This guy is hilarious! He brings so much to the Ramsey Team. I must admit, sometimes the Ramsey show can get redundant but George really adds a special personality to it.
Finally someone at Ramsey actually sat down and spelled out letter-by-letter how to buy a house without a credit score. Dave has been preaching this for years but I don't ever remember him taking the time to explain step-by-step how to do it.
I remember when I was working in real estate seeing people buy homes new from builders with the intention of selling before close of escrow to a new buyer for profit. The crash was so brutal and fast that I remember seeing a lot of these units foreclosed on with the builder plastic still on the carpet.
Most people find it difficult to control a fall since they are used to bull markets, but if you know where to look and how to maneuver, you can make a size-able profit. Depending on how you intend to enter and exit, yes.
The prevailing US stock market's bull run evokes a mix of fear and excitement, presenting opportunities with insight, resulting in $780k gains in the past ten months, utilizing a portfolio advisor for a well-defined strategy.
We bought our house without a credit score. The loan guy after looking for debt was flabergasted. He actually came in the day we were signing all the paper work for the loan and sale and shook our hands. He said he had never met people like us. People who have no debt. We then went and paid the house off in 17 years.
For almost 20 years, I saved my money and bought all of our cars in cash, no credit cards for the same time, and when I went to buy a brand new car, I had no credit history. The company was basically like wtf??? It's called save your $$, and pay with what you make, not borrow and buy gum with a credit card. And yes, I subscribed because I agree with many of your views and ideas
George, you're quickly becoming my favorite Ramsey personality. Everyone does great when Dave's not there, but it seems you're the one who can maintain the same level of confidence when hosting with Dave. Keep doing what you're doing.
Self-employed people like me know all about manual underwriting as even the big banks will require it without a W2. A bit more hassle in terms of due diligence but we actually appreciated it. It felt like the bank was actually taking the loan seriously instead of passing them out like candy as they did in the early 2000s just before the crash.
Love to hear that, John! We’ve been desensitized into always going for the most convenient option. And yet everyone is broke. A little extra effort and patience never hurt nobody.
Definitely don’t get the 15 year mortgage. If you’re goal is to pay it off in 15 years, you can still do that with a 30 years mortgage by making extra payments. But when you hit hard time (like being laid off), even when you have a big emergency fund, you’ll be thankful you have a lower payment. Remember, a 30 year mortgage can always be paid off in 15 years. But it’s really tough to pay off a 15 year mortgage in 30 years.
It’s funny the video that played right after watching yours was talking about getting a home loan with a 580 credit score with 3 1/2 percent down for 30 years with a debt to income ratio of 57%!
George!!! Man, I'm very proud of you. All of your hard work is evident and inspiring.You're doing a good job, and you bring a fresh twist to Ramsey Solutions. Keep up the good work.
Such a creative video while staying true to the Ramsey principles. So excited to see where this channel goes. Really enjoyed this video. Thanks George.
It has been such a joy to watch you go from the UA-cam host, to Ramsey personality, to this!! Your natural talents were evident from the start, but obviously you know how to work hard and really polish your content. Great editing too. Congratulations!!!
I bought a house without a credit score in 1997 at 23 years old. I had never had a credit card or borrowed money up to that point in my life. it was easier to get a loan in those times but the process is still about the same today as it was then.
So if your single you can’t buy anything right? A 300K home in Nashville which is very modest to say the least would require 30K+ Closing costs and would require you make 150K+ annual salary(gross) under your premise. Yes I did the math. Average salary in Nashville is somewhere around 60-65K, so how is the average person going to buy a home?
Btw I own my own home in Orlando Florida and I like the content, but no single person could ever buy a home under those terms unless they are making well over 6 figures
@@MikeThePike316 Tired of people saying this. Because there are six-figure jobs for everyone right? If that was the case many would be working them now.
@@MikeThePike316 live within your means? Under this formula of buying a home you’d have to purchase a 150K home(good luck with that). This formula requires a double income period, or make well above 6 figures.
I did the exact same thing last September using Churchill Mortgage after following George and Dave’s teaching. Got a great rate on our 15 year mortgage because we saved 20% down and my wife and I had slightly above average incomes.
Yay! George, Im so proud of you! I met you back in 2020 when you were hosting the youtube channel and I had no idea you were on this path. So excited for you 🎉
Thanks for getting this out there, George. We did this, too. I had to tell the loan officer it was possible and then he figured out the process and we got a great rate!😊
Dude! They need a Manual Underwriting Theme Hour like they have a Millionaire Theme Hour, where its stories on how everyone got this and the rate they got. Just to prove everyone it can be done.
George, you’re definitely one of my favorites. Heard of Ramsey for years but just started watching/listening to his show. You and Jade are my favorites together.
Just finished watching the latest Smart Money Happy Hour. I’m so excited to see you just started your own channel! I know it will be super successful - keep up the great content!!
We went through manual underwriting and it was honestly pretty easily. The toughest part was freeing ourselves up for those 3-ways calls between your mortgage company and your cable company haha.
Congrats on the new channel! Will you be putting the old videos you used to do for the Ramsey Show on here? Like the money hacks. I often want to refer to them again and can’t find them. I’m really wanting to see the Chipotle one. 😊
My grade 11/12 personal finance class loves you, George! You keep things engaging and informative. We're located in Nova Scotia, Canada. Thanks for all you do. Keep it up!
I rarely comment on YT but I enjoy listening to you on the Ramsey podcasts! Thank you for sharing your knowledge with us. Your comments always make me laugh and are so relevant to things happening today. Good luck on your new channel! Can’t wait to watch future videos.
Great job, George! Been watching Ramsey for over a decade you are clearly the future of Ramsey Solutions! Not at all biased living here outside of Boston! :-)
Was hoping for more info not taught on the Ramsey show. Ie manual underwriting rates vs credit score rates. Or can you get a better rate using manual underwriting if your score is low. George and presentation overall were good. Want more detailed content though
I'm pretty sure EVERY mortgage is does this anyway. Only using the credit score is for small amounts of financing like credit cards. Any loan of a significant amount will require an underwriter. Score helps with rates but isn't the deciding factor alone when an underwriter is involved.
So excited for your channel George! The Dr. John Delony Show will always be my favorite but I know this will be a close second because you are hilarious, extremely intelligent and, I feel like I relate to you more than old man Dave 😂🤪
Ferris here......George you have given me the push to buy a house without a credit score ......I watch you and Dave Ramsey pretty much religiously......I'm working on increasing my income and decreasing my bills to pay off my debt as quick as possible to achieve that goal when the time is right......I'm putting my journey on my channel as well on how I'm increasing my income and decreasing my bills....it's not what you might ordanairly think...let's just say I'm making huge and drastic changes and literally living on rice and beans.....I have many questions...... I know I'll have great answers from great people like you and your colleagues......can't wait to see more ...😁
This guy is hilarious! He brings so much to the Ramsey Team. I must admit, sometimes the Ramsey show can get redundant but George really adds a special personality to it.
Finally someone at Ramsey actually sat down and spelled out letter-by-letter how to buy a house without a credit score. Dave has been preaching this for years but I don't ever remember him taking the time to explain step-by-step how to do it.
Yes! We need more of these videos for the most common topics.
I remember when I was working in real estate seeing people buy homes new from builders with the intention of selling before close of escrow to a new buyer for profit. The crash was so brutal and fast that I remember seeing a lot of these units foreclosed on with the builder plastic still on the carpet.
Most people find it difficult to control a fall since they are used to bull markets, but if you know where to look and how to maneuver, you can make a size-able profit. Depending on how you intend to enter and exit, yes.
The prevailing US stock market's bull run evokes a mix of fear and excitement, presenting opportunities with insight, resulting in $780k gains in the past ten months, utilizing a portfolio advisor for a well-defined strategy.
How can I reach out to one? my assets have been decling since 2022 and I’ve been holding on by the skin of my teeth.
Don't be hesitant to contact Sonya Lee Mitchell and follow her directions.
I just ran an online search on her name and came across her websiite; pretty well educated. thank you for sharing.
We bought our house without a credit score. The loan guy after looking for debt was flabergasted. He actually came in the day we were signing all the paper work for the loan and sale and shook our hands. He said he had never met people like us. People who have no debt. We then went and paid the house off in 17 years.
It’s 2023 not 2006 bud shits different
He*
@@Imwityohoe 🙋♀️ I'm 26, went to college (on scholarships), married, we have 3 cars and a baby, and we've never had debt. We exist.
@@brendabeans4986 and I care why
@@brendabeans4986 and I care why?
The editor crushed this! Great work Ramsay team
For almost 20 years, I saved my money and bought all of our cars in cash, no credit cards for the same time, and when I went to buy a brand new car, I had no credit history. The company was basically like wtf??? It's called save your $$, and pay with what you make, not borrow and buy gum with a credit card. And yes, I subscribed because I agree with many of your views and ideas
Preach ❤❤❤❤
Big fan of yours George. Great to see you have your own channel now. Wishing you a huge success with this.
George, you're quickly becoming my favorite Ramsey personality. Everyone does great when Dave's not there, but it seems you're the one who can maintain the same level of confidence when hosting with Dave. Keep doing what you're doing.
Thanks so much for the kind words!
Hi George buddy. Congrats on show
Sure thing
I agree
Self-employed people like me know all about manual underwriting as even the big banks will require it without a W2. A bit more hassle in terms of due diligence but we actually appreciated it. It felt like the bank was actually taking the loan seriously instead of passing them out like candy as they did in the early 2000s just before the crash.
Love to hear that, John! We’ve been desensitized into always going for the most convenient option. And yet everyone is broke. A little extra effort and patience never hurt nobody.
The Ramsey team is really upping their game with video production.
George is my 2nd favorite personality, next to Dave of course.
Great work!
Aw shucks. Thanks Cory!
💯
Definitely don’t get the 15 year mortgage. If you’re goal is to pay it off in 15 years, you can still do that with a 30 years mortgage by making extra payments.
But when you hit hard time (like being laid off), even when you have a big emergency fund, you’ll be thankful you have a lower payment.
Remember, a 30 year mortgage can always be paid off in 15 years. But it’s really tough to pay off a 15 year mortgage in 30 years.
George you’re my favorite Ramsey personality!
I don’t usually comment, but man we need more like this George!
Thanks so much Daniel! Means a lot!
It’s funny the video that played right after watching yours was talking about getting a home loan with a 580 credit score with 3 1/2 percent down for 30 years with a debt to income ratio of 57%!
I like the video. The facial expression on the anchors on Fox 32 in Chicago is priceless!! Looking 👀 forward to more content.
More George, just what I needed! I’ll be watching bro, good luck with your channel.
GEORGE!!!!! I am so excited for your own channel!!! Congratulations!!! Wishing best luck and success!
You are one of the best things to happen to Ramsey Solutions!! I’m so glad you’ve got your own channel. You Rock, George!!
Aw thanks so much! Meansa lot!
George!!! Man, I'm very proud of you. All of your hard work is evident and inspiring.You're doing a good job, and you bring a fresh twist to Ramsey Solutions. Keep up the good work.
Thanks Mike!
Such a creative video while staying true to the Ramsey principles. So excited to see where this channel goes. Really enjoyed this video. Thanks George.
Thanks Jimmy!
It was about time he got his own channel!!😊 he is so funny and practical!
Aw thanks Ashwini!
@@GeorgeKamel hey George so glad you got a UA-cam channel for yourself
It has been such a joy to watch you go from the UA-cam host, to Ramsey personality, to this!! Your natural talents were evident from the start, but obviously you know how to work hard and really polish your content. Great editing too. Congratulations!!!
That is so sweet, thanks Margie!!
I bought a house without a credit score in 1997 at 23 years old. I had never had a credit card or borrowed money up to that point in my life. it was easier to get a loan in those times but the process is still about the same today as it was then.
You are the best George. I am following you for long time. This youtube addition is great
So if your single you can’t buy anything right? A 300K home in Nashville which is very modest to say the least would require 30K+ Closing costs and would require you make 150K+ annual salary(gross) under your premise. Yes I did the math. Average salary in Nashville is somewhere around 60-65K, so how is the average person going to buy a home?
Btw I own my own home in Orlando Florida and I like the content, but no single person could ever buy a home under those terms unless they are making well over 6 figures
Don't be average, live within your means, or live in an area you can afford and commute.
@@MikeThePike316 Tired of people saying this. Because there are six-figure jobs for everyone right? If that was the case many would be working them now.
@@MikeThePike316 live within your means? Under this formula of buying a home you’d have to purchase a 150K home(good luck with that). This formula requires a double income period, or make well above 6 figures.
I did the exact same thing last September using Churchill Mortgage after following George and Dave’s teaching. Got a great rate on our 15 year mortgage because we saved 20% down and my wife and I had slightly above average incomes.
So glad my favorite Ramsey personality EVER now has a UA-cam channel! Way to bring some financial peace to the 21st century!! 🎉🎉
So kind! Thank you!
Congrats on first video. Greetings from Ireland 🇮🇪 were all mortgages are manually underwritten
Yay! George, Im so proud of you! I met you back in 2020 when you were hosting the youtube channel and I had no idea you were on this path. So excited for you 🎉
Finally a financial UA-camr that isn’t going to spam us with ads and scams.
So glad you've got your own channel, George! Love you!
The feeling is mutual 🤣
Thanks for getting this out there, George. We did this, too. I had to tell the loan officer it was possible and then he figured out the process and we got a great rate!😊
Heck yeah! Way to go!
Dude! They need a Manual Underwriting Theme Hour like they have a Millionaire Theme Hour, where its stories on how everyone got this and the rate they got. Just to prove everyone it can be done.
So happy that you finally have your own YT channel! I wish you the best of luck.
I was hoping you were going to announce your book but this is just as good. Congratulations George K!
Ha that will happen towards the end of the year if all goes well!
Very best of success to you, George. You're a man of values and morals, as well as financial knowhow, it's sure to be a recipe for success.
So excited your new show has dropped. Looking forward to more great content.
Great job, George! As Dave works through his exit strategy, you and Rachel must be at the top of his list. Best of luck!!
OMG🎉🎉🎉🎉🎉I am soooooo happy George has his own channel!!!!!! Automatically Subscribed!!!!
Congrats my internet-friend - super happy for you - great content & love the cameo clips - great fun! Much love from pricey Jersey! 😉
George, you’re definitely one of my favorites. Heard of Ramsey for years but just started watching/listening to his show. You and Jade are my favorites together.
Awesome start George, heard you were starting this new channel from Rachels show, best of luck, really hope this takes off
Thanks Jon!
Well done George. Congrats on your sucess and this new venture. God bless you.
Just finished watching the latest Smart Money Happy Hour. I’m so excited to see you just started your own channel! I know it will be super successful - keep up the great content!!
Thanks Ariella!
Loved this! Congrats, George! Looking forward to many more videos.
I enjoy your witty style, and you always keep it fun. Thank you for helping to debunk the myth of credit scores and the underwriting process.
So glad you have your own channel, George! It’s a long time coming! 🎉
We went through manual underwriting and it was honestly pretty easily. The toughest part was freeing ourselves up for those 3-ways calls between your mortgage company and your cable company haha.
Hi George! Congratulations on the new UA-cam channel! You're my favorite personality!
Consultations on your podcast!! I am so happy for you!!
You're my favorite, George. Congrats on your new show.
Ah this was excellent. You and Jade are my fav Ramsey peeps, so I am happy you have your own show now! Looking forward to your wisdom and humor!!
Always appreciate your spiritual gift! You are truly relatable. Thanks for sharing your wisdom and snarky personality!
Thanks George. Always enjoy listening to you on the Ramsey podcast. One of the better hosts....
Appreciate that! 👊🏼
George, so glad you popped up on my feed. It feels weird hearing your voice outside of the Ramsey show but I think this was valuable content!
Congrats on the new channel! Will you be putting the old videos you used to do for the Ramsey Show on here? Like the money hacks. I often want to refer to them again and can’t find them. I’m really wanting to see the Chipotle one. 😊
Was looking forward to this channel and you did not disappoint!
Love to see this! Looking forward to all of the great content, George!
Awesome George ! Love listening to ya
My grade 11/12 personal finance class loves you, George! You keep things engaging and informative. We're located in Nova Scotia, Canada. Thanks for all you do. Keep it up!
I rarely comment on YT but I enjoy listening to you on the Ramsey podcasts! Thank you for sharing your knowledge with us. Your comments always make me laugh and are so relevant to things happening today. Good luck on your new channel! Can’t wait to watch future videos.
This was amazing! I loved it! The editing was perfection and so is George! Go team Ramsey!
Hooray for you George--how often will there be epidsodes? Daily, weekly--your public wants to know! Again, congrats!
3 a week! Monday, Wednesday, Friday!
Finally!!!! Yes ! Well done.
This is whats up.
Congratulations
George is the best! My husband and I love listening to the Ramsey Crew and George is hilarious :) keep being awesome
Thanks so much!
I found your channel today
I love it brother, keep them coming! 💪🙏⭐️
wow, George!!! Man, I'm very proud of yo
So glad you're in UA-cam!
New Subscriber! Thanx! Keep up the great work man! Love that you launched this! (Brand new to Dave Ramsey - Looking forward to this journey!)
Im only on UA-cam for all the George content so thanks Ramsey team! Make the next one longer tho!
Ha that means the world, Emma! Many more to come!
Agreed George’s pod cast should be 25-30 minutes
Ahhhh it’s his first video! Thought I was just stumbling upon it! Heyyyyyy!!!
Awesome job, George! Keep up the great work! I am on baby step 6 and you are keeping me motivated!
I’ve been checking if you have your own youtube channel!!!! Glad you have one now 😊
Great stuff, George! It was great meeting you in San Antonio this past fall. God bless!
Great job, George! Been watching Ramsey for over a decade you are clearly the future of Ramsey Solutions! Not at all biased living here outside of Boston! :-)
Excellent! My favorite personality
Love, love, love, love, love, love, George Kamel and this new show! Keep it up George😊
Great job George! Love the new channel
I love the public interviews!
Those are always a good time
loved this, George!! you guys are killing it!
So glad to have you on UA-cam George ! Love your content, please never lose your sense of humour 😆
So glad to find this channel. Love watchin you George!
Hey love the weird Beard episode! Give it another chance and watch again, it hilarious!
Love the Kamel content. I will be at the Ramsey event this Friday! Looking forward to seeing the new event center. 🤘🤘
“Believing my own ABILITY” This saying is amazing!!! New mantra!
Totally killed it! So excited for this new Ramsey show!
Was hoping for more info not taught on the Ramsey show. Ie manual underwriting rates vs credit score rates. Or can you get a better rate using manual underwriting if your score is low. George and presentation overall were good. Want more detailed content though
George, love love your channel. Could you please post your new shows on podcasts? Thank you!! 👍🏻👍🏻
So excellent George! Getting a channel couldn't have happened to a nicer guy!
Very kind, Steve! Thanks for being a longtime fan of ours!
I really like that I can see your style and your own ways in this channel. All the best! Looking forward to more great content
Appreciate that Maria!!
I have been waiting for this since you joined the personality team. Well done, bro. We love you in South Africa 🇿🇦 😂
KAMEL HAS A CHANNEL! Amazing way to start my week
Congrats George you deserve it
Thanks Ray!
@@GeorgeKamel you're welcome
Finally!! I’m so glad for George Kamel it took you too long to get ur own Channel. You are a success wish you The Best of luck..
That’s so kind 🥹 Thanks Tulio!
I'm pretty sure EVERY mortgage is does this anyway. Only using the credit score is for small amounts of financing like credit cards. Any loan of a significant amount will require an underwriter. Score helps with rates but isn't the deciding factor alone when an underwriter is involved.
Great money advice AND a great sense of humor. This show is a winner.
Love the touches of humor with all the content!!
Just liked and subscribed!
Great video. Don't live in the US even so I am learning from thr Ramsey team. ❤
So excited for your channel George! The Dr. John Delony Show will always be my favorite but I know this will be a close second because you are hilarious, extremely intelligent and, I feel like I relate to you more than old man Dave 😂🤪
Ferris here......George you have given me the push to buy a house without a credit score ......I watch you and Dave Ramsey pretty much religiously......I'm working on increasing my income and decreasing my bills to pay off my debt as quick as possible to achieve that goal when the time is right......I'm putting my journey on my channel as well on how I'm increasing my income and decreasing my bills....it's not what you might ordanairly think...let's just say I'm making huge and drastic changes and literally living on rice and beans.....I have many questions...... I know I'll have great answers from great people like you and your colleagues......can't wait to see more ...😁