Timestamps! 1:12 Why buy over rent? 1:32 The fear of missing out and bad decisions 2:13 The "throwing money away" myth 3:39 Your 3-step savings plan 7:54 Everything you need in your plan 8:37 Paying down high-interest debt first 10:10 Why budgeting is important 10:52 Where to put your savings 12:05 The best budgeting method 14:35 Pause retirement savings to accelate savings 15:24 Getting a second job 15:39 Eating at home 15:55 Getting a roommate 16:25 How to stick to your plan
Yea your body is 23 but your soul is definitely 68 and retired. So I appreciated the pep talk in the beginning as I am currently buying patience at $1,850 a month for 2 beds in a 600sq ft space (yea, New York), my best friend in SC can pay her mortgage twice with that. Anyway, I didn't have a money goal or a budget, I just knew I had to have a chunk, so I've been on a spending freeze and have removed all debt. Now to get that budget in place. I am better off having watched this video. Tnx!
I can assure you that if you’re 23 and fear of missing out on marriage and a house, just chill. Like legit. Stop rushing important shit in your life and just love steady and consistently towards your goals
It’s been 3 months since I decided to stop renting and came back to my parents until I figure out my next steps. Prior to watching this video I was feeling anxious because now that I am not budgeting for rent, I felt like I needed to save 100% of my income to buy a house. I measured all possible scenarios without taking into consideration “by when do you want to achieve it?”. After watching your video, I budgeted everything against 3.5 years and, who would have thought, my anxiety is over, and now I can go back and rent, save for my house, invest and also support my parents. THANK YOU so much don’t ever stop this channel
Thank you so much for making a video on saving for a home that doesn’t involve moving back in with your parents. For many of us, it just isn’t possible. My goal of home ownership has always been due to the feeling of insecurity that comes from renting. That’s an external trigger that stems from fear due to past experiences, and the health issues stemming from sub-par living conditions. I’m living in a moldy apartment at the moment and the property manager has been ignoring my requests for remediation. Today I’m coming up with a list of internal motivation, and setting up automatic transfers to savings that will help me stash money away every week.
I love what you said about renting! People are always telling me I'm throwing money away but I know if I jump out there and buy a house now I wouldn't get what I want and I would not have peace of mind financially.
Your videos are so clear and so non confusing, wow 23! Can you mentor my 20yo!!! But really, thank you for all of you valuable information and just your delivery of it
Start saving ASAP. Just get started. Get educated. While you are saving, contact a realtor who works with first time buyers. They will know about Grants to homebuyers, city, county state and federal programs. I am not saying buy, i am saying get educated. Interview several realtors to find the right fit for you and your needs. Go to open houses, get a feel for different areas. Remember- do not get FOMO, there are millions of homes out there, lots of deals. If you miss one opportunity another will come along. While you are looking around I would highly recommend a course/class on how to maintain your home. Community College, Parks and Recreation and I’d even contact you local Habitat for Humanity to see if they offer any classes or know where some are. They have their program participants take this class and a budgeting class. You might want to volunteer for them. There are all kinds of contacts you can make while helping a worthwhile charitable organization. Also, use this time to learn to cut your expenses. Freewheeling is fine, but you are now looking at a serious commitment. I would recommend you read “Your Money or Your Life” by Vicki Robbins. Dave Ramsey is fine and he is right about a lot of things, but this book has a different approach. Worth your time and effort. Available at libraries, Amazon or EBay both new and used. I am not affiliated in any way. I suggest you use UA-cam to develop skills in getting food and personal/household items free or at low cost. This pandemic had no affect on me. I bought the best toilet paper for next to nothing, and store a 6-12 month supply, I shop my pantry not a full price store. You can learn to pay pennies on the dollar or free for toothpaste, toothbrushes, deodorant, shampoo/conditioner, toilet paper ( yup even charmin), laundry detergent, dish soap, feminine care (pads, tampons), razors, shaving cream, etc. I tend to do this twice a year for a month or so. Between - sales, coupons, store coupons, rebates I seen people even make $25-200 a month cash to get things. Even food is included in this. My grocer gives me a free item each week for using their online coupons. Free 8oz yogurt, free fruit, free milk and all I do it click the coupon and punch in my loyalty card at check out. Just these savings alone could supply that $200 a month you want to save for your new house. Anything you get that you don’t want can be donated to a food pantry, church, homeless shelter. Example: a guy might say I’m not buying makeup even though I can make $1-6, buy it, donate it or give to little sister and use the $1-6 to buy razor, deodorant, shampoo, or even food. Its like having a side hustle that makes $100-500 a month that you don’t have to pay taxes on. Once you understand the process, it very easy, and UA-camrs post the deals a week in advance. In line somewhere, pull out your phone and check deals for later. I even screenshot deals to take to the store with me. This is all possible, on step at a time, one chunk at a time until the mountain is yours Best Wishes!
My goal is 5 years I am currently doing my prerequisites for nursing, and after I get into nursing program I will be doing my RN and BSN at the same time. So my goal is to pay off as much debt as I can this next year and that way I have more wiggle room to save when the time comes but right now I am focused on my emergency savings, paying off debt and school 😊
I just moved from a great city apartment in a great area by a beautiful city park for a way far out in suburbia that is smaller. ... I save $350 a month. I also am keeping my 10 year old Kia as I almost bought a new one this weekend. Wish me luck as I need to get this stupid house. Man it's such a great pain but I pray it's worth it
SAME. The housing market is RIDICULOUS. I think everyone has either gone insane or jyst doesn't live in reality. The prices are DELUSIONAL. It just makes you wanna cry.
Here in MA too a good home near Boston would be at the very least on a good deal 400k 😩 but I want a multi family home when I am ready to buy and those are in the high 500s in the low end
"Other people's opinions of where you're at shouldn't dictate what you're doing." - everyone this side of the planet needs to hear that little golden nugget.
Wowwwwww....you done it again!!!!!....you relized me from thinking. Definitely i am going torent a cheaper place....little aprtment wirh my little son and save half of the money to grow my saving for a good down payment Thank youuuu! You are an angel. So real and compassionate telling always the true!
Helpful that you showed how to actually break down what we need for a down payment - Having a concrete plan on how to save is way more helpful than a vague “we need to save for a house!”
I love YNAB! So helpful for daily planning and keeps you accountable. I decided to decrease my 401k contributions for 8% to 3% (employer matches up to 3%) to start saving for a home sooner.
I just found your channel tonight. Because of student loans, that I only pay $56 a month for (for some reason the broker has to calculate a hypothetical payment of $500 per month, which drives me insane, btw) I have recently been told my DTI requires a down payment of ten grand. I was banking on the $3 - $4 grand he initially threw out there, but, no, I have to scrape up the rest to qualify for a home at a realistic price in SoCal (Right now, I qualify for an amount that is just pretty non-existent in the Golden State) I'm not sure how I'm gonna do it, but I know it can be done ( I think?? 🤔). Your empathetic and encoraging video was just what I needed. New Subbie. Thank you. And don't make this salty foreign substance fall from my eyes again, young man!
Thank you for taking the time out to explain the home buying process. Please advise me on being a 1st time home buyer, a senior on fixed income, no credit due to not being in debt...... should I even try?
Thanks for sharing your wealth of knowledge. I watch all your ads to the end because you deserve to get the compensation! Btw, you give me a false idea that moving to Ohio might be great not because of the $100,000 house but maybe all Ohioan men are all so intelligent and amazing like you!
Hi Kyle, I’m torn between moving out of state next year and waiting until 2022. Next year I’d be able to put down 5%, while if I wait an extra year I’ll be able to put down 20%. Given these two scenarios, about how much would I be saving in my monthly payments by giving 20% down? I have a 800+ credit score, looking at a $250K home (traditional mortgage). Thanks for the video!
Hey Erik! I have a quick and handy calculator here: winthehouseyoulove.floify.com/ (Sidenote: I can only work in OH, TN, and FL right now. So, don't apply unless you're in one of those states) Should save you around $170/mo and a lot more in interest over a few years. Kyle Seagraves → winthehouseyoulove.com
I’m 26 but you’re way mature than me. I had no idea on how to buy a house till I just bought house. I used to work for a software company then stitched jobs. Now I work for a bank (commercial real state loan department) ironically I had no idea about mortgage and such.
Yes,I get this all the time ....which some can be true I guess,however;I don't have any debt no collection but, I have to come up with the 3.5% so, I have been saving.I wanted to know more about the HUDhome ,if it's better and is it really cheap.I was told that I would bring more to the table.I also,wanted to know do they help with fix up cost.I have to in search since2019 but also, taking my time to make sure I get a good deal and will or how can we get cash back at closing
HUD requires you to work with a realtor. Find someone who understands your market and goals. A 203k can be used on most homes in need of repair. HUD has great programs but a good realtor might get you a better deal or the same kind of deal on a non HUD home. Be open to lots of opportunities.
Why wouldn’t you agree with paying off all your debt first? That’s my current plan right now. My only debt is my car and my plan is to pay that off first before applying for a home loan. I’m doing that because I don’t want any debt besides my home.
I'm jazz-handsing because I've already been saving $350 a month. But then I stop jazz-handsing because it's all for a surgery I'm paying for out of pocket. So the surgery is $5700, so a house is just... like... two surgeries... yay... Everyone is saying to do a budget, but I grew up not buying anything at sticker price. It's a fight to let myself buy basically anything. (I'm so bad at groceries because it's easier to not eat than to spend money...) It might be healthier to have a budget instead of like crippling guilt but I don't see the point in having both lol.
Hey, thanks for all the tips and info. I downloaded YNAB. I've never linked my account to software tools. I'm worried but I am ready to use help for budgeting.
A co-applicant (or co-borrower, same thing) is a great way to help you qualify if on paper the lender isn't able to give you an approval. I'd want you to have a gameplan to eventually refinance without the co-borrower's help so they don't have to have an extra mortgage in their name.
I reside in California, San Diego to be exact and boy oh boy its impossible to buy a home that is 260,000 I am in the works of saving to buy a home in another state other than California, would I still qualify to purchase a home if I transfer my job? The accompany I work with has locations in the state I am looking to buy a home. Would that be a problem with applying for an FHA loan? Been at the job for 4 1/2 years.
Thank you for your knowledge, your videos have calmed me in every way. Wish your were licensed in the state of Texas. As I am working on getting out of California and buying in Texas. Hint hint😊... thank
Somewhat tangential, but do you like Ohio? Would you move somewhere else? I’m also 23/24 and couldn’t imagine what it’s like to be live in the suburbs so young (currently in nyc).
First, you're the only other person I've heard use the word tangential haha. It's one of my favorites. Ohio is ok. My whole family is within 15 minutes of me, so I enjoy that. But, I'm definitely open to moving in the future. I really love the west.
Win The House You Love my coworkers use that word a lot so I just hopped on the bandwagon 😂. & got ya, being near family is always nice. I would kill to move to LA, that’s deff the long term goal.
@@WinTheHouseYouLove Happy Birthday! Thank you for all the knowledge but most importantly thank you for always telling people to take deep breaths and stay calm during their home buying process!
Hey man I’m so glad I came across your channel I already subscribed your content is amazing I currently am 23 years old I’m in a serious relationship I’m paying $550 a month in California for a room with a shared bathroom no access to a kitchen do you think it be a good idea to upgrade to a studio for a one bedroom apartment and split the rent with my serious girlfriend
Hey Jimmy! I'm glad you're here! Thanks so much for your kind compliments!! Hmm, if the studio cost isn't crazy expensive, then I think that could be a really solid plan. Saving money is great, but we have to balance saving money and living a fulfilled life. A room w/ shared bath and no access to a kitchen sounds rough. - Kyle Seagraves winthehouseyoulove.com
Thank you! Very informative. I just made a similar video on my channel as well. It will be so worth it when we wait, save up and then put down a good amount as Down Payment, so we can truly enjoy our DREAM HOME!
At 23 all of your friends are getting married and having kids??? Wow to each their own… And buying houses at 23? I think I just graduated college then.
Timestamps!
1:12 Why buy over rent?
1:32 The fear of missing out and bad decisions
2:13 The "throwing money away" myth
3:39 Your 3-step savings plan
7:54 Everything you need in your plan
8:37 Paying down high-interest debt first
10:10 Why budgeting is important
10:52 Where to put your savings
12:05 The best budgeting method
14:35 Pause retirement savings to accelate savings
15:24 Getting a second job
15:39 Eating at home
15:55 Getting a roommate
16:25 How to stick to your plan
🎧 Listen To The Podcast
plinkhq.com/i/1493715474
💰 7 Proven Ways To Save Thousands On Your Home
www.winthehouseyoulove.com/free
This guy is simply cool
23? So calm and collected . When I was 23 I was the total opposite.
Haha well I just turned 24, so I'm a real adult now 😂
@@WinTheHouseYouLove wow no way you're younger than I am! thanks for the vids like always
23 and hot 😅
Yea your body is 23 but your soul is definitely 68 and retired. So I appreciated the pep talk in the beginning as I am currently buying patience at $1,850 a month for 2 beds in a 600sq ft space (yea, New York), my best friend in SC can pay her mortgage twice with that. Anyway, I didn't have a money goal or a budget, I just knew I had to have a chunk, so I've been on a spending freeze and have removed all debt. Now to get that budget in place. I am better off having watched this video. Tnx!
😂 I feel exactly like that.
I'm glad it's been helpful :)
You just made me feel so calm about all this I could cry rn 😂💛 thank you so much
I'm so glad! Thanks for watching :)
Kyle Seagraves → winthehouseyoulove.com
I can assure you that if you’re 23 and fear of missing out on marriage and a house, just chill. Like legit. Stop rushing important shit in your life and just love steady and consistently towards your goals
Yes, take your time. Thanks for watching!
It’s been 3 months since I decided to stop renting and came back to my parents until I figure out my next steps. Prior to watching this video I was feeling anxious because now that I am not budgeting for rent, I felt like I needed to save 100% of my income to buy a house. I measured all possible scenarios without taking into consideration “by when do you want to achieve it?”. After watching your video, I budgeted everything against 3.5 years and, who would have thought, my anxiety is over, and now I can go back and rent, save for my house, invest and also support my parents.
THANK YOU so much don’t ever stop this channel
I love to hear that, thank you for watching!
Thank you so much for making a video on saving for a home that doesn’t involve moving back in with your parents. For many of us, it just isn’t possible.
My goal of home ownership has always been due to the feeling of insecurity that comes from renting. That’s an external trigger that stems from fear due to past experiences, and the health issues stemming from sub-par living conditions. I’m living in a moldy apartment at the moment and the property manager has been ignoring my requests for remediation.
Today I’m coming up with a list of internal motivation, and setting up automatic transfers to savings that will help me stash money away every week.
Thanks for watching! Best of luck. :)
Inspiring to know that the down payment is not a fee, but instead starts up the equity
Absolutely :)
I love what you said about renting! People are always telling me I'm throwing money away but I know if I jump out there and buy a house now I wouldn't get what I want and I would not have peace of mind financially.
Your videos are so clear and so non confusing, wow 23! Can you mentor my 20yo!!! But really, thank you for all of you valuable information and just your delivery of it
Thank you so much for watching!! :)
Start saving ASAP. Just get started. Get educated. While you are saving, contact a realtor who works with first time buyers. They will know about Grants to homebuyers, city, county state and federal programs. I am not saying buy, i am saying get educated. Interview several realtors to find the right fit for you and your needs. Go to open houses, get a feel for different areas. Remember- do not get FOMO, there are millions of homes out there, lots of deals. If you miss one opportunity another will come along.
While you are looking around I would highly recommend a course/class on how to maintain your home. Community College, Parks and Recreation and I’d even contact you local Habitat for Humanity to see if they offer any classes or know where some are. They have their program participants take this class and a budgeting class. You might want to volunteer for them. There are all kinds of contacts you can make while helping a worthwhile charitable organization.
Also, use this time to learn to cut your expenses. Freewheeling is fine, but you are now looking at a serious commitment. I would recommend you read “Your Money or Your Life” by Vicki Robbins. Dave Ramsey is fine and he is right about a lot of things, but this book has a different approach. Worth your time and effort. Available at libraries, Amazon or EBay both new and used. I am not affiliated in any way.
I suggest you use UA-cam to develop skills in getting food and personal/household items free or at low cost. This pandemic had no affect on me. I bought the best toilet paper for next to nothing, and store a 6-12 month supply, I shop my pantry not a full price store. You can learn to pay pennies on the dollar or free for toothpaste, toothbrushes, deodorant, shampoo/conditioner, toilet paper ( yup even charmin), laundry detergent, dish soap, feminine care (pads, tampons), razors, shaving cream, etc. I tend to do this twice a year for a month or so. Between - sales, coupons, store coupons, rebates I seen people even make $25-200 a month cash to get things. Even food is included in this. My grocer gives me a free item each week for using their online coupons. Free 8oz yogurt, free fruit, free milk and all I do it click the coupon and punch in my loyalty card at check out. Just these savings alone could supply that $200 a month you want to save for your new house. Anything you get that you don’t want can be donated to a food pantry, church, homeless shelter. Example: a guy might say I’m not buying makeup even though I can make $1-6, buy it, donate it or give to little sister and use the $1-6 to buy razor, deodorant, shampoo, or even food. Its like having a side hustle that makes $100-500 a month that you don’t have to pay taxes on. Once you understand the process, it very easy, and UA-camrs post the deals a week in advance. In line somewhere, pull out your phone and check deals for later. I even screenshot deals to take to the store with me.
This is all possible, on step at a time, one chunk at a time until the mountain is yours Best Wishes!
Excellent advice!
I’m blown away that you can buy a home for $100k. I’m in LA, and you’re right - some old studios (not even a 1-bedroom) might cost $500k.
That's brutal!
My goal is 5 years I am currently doing my prerequisites for nursing, and after I get into nursing program I will be doing my RN and BSN at the same time. So my goal is to pay off as much debt as I can this next year and that way I have more wiggle room to save when the time comes but right now I am focused on my emergency savings, paying off debt and school 😊
Awesome!!
I just moved from a great city apartment in a great area by a beautiful city park for a way far out in suburbia that is smaller. ... I save $350 a month. I also am keeping my 10 year old Kia as I almost bought a new one this weekend. Wish me luck as I need to get this stupid house. Man it's such a great pain but I pray it's worth it
I literally LOLd at $100k for a house. I'm in California and I need minimum $500k. Anything less is a dump. I'm so sad 😭😭
Dang that's a bummer! You can get a whole house in Ohio for $100k
CA has a bit more to offer though :)
SAME. The housing market is RIDICULOUS. I think everyone has either gone insane or jyst doesn't live in reality. The prices are DELUSIONAL. It just makes you wanna cry.
Here in MA too a good home near Boston would be at the very least on a good deal 400k 😩 but I want a multi family home when I am ready to buy and those are in the high 500s in the low end
We thought prices were bad then, and everything has doubled since a few years ago 💀
Update guys: I actually bought a house in 2021 in so cal and it was for $525k but interest was super low then. I got lucky.
"Other people's opinions of where you're at shouldn't dictate what you're doing." - everyone this side of the planet needs to hear that little golden nugget.
Wowwwwww....you done it again!!!!!....you relized me from thinking. Definitely i am going torent a cheaper place....little aprtment wirh my little son and save half of the money to grow my saving for a good down payment Thank youuuu! You are an angel. So real and compassionate telling always the true!
Thank you for watching and best of luck!
Helpful that you showed how to actually break down what we need for a down payment - Having a concrete plan on how to save is way more helpful than a vague “we need to save for a house!”
Thanks for watching. :)
I love YNAB! So helpful for daily planning and keeps you accountable. I decided to decrease my 401k contributions for 8% to 3% (employer matches up to 3%) to start saving for a home sooner.
YNAB is incredible! I think I might make some videos on YNAB soon!
Only 23, so calm, smart -- wonderful video!!
Thank you so much! :)
23? So mature. Are you a homeowner? If so, can u do a video on your process?
Haha thanks! I'm currently renting until the market presents a better opportunity for what I want to buy.
I just found your channel tonight. Because of student loans, that I only pay $56 a month for (for some reason the broker has to calculate a hypothetical payment of $500 per month, which drives me insane, btw) I have recently been told my DTI requires a down payment of ten grand. I was banking on the $3 - $4 grand he initially threw out there, but, no, I have to scrape up the rest to qualify for a home at a realistic price in SoCal (Right now, I qualify for an amount that is just pretty non-existent in the Golden State) I'm not sure how I'm gonna do it, but I know it can be done ( I think?? 🤔). Your empathetic and encoraging video was just what I needed. New Subbie. Thank you. And don't make this salty foreign substance fall from my eyes again, young man!
Conventional might be an option if you're using IBR on your student loans!
I'm so glad to help, thanks for watching!
Thank you for taking the time out to explain the home buying process. Please advise me on being a 1st time home buyer, a senior on fixed income, no credit due to not being in debt...... should I even try?
For sure! Yes, I would try!
Fixed income is the easier income to underwrite and having no debt will put you at a great advantage.
I wish you can make a video like this for people living in the state of Massachusetts in 2023 🙏
This applies to all states :)
Thanks for sharing your wealth of knowledge. I watch all your ads to the end because you deserve to get the compensation! Btw, you give me a false idea that moving to Ohio might be great not because of the $100,000 house but maybe all Ohioan men are all so intelligent and amazing like you!
Ohio is a nice place to live, you are right! Thanks for not skipping the ads, I appreciate it.
how do you save for a house when the average price is 800,000 and many over 1 mil. 50k a year salary in a good job and renting costs 500 a week
Hi Kyle, I’m torn between moving out of state next year and waiting until 2022. Next year I’d be able to put down 5%, while if I wait an extra year I’ll be able to put down 20%. Given these two scenarios, about how much would I be saving in my monthly payments by giving 20% down? I have a 800+ credit score, looking at a $250K home (traditional mortgage). Thanks for the video!
Hey Erik!
I have a quick and handy calculator here: winthehouseyoulove.floify.com/
(Sidenote: I can only work in OH, TN, and FL right now. So, don't apply unless you're in one of those states)
Should save you around $170/mo and a lot more in interest over a few years.
Kyle Seagraves → winthehouseyoulove.com
Win The House You Love Thanks, that’s very helpful!
Wise beyond your years sir
Thanks!
Love the typed notes!
I'm so glad!
I saved 200$ from every paycheck for 3 years and I was set for a down payment.
I’m 26 but you’re way mature than me. I had no idea on how to buy a house till I just bought house. I used to work for a software company then stitched jobs. Now I work for a bank (commercial real state loan department) ironically I had no idea about mortgage and such.
Awesome! Haha, nah I just act mature on video 😂
Congratss!!!
Thanks Kyle. Much appreciated.
You're very welcome!
Loving these videos bro. 👍
Thanks so much!! :)
Service credit union! 5% APY on savings!
Yes,I get this all the time ....which some can be true I guess,however;I don't have any debt no collection but, I have to come up with the 3.5% so, I have been saving.I wanted to know more about the HUDhome ,if it's better and is it really cheap.I was told that I would bring more to the table.I also,wanted to know do they help with fix up cost.I have to in search since2019 but also, taking my time to make sure I get a good deal and will or how can we get cash back at closing
The $100 is a great option! You can pair it with a 203k for repairs
HUD requires you to work with a realtor. Find someone who understands your market and goals. A 203k can be used on most homes in need of repair. HUD has great programs but a good realtor might get you a better deal or the same kind of deal on a non HUD home. Be open to lots of opportunities.
Why wouldn’t you agree with paying off all your debt first? That’s my current plan right now. My only debt is my car and my plan is to pay that off first before applying for a home loan. I’m doing that because I don’t want any debt besides my home.
I think it's a great plan! But not always practical for some people since it can take a long period of time.
Thank you for this video, helped calm me down a bit haha
I'm so so glad it helped calm your nerves a bit!!
Kyle Seagraves → winthehouseyoulove.com
Kyle, you have a great voice
Thank you!
I'm jazz-handsing because I've already been saving $350 a month. But then I stop jazz-handsing because it's all for a surgery I'm paying for out of pocket. So the surgery is $5700, so a house is just... like... two surgeries... yay...
Everyone is saying to do a budget, but I grew up not buying anything at sticker price. It's a fight to let myself buy basically anything. (I'm so bad at groceries because it's easier to not eat than to spend money...) It might be healthier to have a budget instead of like crippling guilt but I don't see the point in having both lol.
That's awesome on the savings!!
A budget has been so so helpful for me! Might be worth exploring :)
Hey, thanks for all the tips and info. I downloaded YNAB. I've never linked my account to software tools. I'm worried but I am ready to use help for budgeting.
Thank you so much for watching!! :)
You are the bomb! Where were you when I was blowing cash like I had no tomorrow?
Thank you so much for watching!! :)
First of all….. you’re 23?! I wish I had this knowledge 10 years ago! I’d have a house paid off if I had saved back then 😭😭😭😭
Now 25 :) Thanks for watching!
We're trying to buy a home to give our children stability throughout the rest of their childhood. Do you do business in Florida?
I am licensed in FL :) you can go to my website to contact me if you'd like
@@WinTheHouseYouLove Thank you!! I will be in touch.
Hey what are your thoughts on buying with a with co- applicant
A co-applicant (or co-borrower, same thing) is a great way to help you qualify if on paper the lender isn't able to give you an approval.
I'd want you to have a gameplan to eventually refinance without the co-borrower's help so they don't have to have an extra mortgage in their name.
@@WinTheHouseYouLove wow thanks didn't know i can refinance without the co borrower and what if they already have a mortgage??
I want my children to have a house to grow up in. A special place that is ours.
That's a nice plan. Best of luck and thanks for watching. :)
I reside in California, San Diego to be exact and boy oh boy its impossible to buy a home that is 260,000
I am in the works of saving to buy a home in another state other than California, would I still qualify to purchase a home if I transfer my job? The accompany I work with has locations in the state I am looking to buy a home. Would that be a problem with applying for an FHA loan? Been at the job for 4 1/2 years.
Ah that's a bummer, the CA market is rough to purchase in.
You sure can if you're in a job transfer :)
Thank you for your knowledge, your videos have calmed me in every way. Wish your were licensed in the state of Texas. As I am working on getting out of California and buying in Texas. Hint hint😊... thank
What happen if the rent and mortgage is the same price
You can still save more than you pay per month in rent
Thanks so much , my girlfriend and i are still renting but planning on saving for a house . The video was quite informative.
You're welcome, so glad to help!
Kyle Seagraves → winthehouseyoulove.com
Somewhat tangential, but do you like Ohio? Would you move somewhere else? I’m also 23/24 and couldn’t imagine what it’s like to be live in the suburbs so young (currently in nyc).
First, you're the only other person I've heard use the word tangential haha. It's one of my favorites.
Ohio is ok. My whole family is within 15 minutes of me, so I enjoy that. But, I'm definitely open to moving in the future. I really love the west.
Win The House You Love my coworkers use that word a lot so I just hopped on the bandwagon 😂. & got ya, being near family is always nice. I would kill to move to LA, that’s deff the long term goal.
You're handwriting is less than legible, to put it lightly. The typed notes are a godsend.
If we're here correcting each other's mistakes: the correct usage is "your" to put it lightly ;)
@@WinTheHouseYouLove Haha. Got me! Thanks for your videos. Your advice is so helpful.
I just cash out my 401 k because of covid19 only pay 22% in taxes but my only way to get a down payment
You might have been able to get a 401k loan instead and save yourself on the taxes, but it may be too late at this point
Omg dude I’m 23 !
Nice! I just turned 24 2 months ago haha
You have a nice speaking voice 👌 👏 👍
Thank you! 😃
Here i am looking at Condos for 500k then looking at the HOA for 400/month 😩😭😬
How is this possible?!!!
HOA's are insane
23? I'm dead.
Well, I'm 24 now
@@WinTheHouseYouLove Happy Birthday! Thank you for all the knowledge but most importantly thank you for always telling people to take deep breaths and stay calm during their home buying process!
Haha thanks! You’re so welcome, my hope is to add just a glimmer of calm in the stressful home buying world
Hey man I’m so glad I came across your channel I already subscribed your content is amazing I currently am 23 years old I’m in a serious relationship I’m paying $550 a month in California for a room with a shared bathroom no access to a kitchen do you think it be a good idea to upgrade to a studio for a one bedroom apartment and split the rent with my serious girlfriend
Or should I just keep living where I’m at until I’m ready to buy a multi family
Hey Jimmy! I'm glad you're here! Thanks so much for your kind compliments!!
Hmm, if the studio cost isn't crazy expensive, then I think that could be a really solid plan.
Saving money is great, but we have to balance saving money and living a fulfilled life. A room w/ shared bath and no access to a kitchen sounds rough.
- Kyle Seagraves winthehouseyoulove.com
CA good luck lol good one bro
CA is a different beast
Thank you! Very informative. I just made a similar video on my channel as well. It will be so worth it when we wait, save up and then put down a good amount as Down Payment, so we can truly enjoy our DREAM HOME!
Nice! Thanks for watching. :)
Wow, where are this $100,000 houses that are not a dump???
Ohio is full of decent $100k houses
New Mexico
step one. don't listen to wall street bets
Hahah wall street bets is wild!
At 23 all of your friends are getting married and having kids??? Wow to each their own…
And buying houses at 23? I think I just graduated college then.
typed notes are 100 times better
Thank you for sharing your perspective.
What steps do I need to take to pre-qualify for a FHA loan?
Here's a video on it: ua-cam.com/video/ujc7775SDEk/v-deo.html
What state are you looking to buy in?
Win The House You Love I’m looking at Tennessee .
@@wbanks7491 I'm licensed in TN. You're welcome to apply on my website (www.winthehouseyoulove.com/) and I can help you get pre-qualified.
Hahaha I get to your 100k and California as I'm in cali, yeah... hahhaa 250k barely covers some condos hahah
Cali is on another level haha
@@WinTheHouseYouLove don't remind me hahahahaha ugh sooo tempted to move but wouldn't know where
You work at home well.
I hope the home front is also good.
Essential worker in hot spot - Cambridge MA .
I've been working at the office, but don't have contact with anyone :)
@@WinTheHouseYouLove Ok , that sucks .
Whew! This video did not age well! But who knew, right? Got any ideas for this 2024 post pandemic REIT housing takeover crisis? 😅
It’s a wild market for sure!
Who is having kids and buying houses at 23?????? So young. I thought you said 33
Save for a house? Get a second job
That’s an option!
That’s an option!
That’s an option!
ur only in early 20s? 😳 i mean ur cute but u act/look like in late 30s bruh
Hahah yeah I’m 24. When I’m actually in my 30s I’ll be yelling at kids on the lawn 😂
23? you’re the only 23 year old I’ve ever liked. Lol (nobody likes 23 year olds ;) ) jk jk
Well now I'm 26 haha