the best deal.
Is the interest rate not locked in until the home is almost finished then? Our builder says it take 11 months to complete. Also, if I only have 10% down now, but will have 20% down 11 months from now, how does that work with the lender? Thanks!
Those are both excellent questions. You can lock the mortgage rate about 30 days before closing. As far as putting 20% down 11 months from now, that's totally fine. A lot of people save really hard during the build process so they can put more money down. Where are you building a home?
@@TyWilde The home will be in Florida. We haven’t started the build yet, but the builder we want to go with requires 5% up front. I have a good down payment and great credit, but my debt to income ratio will be very close, should I make sure that the contract says I can get some money back if I don’t get approved for the loan 11 months from now? Because a preapproval isn’t as detailed of a check, right?
@@kyleinpa5285 Most likely the builder will not let you put that in the contract, but I would definitely try. Keep me posted on your progress.
My builder’s lender is giving me the same rate since the day we signed the contract but the rates are going down and we still don’t have the status report. And now the builder doesn’t give us the correct date too. We asked the quote outside and it’s less like 0.7%. Should I wait for the status report to lock the rate with the builders lender or go with outside?
That’s a great question. 30 to 45 days before closing I would contact both lenders and see which one gives you the best deal.
Using my builder's lender would have saved me on closing cost because they cover the closing however reading the lender reviews there where so many recent bad reviews I got discouraged and decided to use my own
That is a very good point. Thanks for sharing. That's why I always recommend getting prequalified with 2 different lenders.
My primary reason for wanting to build a home is because we want to make our own design, no more than 1,500 Sq. Ft. and is for retirement.
That's a great reason. Where are you looking to build a home?
Nowadays the models design is very beautiful hense worth buying.
Amen to that. Where are you looking to buy a house?
A first time home owner & tired of paying high prices for a renter also a inheritance to leave my child & his children....
Those are some of the best reasons. Thanks for watching & for sharing. Where are you looking to buy a house?
I want to build a new home because Old houses can be money pits. I own an old house and hate the constant repairs so next time I am going the new house route.
I'm with you 100% on that. My brother bought an old home & the time & money that's gone into that home is just crazy. Even if a new home is a little more expensive up front, they're pretty much always cheaper in the long run.
What happened when you get no incentive?
I'm not aware of any builder that doesn't offer an incentive, but if they don't you're probably better off to go with an outside lender. You should still get 2 quotes from 2 different lenders.
Wow thank you for responding so quickly am going through a process with Lennar they feel like the inventory so low now that there’s no need for much incentive. They only they gave us 2500 of closing cost . I am not sure if I can stay with their lender or am I able to shop around where it’s not going penalize me from what I already put down as a payment.
@@eltalizaire5241 Yes, you're totally able to shop around & I'm betting almost any lender can beat that super small incentive. I would reach out to a second lender right away. Best of luck & let me know how everything turns out.
@@TyWilde yes I started doing that but I am afraid that they will come out from something in the contract stating it’s pass time that I will be unable to use another lender . Now my question is can they do that?
*not be able to*
Wow, I always thought it was a type of scam, that the lender and builder were somehow in "cahoots" with each other, or that there was a bit of nepotism involved. Thank you for your honesty and ethics on how everything really works! Two quick questions: When going for pre-approval with both lenders (my lender of choice and the preferred lender), #1 do I apply for both on the same day, so as to ensure that the second lender doesn't see a credit score hit? And #2, what if there are multiple preferred lenders for the construction company, as in the case of a builder I am aware of nearby in my current city, that has 10 preferred lenders? What do I do about that? Now, to your question: The reason we're going to be building within the next several years, is because we are retiring, and we want to be closer to all of our family, who live in different states. We'll be moving to another state that is close to being equidistant between 3 of our families, and closer to our remaining 4 families. LOTS of traveling in our future!
Thanks for the compliment and for your excellent questions. Your answer to question number one is that you can apply with them at any time. You will only get hit on your credit for the first pull. You can actually apply with four or five lenders and only get hit the one time.
To answer your question number two, I would ask the sales person which two are the best and apply with both of them.
Oh, I forgot to ask. What state are you looking to move to?
@@TyWilde We plan to move to Tennessee.
@@annkoehler8017 That is awesome! Congratulations. Please let me know if you have any other questions.
We're sick of cleaning after someone else or remodeling so we're buying a new home that hasn't been touched before even if it's more expensive
Peter Mikhael My wife has always felt exactly that same way and that’s why we have never lived in a used or existing home.
Our home is currently being built and we are super excited because buying a new build allowed us to choose the floor plan and upgrades we wanted at a convenience. Our community offered a huge amount discount but it seems not worth it because they have a way higher interest rate. My husband thinks over time we will end up paying more with them and they have terrible reviews.
You're smart to check the reviews & it's not always the best deal that's why I do recommend getting a second quote. In a lot of situations, the preferred lender will match the competitors rate. Thank you so much for watching & for your comment. Where are you building a home?
@@TyWilde discovery bay ca.
@@TheMnky7 I have no clue where that’s at, but it sounds like a place I would love!
@@TyWilde how much can the rain delay your building process?
@@TheMnky7 The rain can delay the home by weeks but usually not at all it just depends on what stage the home is at. What are they currently working on?
Existing million dollar homes in the northern Virginia area are not in great shape. Building new so we don’t have to fix and clean up people’s habitation.
Amen to that!! It's pretty crazy that new construction is often priced so close to the same price of older homes. Thanks for your comment & best of luck to you!
I want to convert my single family home to 3units condominiums in DC
WOW, that sounds like quite the project. Keep me posted on how that goes.
Why do I want to build a home .... we need to have a bigger house and want to just get what we want completed without remodels.
AMEN to THAT Brother! Building is definitely the way to go! Where are you looking to build a home?
Do you think that choose the external lender can delay the process? The builder lender offered $4,000 for closing costs and the external lender offered $8,900. We sign the contract 2 weeks ago with the builder lender because the pressure to save a lot. But no calls were received yet.
I would get a quote with both to see which one is offering a better deal. Some outside lenders do struggle with new construction though so you'll need to keep them updated on the progress. Who are you building a home with?
KB Homes, thanks for all this information!
@@norahrodriguez6897 They're not located here in Utah, but they seem like a pretty good builder. Has it been a good experience for you so far?
@@norahrodriguez6897 hello can you share your experience with kbhs home loan pls. Were you able to use outside lender ?
@@alabeplenty hi, yes, we were be able to use our preferred lender. He helped us with VA loan, government program for first-time buyers and the best part an easy process. At the closing date we received $$ back, everything was covered! Good luck!
Not the best rate, my experience, yes check
Often that is true, but not always. I've been with builders where the outside lender could compete & I've been with other builders where the outside lender didn't stand a chance due to the fact that the builder was also helping to reduce closing costs. Thanks for watching & for sharing your thoughts.
My mom donated me 1.3ac
That's awesome. Now what are you going to do?
I'm not sure yet . I'm in prayer about it . There's also a brand-new neighhood being developed near me as well .
@@maryduhon222 Decisions. Decisions. Best of luck to you. Please keep me posted on how things go.
Love your videos ❤️ they are really helpful
@@maryduhon222 Thank you so much for that compliment. I appreciate it more than you know.
Dude, so much of the time in this video was wasted. Just give us the info.
Peace be unto you my brother. This was one of my early videos. I've learned a lot since I filmed this one. I'd love it if you checked out some of my newer stuff. Most of it is New Home Construction related. Thanks for watching.
@@TyWilde Cool! I'm sorry I came on a little harsh. It was a bit frustrating trying to find helpful information when you kept talking about related videos, thumbs up, etc. Your video was one of the top results for this subject. 👍
@@joshwilliams7692 No worries. I'm getting better.