How To Buy A Home In 2024 (THE STEP BY STEP TUTORIAL)

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  • Опубліковано 21 вер 2024

КОМЕНТАРІ • 1,6 тис.

  • @GrahamStephan
    @GrahamStephan  5 років тому +238

    Hey guys! For everyone asking for a real estate investing program, this was my full day event with Jeremy (Financial Education) in Las Vegas - my portion covered Real Estate Investing, and his portion covered building wealth through the Stock Market! Made a few video previews available as well! bit.ly/2W5tZZs

    • @SuperDorkLoL
      @SuperDorkLoL 5 років тому +5

      If you ever have a private event again let us know. I know with my mortgage paid off and equity at full capacity your lesson would be helpful. Thanks Again! #DedicatedSub

    • @GrahamStephan
      @GrahamStephan  5 років тому +10

      @@SuperDorkLoL I'll definitely do another one again...likely it'll be a small group that I host and I'll keep it to 15-20 people max. Otherwise the overhead cost SKYROCKETS...it's insane how much work goes into this.

    • @gabrielacarolina_
      @gabrielacarolina_ 5 років тому

      GRAHAM GRAHAM GRAHAM! Me and my husband live in a very expensive area ("top 10 most expensive cities" expensive) and are going to buy an condo downtown and it looks like for what we want, it's gonna be like ~1M. We have a savings plan for about $250k in the next ~3 years but I feel like when buying property this expensive the rules are going to be different as it seen as a "mega" loan. I would love to here your thoughts/ video on what the buying process is like for homes like this and how you go about finding a good realtor😫😫😫 SOS lol

    • @marykcc
      @marykcc 5 років тому

      Do you give advice to your viewers like a Q&A or on email ? Or a paid service?

    • @Brooke-jd3if
      @Brooke-jd3if 5 років тому

      Hey Graham, first thanks for the great information as always. Does your real estate investing program grant any access to be able to reach out to you and ask specific questions? I’ve been slowing building up a list as questions as I’ve worked through your videos. Would love to be able to shoot an email or something to you if I feel I’m missing a puzzle piece.
      Thanks!

  • @benjaminsauder7926
    @benjaminsauder7926 2 роки тому +433

    "2023" Must change the title every year🤣

    • @Captaingoosemon
      @Captaingoosemon 2 роки тому +13

      Well if the requirements haven’t changed that much why make a new video saying the same things every year.

    • @rosabellag9736
      @rosabellag9736 2 роки тому +32

      Bro even says 2019 in the vid lol

    • @drakepellegrinmma532
      @drakepellegrinmma532 2 роки тому +18

      Infinite monetization

    • @j82shf
      @j82shf Рік тому +2

      2023 now

    • @oblivian1308
      @oblivian1308 Рік тому +18

      Me here from 2024. He made a new video

  • @johncmoore416
    @johncmoore416 5 років тому +83

    One thing my dad ingrained in me is to never be emotional about any purchase. If it's a large purchase, pause, think on it, and really determine if it is something you need. The moment emotions get involved is when mistakes start to get made. Have a plan, be prepared, and if you are ready then buy.

  • @avocadotoast102
    @avocadotoast102 5 років тому +651

    STOP TALKING ABOUT ME ALL THE TIME GOD DAMN IT

  • @alemkunovac7079
    @alemkunovac7079 4 роки тому +9

    Finally someone who explains the purpose of smashing the like button.... Never knew how it helps people out so much.

  • @divabarr1567
    @divabarr1567 3 роки тому +8

    Thank you so much for the video! My husband and I are buying our first home so we are very new at this. It's nice to have someone explain this so we don't go into buying a home blindly.

  • @VAJswag
    @VAJswag 5 років тому +11

    I'm in the market for my first home and I am looking at properties now. Your video has helped me tremendously on the steps I need to take and the hints and tricks have gave me a better understanding of how to do things to save money. Thanks for the video, it's super informative and great!

  • @WinTheHouseYouLove
    @WinTheHouseYouLove 4 роки тому +7

    This is wildly great advice! Especially about looking at the whole financial picture with paying off debt.
    One quick note, conventional does allow a minimum of 3-5% down. Worth it to at least explore it as an option!

    • @albertozenemij9490
      @albertozenemij9490 4 роки тому +2

      If you do 3 to 5% down you're going to pay PMI wich is a waste of money. It's better to save th 20% plus closing cost or see if your lender provides 80-10-10 which allows you to pay 10% down and you avoid the PMI

  • @bradrad2019
    @bradrad2019 4 роки тому +22

    I’m so glad I just found this video. Currently looking at buying my first home. This answered every question I had.

    • @AngieMBlanco
      @AngieMBlanco 3 роки тому

      This is awesome! Were you able to close on your first place?

  • @TipsyHoneyBadger
    @TipsyHoneyBadger 5 років тому +10

    Hey Graham, long time viewer and subscriber. Between you and Kevin you can learn everything you need to know about real estate investing. One of my best friends and I actually both found your channel just on our own and thought it was hilarious that we both really liked your content without knowing the other person watched it too. Anyway, thanks for putting up such quality vids.

    • @GrahamStephan
      @GrahamStephan  5 років тому +3

      Ah thanks so much, that really means a lot!

  • @ThexXxCoDGoDxXx
    @ThexXxCoDGoDxXx 5 років тому +6

    best video on your channel. i was just watching you old video on how to buy a house from a year ago and then i refreshed my feed and saw that you posted this. thanks for video man!

  • @eldarriskovich3976
    @eldarriskovich3976 4 роки тому +281

    make a 2020 one

  • @SouperMaruchan
    @SouperMaruchan 5 років тому +44

    Well to be perfectly honest... In my humble opinion, of course without offending anyone who thinks differently from my point of view, but also looking into this matter in a different perspective and without condemning ones views and by trying to make it objectified, and by considering each and every one's valid opinion, I honestly believe that you should smash that like button.

    • @GrahamStephan
      @GrahamStephan  5 років тому +10

      I read your comment, and I don't mean to be disrespectful...but if you haven't smashed the like button, you really need to eat some avocado toast and reconsider your priorities.

  • @savannahspeer3247
    @savannahspeer3247 5 років тому +1

    Hey Graham. Ok so I just had to say that I'm buying a house in Vegas and I did what you suggested with the repairs. I added up the repairs to be xx as a bulk. Then I asked for just x in the repair request. And it workkkkkked. The sellers were so stubborn and cheap too I didnt expect it to work but it did! Thank you Grahammmm 😍 you're the best!

  • @mosessalazar465
    @mosessalazar465 5 років тому +212

    Graham can you please make a video on how to buy Avocado Toast.

    • @GrahamStephan
      @GrahamStephan  5 років тому +205

      Like this comment if you want to see a video about buying avocado toast

    • @junkman2758
      @junkman2758 4 роки тому +7

      Graham Stephan I definitely need this video as I’m at the restaurant trying to order and the waitress looking at me like I’m stupid

    • @AngieMBlanco
      @AngieMBlanco 3 роки тому

      LOL

  • @coreyjones478
    @coreyjones478 4 роки тому +6

    Great video, taught me all the basics I’ll need to know to buy my first home.

  • @AztecMae
    @AztecMae 4 роки тому +7

    I’m 13 and learning from this beforehand so I won’t worry much in the future

  • @Doingstuff56789
    @Doingstuff56789 4 роки тому +3

    Buying my house soon, dude your literally like my go-to for this. Thank you so much graham.

  • @BeANicePerson_
    @BeANicePerson_ 5 років тому +11

    Inspirational bro. I'm happy your giving genuine knowledge. Instead of those who trying to scam you with bogus info aka Grant Cardone.
    UA-cam Should replace schools. Imagine that 😂

    • @mallo9120
      @mallo9120 4 роки тому

      Yeah not all he is saying is correct he is off

  • @kobylomax
    @kobylomax 2 роки тому +1

    Anybody watching this in 2022 and realizing the video was made on 2019 but title says 2022. Well played Graham! Lol (still a great video :)

  • @latischiabristol
    @latischiabristol 5 років тому +10

    Thank you for all your great wisdom. It saves me a lot of time. I don’t mind listening to the long video because it’s expensive knowledge!!!!👍🏾

  • @djshotzny
    @djshotzny 4 роки тому +2

    This is the first time i ever dabbled in to this kind of thing. I appreciate the long video. Very informative

  • @UnOrthodox_Christian
    @UnOrthodox_Christian 2 роки тому +4

    I love how you changed the title lmao

  • @ryandunn1528
    @ryandunn1528 2 роки тому

    Great video Graham thank you

  • @christopherlw491
    @christopherlw491 5 років тому +93

    YOU get an inspection! YOU get an inspection!!

    • @GrahamStephan
      @GrahamStephan  5 років тому +38

      EVERYONE GET AN INSPECTION!!!

    • @greatsoldier50708
      @greatsoldier50708 5 років тому +6

      As an inspector myself I understand how often the buyer will blindly move in and within months report every problem in the book including septic issues and cupboards falling off the wall. ALWAYS GET AN INSPECTION.

  • @mithaSantara
    @mithaSantara 3 роки тому

    Thanks Graham for the valuable information.

  • @dianjohnson1
    @dianjohnson1 5 років тому +118

    This is depressing lol. I am nowhere near buying a home😔 😂
    I’ll just be thankful for what I have and keep plugging along to get out of debt.

    • @danehay5057
      @danehay5057 4 роки тому +3

      Ya. It sucks. You have to be making 40,000 to 80,000 a year if you have a partner to even start thinking about buying a home

    • @kyself4100
      @kyself4100 4 роки тому +1

      Dane Hay That’s not that much, I’m 18 and pretty sure I can get 40k in like 3 months

    • @kyself4100
      @kyself4100 4 роки тому +1

      Dane Hay Eh I wouldn’t call it a good life choice, I’m doing fraud pretty sure I can ruin my life if I get caught

    • @johnwentworth1368
      @johnwentworth1368 4 роки тому +1

      “Plugging along your get out of debt” is a huge positive step, if you’re taking it seriously. Keep it up and don’t let up! :-)

  • @bobsmith1841
    @bobsmith1841 5 років тому +2

    Love how real and specific you are man, nice work!

  • @calvinraab8798
    @calvinraab8798 5 років тому +3

    Thank you for laying it out in one simple video! I am always surprised how hard people make buying a home to be!

  • @ssdskully
    @ssdskully 5 років тому +89

    Probably won't buy a house for another 5-10 years so I'ma have to favorite this and watch it again.

    • @GrahamStephan
      @GrahamStephan  5 років тому +9

      hope it helps!

    • @meicealways5842
      @meicealways5842 5 років тому

      ssdskully lollll good idea

    • @1pyroace1
      @1pyroace1 3 роки тому +1

      I’m on the same boat actually buying now but hate to admit don’t know much n it’s all new to me

  • @patriciawaldow675
    @patriciawaldow675 5 років тому +11

    Just watched this video. It’s really good and well explained. I have been thinking about buying a house. My very first house. It’s just so much to go through wow very intimidating. Thank you for the great info 😊

  • @Prophitman8
    @Prophitman8 2 роки тому +4

    ummmmm 2022 or 2019??

  • @jakejaylee123
    @jakejaylee123 4 роки тому +4

    This video is so lean and informative! Thank you Graham! The world of adulting got so much better with this. (If there will ever be a renewed version of this video I hope it incorporates budgeting for kombucha)

  • @myspam7353
    @myspam7353 2 роки тому +3

    Video Title: “How to buy a home in 2022”. Video date: 1975 (in real estate terms)

  • @ulikemel89
    @ulikemel89 4 роки тому +3

    So much info in just 1 video. Thank you for putting this out there, had to subscribe!

  • @GurtGobain
    @GurtGobain 5 років тому +1

    Glad for the reassurance that I didn't make a mistake last year buying my first house. We put in a bully offer for 6k above listing price and got it before the open house. I don't regret paying extra because we love everything about the house, even though the market has gone down here and it's probably not worth that much now.

    • @GrahamStephan
      @GrahamStephan  5 років тому

      Enjoy the house!! Long term it won't matter!

  • @joedo5886
    @joedo5886 5 років тому +62

    You can buy a home with zero down, it has to be FHA, and roll all closing costs into the loan. 680 is lowest credit score, Debt to ratio matters.

    • @asux0
      @asux0 4 роки тому

      From which lender?

    • @mortgagesmademanageable9107
      @mortgagesmademanageable9107 4 роки тому +7

      FHA is minimum of 3.5% down. Only way this is possible is if this has some sort of grant attached to it. I wouldn't count on it. Only true 0 down programs are VA and USDA.

    • @thatmidwesttrader211
      @thatmidwesttrader211 4 роки тому +6

      Just got approved with 0 down with only 640 credit score, yes the loan is fha and no it's not a VA loan

  • @AttracTiff_Beauty
    @AttracTiff_Beauty 3 роки тому

    Very helpful and straight forward 😃

  • @Commonleverage
    @Commonleverage 5 років тому +22

    Can you do a video on how to build your own home from land acquisition to final product?

    • @GrahamStephan
      @GrahamStephan  5 років тому +3

      I don't know much about building, unfortunately - never done it myself!

    • @hanhhoangRE
      @hanhhoangRE 5 років тому +4

      Find a piece of land.. then go find a contractor and an architect...

  • @meowunboxing6919
    @meowunboxing6919 4 роки тому

    Tip 11 is GOLD.

  • @lamb8648
    @lamb8648 5 років тому +3

    Finally the video we needed, love you chief, thank you for providing us with quality content every single day, you really execute critical information and break it down for us viewers perfectly.. for that I wish you all the avocado toast in the world :3

  • @blacck7goldd787
    @blacck7goldd787 2 роки тому

    Great Job Graham

  • @JayAlvarez
    @JayAlvarez 4 роки тому +4

    Have you ever encountered a seller who insisted on an itemized estimate rather than accept a general one? What would be the buyer's options then?
    Great video, btw. Extremely helpful!

  • @nezlychavez04
    @nezlychavez04 3 роки тому +1

    Thank you so much! As a new real estate agent. This is great information to have.

  • @anuragroy11
    @anuragroy11 5 років тому +4

    Graham I love your videos!

  • @TartarianTopG
    @TartarianTopG 2 роки тому +2

    I love that they just change the year for this video 🤣

  • @LOLZHAHANOTFUNNY
    @LOLZHAHANOTFUNNY 5 років тому +9

    Thank you for the quality advice on this vid Graham! I work for the largest mortgage lender in Arkansas and it never hurts to know more. We have unique loans like rural development loans for first time borrowers in rural areas with 0% down payment. Creative financing is a true skill 😂 Thanks again Graham!

  • @heywinchell
    @heywinchell 5 років тому +1

    I'm so thankful that I stumbled upon your channel. I'm looking into buying a home this year and I had a little bit of an idea on how the process goes but this video made me gain confidence. Thank you for your advices!

  • @createdbykjvideo
    @createdbykjvideo 2 роки тому +4

    Can you remake this video for 2022?

  • @subprime2006
    @subprime2006 Рік тому

    I don’t how other states or counties but in OC, Los Angeles and San Diego but price of homes are actual stay the same or gone up a little bit. Location Location and location is the key so ask friend or a good minded Realtor not just any sales of properties. First time home buyers in the State of California can get that 20% for down payment. Awesome interest and no PMI. FHA is loan for the poor (bad credit) that is loaded with SUPER high costs.

  • @hip2dadip
    @hip2dadip 5 років тому +9

    Excellent video!! I went through the buying process about 2 years ago and your information is spot-on from the first word to the last!😎👍👍

  • @JimmyGill1
    @JimmyGill1 5 років тому +1

    Really appreciate your honesty! SUBSCRIBED!

  • @Kosaro1234
    @Kosaro1234 2 роки тому +3

    How to buy a house in 2022
    Uploaded in 2019 🤔🤔🤔

  • @taylorjulian2357
    @taylorjulian2357 4 роки тому +2

    Just hit 10k in savings and growing. My credit just broke 720. Thank you for all your great advice and inspiration. Now how do i buy my first house?

  • @JasonMansfield
    @JasonMansfield 5 років тому +8

    Sensible, approachable advice without being patronizing.

  • @antrod8014
    @antrod8014 2 роки тому

    You explain everything so perfectly and clearly for anybody to understand. Thanks for the video.

  • @sortacasual
    @sortacasual 5 років тому +4

    I would be interested in a video talking about one bedroom houses (ie: one bedroom, bathroom, kitchen, living room, etc). From the research I've done, they seem to do badly when trying to sell them since it stops anyone who wants to start a family from buying them. I don't intend on doing the whole marriage thing, so a one bedroom seems more economical, but I AM interested in your thoughts on the matter.
    Really love your videos Graham, I think you have some good ideas, and are very well-learned in the real estate world. Would always love more videos on personal finance (:

    • @sortakinda
      @sortakinda 5 років тому

      Agreed ^

    • @GrahamStephan
      @GrahamStephan  5 років тому

      Totally true...one bedrooms tend to have higher turnover, less demand, and get a MUCH lower price compared to a 2 bedroom.

    • @MattAD-ww7zy
      @MattAD-ww7zy 5 років тому

      Agree with the others... minimum 2 bedroom condo, one bedrooms are alot harder to sell.

  • @veeebeee2700
    @veeebeee2700 5 років тому +6

    This was so thorough that I subscribed. Thank you!

  • @SebastianTheGreat
    @SebastianTheGreat 3 роки тому +3

    I see what you did there Graham with changing the title of the video to the current year for the algorithm

  • @LiveInnerCity
    @LiveInnerCity 4 роки тому

    Great info Graham! Been following your journey for awhile! Definitely good points here.

  • @user-3klg0kk8y6g
    @user-3klg0kk8y6g 4 роки тому +8

    im 12 getting ready for the real world early already taking college like lessons tysm for the advice and stuff

  • @EddyJoe
    @EddyJoe 5 років тому

    Great video, Graham.

  • @chonleong7681
    @chonleong7681 5 років тому +14

    Saving this for when I buy a house in like ten years.

  • @AnitaBonita46
    @AnitaBonita46 5 років тому +2

    Hi
    Any chance you could do a video about buying a home to live in cash. The benefits of buying cash how to find out if the house haves a lien or finding any type of hidden fees? I'm sure you know the rest of the questions that a cash buyer may have so you could add to the new video I will totally appreciate that thank you.

  • @sergiogallardo3450
    @sergiogallardo3450 4 роки тому +55

    Anyone here after seeing the house market go down because of you know what.

    • @ryanpagano9355
      @ryanpagano9355 4 роки тому +3

      Ballin Baller Don’t have to wait now. It’s here. It’s just timing the bottom, and if you get anywhere within a stone’s throw you did way better than most the last several years.

    • @Thomas_Needs_Coffee
      @Thomas_Needs_Coffee 4 роки тому

      yep.

    • @jpzzz8478
      @jpzzz8478 4 роки тому

      Ballin Baller thx for not saying what we already know

  • @nexgengabi
    @nexgengabi 3 роки тому

    I loved what you said about the pre approval - I see so many people fall in love with a property that they cannot afford just YET.

  • @zachbrenner9959
    @zachbrenner9959 4 роки тому +121

    "Waited for the crash that never happened" who's watching in 2020?

    • @markespat5846
      @markespat5846 4 роки тому

      *birdman hand rub* almost there guys

    • @wrightw1982
      @wrightw1982 4 роки тому +1

      Housing markets in desirable cities are actually mostly up at the time of me writing this. CoViD induced market dip in 2021-22 due to foreclosures, maybe? Worth waiting to see? TBD

    • @ninja7654
      @ninja7654 2 роки тому +6

      Still waiting and it’s 2022 😭

    • @saishankarcherla
      @saishankarcherla 2 роки тому +2

      Laughs in 2022😂

    • @GreenRedoubt
      @GreenRedoubt 2 роки тому +3

      Lol almost there

  • @jessekahooya
    @jessekahooya 5 років тому +1

    Great stuff.

  • @NeoS-fq6ex
    @NeoS-fq6ex 5 років тому +12

    If I buy a house and close the deal like say in decemeber, am I responsible for the reestate tax for that year?

  • @Kayakamuy
    @Kayakamuy 5 років тому

    I think its awesome that you made this for people

  • @edwincheah276
    @edwincheah276 3 роки тому +177

    .

    • @discreetphaseresolutiononi299
      @discreetphaseresolutiononi299 3 роки тому

      After a recent post encouraging a low scoring forum member to be hopeful, several people have asked me how I got score from 466 to the 799 today. Hard work, patience, as well as asking many questions on this forum, have been my salvation. Not to say I haven’t slipped - I got so excited a few weeks ago when my score hit 799, and applied for a chase Auto Loan and amex 30k limit credit card (it was my birthday), and my score started slipping downward because of those new inquiries. I need not to beat myself up over those decisions, but oh well, you can’t change the past. To set things up, I have been in close contact with Jack at LEGITREPAIRS•ORG who has never failed me since i knew him, i get loans and more benefits without having to worry.

    • @RealEstateWithRay
      @RealEstateWithRay 3 роки тому

      Ewin...the reason it stills is lurking around and not directly on your credit is because the other bureuas have it. Get a full report from the others (noone talks about): lexis nexis, corelogic, innovis, sagestream, etc......You may see it there and can dispute it.

  • @thehidden1246
    @thehidden1246 5 років тому

    Another great vid Graham

  • @jgonzalez6498
    @jgonzalez6498 4 роки тому +3

    No one OWNS their property,just stop paying property taxes and you’ll see who really OWNS the property/ , do u have a video bout how not to pay property taxes so i can finally own my home?

  • @samuelquach9728
    @samuelquach9728 5 років тому +2

    Another great video Graham!
    I'd love to see content on what to do/not to do with interacting with real estate agents as a buyer/seller, because it sounds like you had all sorts of interactions

  • @MeMe-wt2le
    @MeMe-wt2le 5 років тому +3

    Is there a difference between pre-qualified, and pre-approval, and if so what is needed to buy a home??? Thank you I found a perfect home it’s 265k but I still need to get prequalified to know if I can afford it. Thanks for reading! P.S do you mind being my realtor? 😔

  • @judithsantillan8858
    @judithsantillan8858 3 роки тому

    Lent. The word is lent.

  • @sadiel1
    @sadiel1 4 роки тому +3

    graham at 13:16 : waited for the crash that never happened
    2020: hi

  • @gravestoner2488
    @gravestoner2488 3 роки тому

    Turned this on on my smart tv. A 45min ad popped up, so I let it play and watched on my phone instead. Enjoy the revenue 😉

  • @marshonmellows
    @marshonmellows 5 років тому +4

    FHA has MIP, private mortgages have PMI, but close enough 🤷🏼‍♂️

  • @CB-bs6gw
    @CB-bs6gw 3 роки тому

    Golden nuggets of information. Thank you.

  • @mariacerrato2931
    @mariacerrato2931 5 років тому +4

    Putting house on market in the next 30 days! Wish me luck!

  • @evecarvalho8996
    @evecarvalho8996 3 роки тому

    love your your presenting style. awesome. being so knowledgeable is the icing on the cake. learned a lot

  • @ericjuli6576
    @ericjuli6576 5 років тому +44

    What would change if you were looking to BUILD a house?

    • @hanhhoangRE
      @hanhhoangRE 5 років тому +3

      Eric Juli find a good contractor ..

    • @danehay5057
      @danehay5057 4 роки тому +1

      Save 300,000$ and have perfect credit.

    • @AngieMBlanco
      @AngieMBlanco 3 роки тому

      You have to see his new videos about the house he's building. It's INSANE!

  • @astorpineda2005
    @astorpineda2005 4 роки тому

    Awesome Video!

  • @vessaljaberi929
    @vessaljaberi929 5 років тому +6

    Dude you're blowing up in sub count each week!
    I remember you were in the 200k range for so long but even since you hit 300k youve been growing faster and faster. What do you think is the primary reason?

    • @GrahamStephan
      @GrahamStephan  5 років тому +5

      Thanks so much!! It's all the youtube algorithm...I've been blessed by the spotlight for the last 3 months, it's been crazy!

  • @soniaestrada8190
    @soniaestrada8190 5 років тому +2

    Thanks for all this info. My husband and I are trying to buy a home and all this was very helpful.

    • @JasonWalter1
      @JasonWalter1 4 роки тому +1

      Sonia Estrada wishing you the best! I’m a Realtor and I just uploaded a video for my home buyer tips. If you watch it I hope you get something out of it 🏡🙏🏻

  • @samsinghlondon
    @samsinghlondon 5 років тому +6

    Hi Graham Can we do Inspections on New build home?

  • @mitchell.9632
    @mitchell.9632 5 років тому

    Back to the roots of in-depth more than just over ten minute videos Graham. Such a library nowadays. "I will refer to..."

  • @ScentJunkie03
    @ScentJunkie03 5 років тому +10

    Closing costs are only 1%? My lender says it will be roughly 3.75%, and when I Google it, it says they're typically 2-5%. What am I missing here?

    • @hanhhoangRE
      @hanhhoangRE 5 років тому +1

      ScentJunkie03 about 2-3% depends on the loan program.. shop lenders for the best rate and closing cost

    • @Miss__Fancy
      @Miss__Fancy 5 років тому

      Hanh Hoang good to know!!

    • @mallo9120
      @mallo9120 4 роки тому

      It is around 3 %

  • @jacobdesterhaft4529
    @jacobdesterhaft4529 2 роки тому

    This was helpful. Thanks!

  • @jordanmendoza101110
    @jordanmendoza101110 5 років тому +12

    I just bought my home with no down payment with a conventional loan and most importantly NO PMI with a 698 credit score

    • @victorassessing7
      @victorassessing7 5 років тому +1

      Do you mind sharing in what state and what lender you used. Did you have any challenges? Thanks

    • @SavoryBaby
      @SavoryBaby 4 роки тому +2

      Arm or are you a vet?

    • @ilovepizza8263
      @ilovepizza8263 4 роки тому

      How?

  • @TheDavid771
    @TheDavid771 3 роки тому

    Like button smashed

  • @erinconnelly4655
    @erinconnelly4655 5 років тому +46

    If I have to pay off all my student loans before I can buy a home, I'll never have my own home. :/ I owe 153k for 3 degrees. I regret all of them, but I don't make enough to just pay these off any time soon.

    • @ladykp2907
      @ladykp2907 5 років тому

      I am in the same boat

    • @TinaStyles
      @TinaStyles 5 років тому +10

      I’m positive you don’t have to pay off all your student loans in order to be able to buy your own home all that matters is wether you stay consistent with your payments and have good credit. I know people who still have student loans but was able to buy a house.

    • @vinylastronaut1095
      @vinylastronaut1095 5 років тому +2

      The Budgeting Vegan if you’re under 32 years of age, join the military and have them repay your student loans

    • @MsSweetlove90
      @MsSweetlove90 5 років тому +1

      I promised myself to not let my children get in that much debt.

    • @redunicorn7760
      @redunicorn7760 4 роки тому +2

      I don't want to be intrusive but what degrees do you have?

  • @anthonymontanio1012
    @anthonymontanio1012 2 роки тому +1

    This isn’t 2019 anymore it’s a very different world now. Please make another video. Thank you.

  • @TheOneAboveAllx
    @TheOneAboveAllx 5 років тому +4

    If you don't like redbull try Monster or sting they are my fav!

    • @GrahamStephan
      @GrahamStephan  5 років тому +1

      I'll just try to avoid all of those and stick to coffee haha

    • @blade643
      @blade643 5 років тому

      The One Above All monster is trash

  • @GhostHxrTe
    @GhostHxrTe 4 роки тому

    When I think real estate, I don't think of a guy in a black room. The echo doesn't match a sit-down, upbeat vibe like yours in a black theme room like this. Definitely effected the quality of this video. The yellow doesn't go with black and grey. Your eye contact, hand motions and your wording is absolutely flawless. (As expected from a real estate agent) I feel like this video would've been a quality video if you did this in a white room or some kind of warm, inviting feeling room. Also, it's a good idea to invest your time in learning to place your ads in specific parts of the video.

  • @lovelyek8187
    @lovelyek8187 5 років тому +20

    Can you be my real estate agent? I trust you n I'm feeling ur vibe!! I'm 40 now n need a lil one family forever home!!!

  • @tonydavila6594
    @tonydavila6594 3 роки тому

    Dude, You Rock!!!!! Great Informational Video, Thank You... 😊😊😊😊😊

  • @serg_lupescu
    @serg_lupescu 5 років тому +36

    Not first because I was eating my avocado toast

  • @brittanysmason
    @brittanysmason Рік тому

    Question, I’m self-employed but I’m looking to buy a home, and now that you’ve discussed this I wish I had watch this before talking to the lender, because I mentioned that I was self-employed and then he mentioned FHA loan, is it better not to tell people that I’m self-employed then?