I always appreciate your candid, no-nonsense (yet friendly) approach! 😁👍🏻Thanks for making these educational videos. 🙏 I am an agent in SoCal, and I knew that there are income limits, and didn’t realize that you can’t get assistance on jumbo loans. Being in this high-value area, most popular first-time homes are selling in the $750k-$1.3M range (and the values in the area are much higher than that), so this is good to keep in mind. Honestly, most of my clients have made too much to qualify, when looking into a program or two, even though they didn’t have the 20% to put down, and looking to avoid PMI.
Question... If you receive a "free grant" from let's say....a city/ county program, are you obligated to have that program as your lender? For example, can you get a grant from Program A, and then decide to get the rest of your loan from anther bank?... because the bank has a lower interest rate
Hello, I’m active army here looking to use my va loan on this rental property(house hack) here in Tennessee. Are you licensed down here and able to give me a pre approval for an estimate so I can know if I’m able to qualify for the property?
Yes, I am licensed in Tennessee and as long as you plan to occupy the house, we are happy to look at getting you preapproved for VA loan. My app is at www.zerostressmortgage.com
@JenniferBeeston I'm in NJ also. Getting my credit up and almost done saving my down payment. Will have to reach out to you when I'm ready (going for 1Q of 2025)
if your licensed in 48 states you should know or have guidelines for proof for people talk to a lender your self and you will need a high credit score plus a big down payment i know i tried it !!!
Everybody does not need a high credit score and a big down payment. Credit score would be determined by the loan program. There’s loans like FHA where you can have quite a low credit score. Also down payment, a large one, would only be needed if your debt income was high or you were doing a jumbo loan. But this is a great point that everybody’s situation is unique, which is why it’s always good to talk to a lender and do the math.
Hey Jenifer one question I am truck driver and moving to another state I see they have these programs do I qualify if I am not from this place as first time home buyer
Real talk, I was so curious about these programs when I started looking but it’s not that great in most situations. Higher rates. Just keeping saving!
I always appreciate your candid, no-nonsense (yet friendly) approach! 😁👍🏻Thanks for making these educational videos. 🙏 I am an agent in SoCal, and I knew that there are income limits, and didn’t realize that you can’t get assistance on jumbo loans. Being in this high-value area, most popular first-time homes are selling in the $750k-$1.3M range (and the values in the area are much higher than that), so this is good to keep in mind. Honestly, most of my clients have made too much to qualify, when looking into a program or two, even though they didn’t have the 20% to put down, and looking to avoid PMI.
I prefer to refer to you as accommodating.
I will be ready to buy soon 🤞🏻
Wonderful video Jen. 🎉
Thank you!
I’m on a mission to buy. Rebuilding credit
What do you guys look at as far as credit when trying to purchase a home. What should I be focused on when rebuilding scores
Depends on loan type but try to have everything paid on time for the last year
I love your personality!!
Thank you:)
Thanks for the help. I'm looking to buy after my divorce is final
We are here when you are ready:)
Question...
If you receive a "free grant" from let's say....a city/ county program, are you obligated to have that program as your lender?
For example, can you get a grant from Program A, and then decide to get the rest of your loan from anther bank?... because the bank has a lower interest rate
Hello, I’m active army here looking to use my va loan on this rental property(house hack) here in Tennessee. Are you licensed down here and able to give me a pre approval for an estimate so I can know if I’m able to qualify for the property?
Yes, I am licensed in Tennessee and as long as you plan to occupy the house, we are happy to look at getting you preapproved for VA loan. My app is at www.zerostressmortgage.com
wished you were licensed in NJ
I am licensed in NJ:) Have been for years
@@JenniferBeeston Woohoo! :)
:)
@JenniferBeeston I'm in NJ also. Getting my credit up and almost done saving my down payment. Will have to reach out to you when I'm ready (going for 1Q of 2025)
Are you linsend in Colorado
Yes I am. 786-933-2077
if your licensed in 48 states you should know or have guidelines for proof for people talk to a lender your self and you will need a high credit score plus a big down payment i know i tried it !!!
Everybody does not need a high credit score and a big down payment. Credit score would be determined by the loan program. There’s loans like FHA where you can have quite a low credit score. Also down payment, a large one, would only be needed if your debt income was high or you were doing a jumbo loan. But this is a great point that everybody’s situation is unique, which is why it’s always good to talk to a lender and do the math.
Hey Jenifer one question I am truck driver and moving to another state I see they have these programs do I qualify if I am not from this place as first time home buyer
You would need to talk to a loan officer that specializes in the state program you’re looking at. It’s state-by-state.
@@JenniferBeeston thanks 🙏
@@JenniferBeeston 😘
Are you able to help me out? I really want to get assistance with down payment program.
Hello