I'm a single woman who wants to be in a home in early 2024 before my lease is up after 11 years of apartment living. Every time I listen to news like this about the housing market it's easy to get so discouraged and say things like "I'll never get a house." But instead I will be intentional and say "Nothing is impossible with God."
Keep on trusting and have faith. I rented for 12 years and moved 5 times, when I think about how much money I wasted it makes me feel sick to my stomach. Save your money, keep your debt no to low debt. No late payments, don’t buy nothing major. It’s feasible if you trust in GOD. Don’t listen to a lot of these tubers they will keep you feeling hopeless. This is the best one I only listen to. Hold your head up and know it’s your time!!!
Look into USDA two loans( direct is one and the other is called guaranteed), If you have a very healthy amount of patience the NACA program. These are the best programs despite interest rates. Hope this helps you. 🙏🏾
In 1971, the interest rate for a mortgage was 7.33%. If you waited for interest rates to go gown, you wouldn't have purchased a home until 1993. You would have rented for 22 years waiting for rates to go down, meanwhile the value of real estate quadrupled. Don't wait to buy real estate. Buy real estate and wait. Marry the house, date the rate.
Hey Shaheedah! I’m in group three. I took your advice and looked for a home outside of my target community (20mins out). Saw a home with multiple acreage that had been on the market for 20 days. Home is newly renovated. The seller had already reduced the listing price by $24k. I put in an offer. And mine was the only one on the home. I’m under contract and hoping to close next week. The home price is less than what my target community was offering. Plus, I get land with this purchase.
Congratulations.. My husband and I experienced the same got more land and house was recently renovated plus was appraised way more than what we got it for we had some VERY STRESSFUL moments but we are set to close on next week! 🙌🏾 Best Wishes to you
I've been looking at houses on and off since 2018. I've saved and plan on putting around 85k on a down payment for a house. For YEARS people have been telling me, "Now is not the time to buy a house." It feels like it's NEVER a good time to biy a house. I'm just gonna do me.
Thank you.I just recently brought a home, I was very blessed to get a decent interest rate and walked in with 26k in equity. House appraised higher than purchase price. I plan on staying in my home for a very long time, it also helps with more than one income. Good luck to anyone who is in the market.
I bought a condo 3mths ago outside of my state and I have a commute under and hour, but I stay with my parents the majority of the week and then go to my place. I feel this was the best decision as a single female. The place needs updating, but I'm making repairs slowly and I plan to be there for a long time. I have to go back and forth with the HOA sometimes, however I still feel it was the best decision.
@@sayo6037 Therr is a problem with the gutter above my unit that needs to be approved and fixed, they changed the heating system and some of our units aren't getting heat. So sometimes the HOA are slow to move. You are responsible for the inside of your unit and they're responsible for the outside.
I'm definitely in the first group since 2021. It's a challenge, at times, especially since I'm making the best salary of my career but its still not enough to buy or comfortably rent (living with fam). I'm trying to hold strong that my day will come. Thank you for your videos because I feel like I know waaaay more now and better equipped than when I was on the market.
Learn about dept to income ratio. Consolidate 3 credit cards to 1, so your minimum payment isn’t x 3. For example min payment is $50 on all 3. $150 a month dept! 1 credit card would be one payment of $65. Reducing your dept to income ration to afford more house. And pay your credit card on time! That will increase you credit score!
I’m in group 3. Signed contract on new home this June. Increased my income by 20%, slowly building my credit score until I close, plan to buy down rate and do a 2-1 buy-down. Prices came down slightly this past summer. Fingers crossed!
Im so glad we pulled the trigger and got our one bed condo last june. Though we will be probably having a 14k condo repair assessment. It is somewhat worth it at the end of the day. Lowest rent in dowtown miami nearby hospital is around 1800 for one bed to 2400 plus you have to pay for monthly parking. In our condo 15 mins. Walking to metro rail nearby shopping mall and around gated neighborhood we paid 1500 including HOA. Only with a big BUT most condo nowadays doesnt have a reserve so expect to save extra cash for repair assessments .
Wish I was watching your videos for years before buyIng!! Gosh. But the home(2 family) I’m closing on now is just my first buy and I don’t plan on marrying and having children there. I am in group 3, I was tired of renting and wish I bought my first home 2-3 year ago because I could have financial wise, I was just here thinking I should be waiting for marriage 😂🤦🏾♀️ (terrible mind set). So I’m glad I have so much knowledge now for when I’m buying my family home and who knows, maybe for extra source of income/investment ❤
Thank you for the information, I’ve been looking, going out with a realtor and I feel so blessed🙏🏽 I’ve bid on houses and the sellers have selected another buyer. You confirmed all the thoughts in my head. I truly don’t need the stress that would have come with a purchase.
Thank you for sharing your knowledge. My husband and I want to buy a home, but we are 67 years old retirees, and everyone is saying that it's too late for me to buy a house now. I don't want to keep paying rent. I want my house regardless of my year. 😮 what should we do? A house or a condo?
you might also want to keep an eye on the price per sq feet in the area you are interested so that you don't end up paying more than what your neighbors did.
Nope!! You better get it now! You have desperate sellers, motivated sellers! Find you a mortgage that is comparable to your rent within a couple hundred dollars. When it crashes, you aren’t getting nothing for a loooooooong time! Seize the day ! Tear off the band-aid and move forward!
I'm a new subscriber...I so appreciate your content and your clients will be SO lucky to have you. Because you dont just sell homes you educate your clients on how to be financially literate in home buying and they can pass on those skills to the next generation. Do you do home buying for investors vs home owners?
I mostly focus on buying a personal residence. Here are a few videos I've done on investing: ua-cam.com/video/-s_bMMukIOk/v-deo.html ua-cam.com/video/pNGzW-trT84/v-deo.html
I didn’t wait. I got my hands on a two unit in the Bronx. Locked in my rates at 6.2, I closed in September. Now I’m just trying to get ahead two months on the mortgage & figure out my next move. Might be impossible to grab another multiple family before my single family home.my next move is Depending on the market in 4-5yrs
I moved from one side of the country to another to save money and be able to buy a home. Gratefully there are houses in my new area that are still under $300K and there’s a great grant program that would allow me to buy a home at 4%! Prayerfully, I will be in my home by the end of next year.
This whole thing is not sustainable. There’s no way that these prices are going to hold. I don’t think a crash is going to happen but there’s going to be a correction for sure. It comes in cycles if you look at the history of the housing market at always comes in 8 to 10 year cycles. We’re already in the eight year Since the market started climbing up since 2015 actually almost approaching the 90 year it doesn’t just keep climbing. We are already seeing homes coming down significantly in the Vegas area. Most people cannot even afford them even with our credit rating which is about 760. We were told yesterday that our interest-rate would be about 8.63%.
As a homeowner how would me allowing someone to ‘assume’ my home at my lower interest rate benefit ME? Seems like home seller breaks even, not netting any major profits 🤔
The only real benefit to you is being able to market your home - an assumable rate is very attractive to many buyers that know they cannot get that rate in the current market. Good question!
I was in the market and going thru the process this summer. It just wasn't right. Then the lender tried to encourage me to buy as a first time buyer. That i could refinance but i didnt have $3k to pay per month. It just doesnt make sense to buy now.
@trayrite4040 Thanks for watching! You can get prepared as things change. Avoid Costly Mistakes by Buying My First Time Homebuyer Masterclass and Digital Confidently Closed Handbook - bit.ly/47s4pT7
@romonesamuel-fj1px Thanks for watching! Avoid Costly Mistakes by Buying My First Time Homebuyer Masterclass and Digital Confidently Closed Handbook - bit.ly/47s4pT7
Iam on disability my credit is good but with home's so expensive I can't find anything even been trying to find something over 100 miles away it's so disappointing I pay 1280 a month for rent and I don't want to renew my lease
For the first time I have to say this video is nonsense. I HATE when people say move in with your family. Increase your income. Tf? We can’t all move in with family and of course increasing income is ideal. How about being honest and saying buying a house is not in the cards for most people PERIOD. Stop selling a fantasy of home ownership. That ship has sailed. This content is done.
She was just giving out suggestions, We all know everyone can’t move back with family, Why you sound so bitter? Who hurt you? Her content is very helpful if you don’t like it don’t watch. Your comment is nonsense
I Watch all of her videos and they are all helpful but this one is just to make content. There is no advice to be given here. If move back home with your parents and make more money is the advice then there was no video to be made. I’m not bitter I just know it takes more than God and a prayer to buy a home. People in here prayin for a house. Really? And if you don’t like my comment take your own advice and don’t read it. Simple.
Thanks for watching and supporting my channel. Here is my though process of telling people to move home, if possible, instead of continuing to pay high rent, it is a high possibility that prices and rates may stay higher for longer...if you your income does not increase you will have to reduce your expenses and housing, regardless if you are renting or not is your largest expense. This reduction of expenses will allow you to save and pay off debt and put you in a better financial position in the future.
I fully agree that would be beneficial. My issue is that most of us don’t have that option. I see it as telling someone with aspirations to be in the NBA to just be taller. Of course that would be great in theory but if it isn’t possible then it isn’t helpful. Also, I fully appreciate your content. Admittedly, maybe I am a little bitter that I went to college and got myself a 6 figure career and still can’t afford a home. Frankly it pisses me off. But I do appreciate your content and it is always helpful so thank you. I watched this video right after a meeting with my realtor and I should’ve waited a while before commenting. 😣.
Higher credit scores will get you the best rates, anything over about 740+ are likely getting the best rates. But the rates being quotes now are the average.
As a single mother I make just under the median income for my parish in Louisiana like a 2person income and thankful for that. I plan to save $60k or more, use down payment assistance, and use NACA ( all ducks are in a row & credit 800). I plan to make my move end of 2024 or beginning of 2025 for new construction. Praying all goes well & bank rates will be somewhat better bc I plan to buydown my rate as low as possible for my forever home. Lol God i just need 1 house 🙏🏽❤
Look into local, smaller banks that may have a buyer's advantage (in FL, may be called something else where you are). You may qualify based on the home location, minority percentage, or income.
I appreciate your page and support , you really are heaven sent . I’m keep faith and getting my money ready when the time comes and I hope to continue to keep seeing you in the future to keep me informed . Thank you
This video is a complete 180 from what you have said before. I remember when you said it was better to buy now rather than wait. Your reasoning was that home prices would go up and would you rather pay rent with no return. I also remember the video you made with the group of real estate agents when y'all were discussing the market. Those same women were laughing when they were telling stories of individuals who wanted homes for a fair price. They were like if you wanted a home you would have to overpay. You hedged your bet on this video though. You broke it down into three types of potential buyers, smart. In MY opinion it's a bad time to buy unless you come across a fair deal. Home prices and interest rates are at all time highs.
I am sure I never told anyone to buy a house they couldn't afford. I am pretty consistent with saying that overtime you will be ok, because real estate will appreciate. Affordability is always key to the buying decision. Thanks for watching and being a longtime viewer.
@elg281 Thanks for watching! Avoid Costly Mistakes by Buying My First Time Homebuyer Masterclass and Digital Confidently Closed Handbook - bit.ly/47s4pT7
Strange I’m all 3. I can afford a house but not the house I need. First time home buyer but large family of 7 and what we can afford doesn’t meet our needs and that’s the challenging part.
Your advice is very much appreciated. Step-by-step process of home buying. Your look is practical also. What hair are you wearing, and where can I buy it?
I'm a single woman who wants to be in a home in early 2024 before my lease is up after 11 years of apartment living. Every time I listen to news like this about the housing market it's easy to get so discouraged and say things like "I'll never get a house." But instead I will be intentional and say "Nothing is impossible with God."
Keep on trusting and have faith. I rented for 12 years and moved 5 times, when I think about how much money I wasted it makes me feel sick to my stomach. Save your money, keep your debt no to low debt. No late payments, don’t buy nothing major. It’s feasible if you trust in GOD. Don’t listen to a lot of these tubers they will keep you feeling hopeless. This is the best one I only listen to. Hold your head up and know it’s your time!!!
Amen, sis!
Same here i owned a home and sold it in 2020 and now i'm waiting for these prices to go back to normal before Covid....
amen
Look into USDA two loans( direct is one and the other is called guaranteed), If you have a very healthy amount of patience the NACA program. These are the best programs despite interest rates. Hope this helps you. 🙏🏾
In 1971, the interest rate for a mortgage was 7.33%. If you waited for interest rates to go gown, you wouldn't have purchased a home until 1993. You would have rented for 22 years waiting for rates to go down, meanwhile the value of real estate quadrupled. Don't wait to buy real estate. Buy real estate and wait.
Marry the house, date the rate.
I told my kids we won’t suffer even if we have to live together in one house. We all own a home, but if one fall we stay together.
Hey Shaheedah! I’m in group three. I took your advice and looked for a home outside of my target community (20mins out). Saw a home with multiple acreage that had been on the market for 20 days. Home is newly renovated. The seller had already reduced the listing price by $24k. I put in an offer. And mine was the only one on the home. I’m under contract and hoping to close next week. The home price is less than what my target community was offering. Plus, I get land with this purchase.
Wow. Congratulations on your new home. Your situation sounds great.
Congratulations! I am so happy for you!!
Congratulations.. My husband and I experienced the same got more land and house was recently renovated plus was appraised way more than what we got it for we had some VERY STRESSFUL moments but we are set to close on next week! 🙌🏾 Best Wishes to you
Awesome, congratulations and thanks for sharing.
Congrats!!!
I've been looking at houses on and off since 2018. I've saved and plan on putting around 85k on a down payment for a house. For YEARS people have been telling me, "Now is not the time to buy a house." It feels like it's NEVER a good time to biy a house. I'm just gonna do me.
I’m in the reducing expenses phase. I moved to a much cheaper apt and doing my best not to accumulate any more debt
Great plan!!
Thank you.I just recently brought a home, I was very blessed to get a decent interest rate and walked in with 26k in equity. House appraised higher than purchase price. I plan on staying in my home for a very long time, it also helps with more than one income. Good luck to anyone who is in the market.
Amen!! Wish i had someone on the same page but i'll be alright..
Great job!
@@regrich8795 keep the faith. Trusting GOD timing
@@ShaheedahHill thank you
I bought a condo 3mths ago outside of my state and I have a commute under and hour, but I stay with my parents the majority of the week and then go to my place. I feel this was the best decision as a single female. The place needs updating, but I'm making repairs slowly and I plan to be there for a long time. I have to go back and forth with the HOA sometimes, however I still feel it was the best decision.
Congratulations
Congrats 🎉
Love this, you will do great. Thanks for sharing and for watching.
Please do you mind sharing the issues with the HOA
@@sayo6037 Therr is a problem with the gutter above my unit that needs to be approved and fixed, they changed the heating system and some of our units aren't getting heat. So sometimes the HOA are slow to move. You are responsible for the inside of your unit and they're responsible for the outside.
I'm definitely in the first group since 2021. It's a challenge, at times, especially since I'm making the best salary of my career but its still not enough to buy or comfortably rent (living with fam). I'm trying to hold strong that my day will come. Thank you for your videos because I feel like I know waaaay more now and better equipped than when I was on the market.
Your time will come. Faith!!!!
You will get there, keep saving and preparing. Thank you for watching.
Learn about dept to income ratio. Consolidate 3 credit cards to 1, so your minimum payment isn’t x 3. For example min payment is $50 on all 3. $150 a month dept! 1 credit card would be one payment of $65. Reducing your dept to income ration to afford more house. And pay your credit card on time! That will increase you credit score!
I’m in group 3. Signed contract on new home this June. Increased my income by 20%, slowly building my credit score until I close, plan to buy down rate and do a 2-1 buy-down. Prices came down slightly this past summer. Fingers crossed!
Congratulations!
I would like to continue staying in the apartment for $1740 rather than paying $4500 monthly payments for a house in Phoenix metropolitan area.
I'm in group 2 and I'm terrified to even start the process right now. 😂 Times are crazy.
Shaheeda! You are thee best! Thank you for sharing your wisdom!
Thanks for watching!
Cant qualify for 2k mortgage but rental we qualify. Make it make sense lol
You qualify to rent because the landlord need a renter to pay off his mortgage.
@@candelariaw1668 Truth
Im so glad we pulled the trigger and got our one bed condo last june. Though we will be probably having a 14k condo repair assessment. It is somewhat worth it at the end of the day. Lowest rent in dowtown miami nearby hospital is around 1800 for one bed to 2400 plus you have to pay for monthly parking. In our condo 15 mins. Walking to metro rail nearby shopping mall and around gated neighborhood we paid 1500 including HOA. Only with a big BUT most condo nowadays doesnt have a reserve so expect to save extra cash for repair assessments .
Congrats!!
Wish I was watching your videos for years before buyIng!! Gosh. But the home(2 family) I’m closing on now is just my first buy and I don’t plan on marrying and having children there. I am in group 3, I was tired of renting and wish I bought my first home 2-3 year ago because I could have financial wise, I was just here thinking I should be waiting for marriage 😂🤦🏾♀️ (terrible mind set). So I’m glad I have so much knowledge now for when I’m buying my family home and who knows, maybe for extra source of income/investment ❤
Thanks for watching!
Ms. Shaheeda…You BLESSED Me Yet AGAIN✝️🛐🙏🏽🥰
Thanks for the awesome video! Very informative.
My pleasure!
Thank you for the information, I’ve been looking, going out with a realtor and I feel so blessed🙏🏽 I’ve bid on houses and the sellers have selected another buyer. You confirmed all the thoughts in my head. I truly don’t need the stress that would have come with a purchase.
Stress can be blessed, don’t trust what you see faith is unseen.
Yes, no stress. Thanks for watching.
Thank you for sharing your knowledge.
My husband and I want to buy a home, but we are 67 years old retirees, and everyone is saying that it's too late for me to buy a house now.
I don't want to keep paying rent. I want my house regardless of my year. 😮 what should we do? A house or a condo?
I was 60 when I brought my home. You’re never too old to buy. Stop listening to other folks.
Don't listen to negative people, buy your house when you are ready. Age is a number
I home without an HOA. The HOA is a variable you don’t need.
you might also want to keep an eye on the price per sq feet in the area you are interested so that you don't end up paying more than what your neighbors did.
@profitpurpose Thank you for watching
Nope!! You better get it now! You have desperate sellers, motivated sellers! Find you a mortgage that is comparable to your rent within a couple hundred dollars. When it crashes, you aren’t getting nothing for a loooooooong time!
Seize the day ! Tear off the band-aid and move forward!
Your videos never miss! Love watching! ❤
@AFColors47 Thank you for watching
Thanks for all of the helpful information.
Glad it was helpful, thanks for watching.
I'm a new subscriber...I so appreciate your content and your clients will be SO lucky to have you. Because you dont just sell homes you educate your clients on how to be financially literate in home buying and they can pass on those skills to the next generation. Do you do home buying for investors vs home owners?
I mostly focus on buying a personal residence. Here are a few videos I've done on investing: ua-cam.com/video/-s_bMMukIOk/v-deo.html
ua-cam.com/video/pNGzW-trT84/v-deo.html
Thanks for this. Right on time.
Thanks for watching
Honest opinion. Thank you!
Your videos are always informative! I love it
Florida has plenty of new cheaply made new homes.
I didn’t wait. I got my hands on a two unit in the Bronx. Locked in my rates at 6.2, I closed in September. Now I’m just trying to get ahead two months on the mortgage & figure out my next move. Might be impossible to grab another multiple family before my single family home.my next move is Depending on the market in 4-5yrs
Sounds awesome! Good job😊
I moved from one side of the country to another to save money and be able to buy a home. Gratefully there are houses in my new area that are still under $300K and there’s a great grant program that would allow me to buy a home at 4%! Prayerfully, I will be in my home by the end of next year.
Faith!!!!
That's awesome i did the same thing solo it's a great experience...
Which state ?
Awesome, enjoy the adventure. Thanks for watching.
@@DanybellaI live in Virginia now
Doing all of the above right now. This economy is definitely not for the weak 😅
Thank you for watching.
Never wait. It’s the only appreciating debt ever.
This whole thing is not sustainable. There’s no way that these prices are going to hold. I don’t think a crash is going to happen but there’s going to be a correction for sure. It comes in cycles if you look at the history of the housing market at always comes in 8 to 10 year cycles. We’re already in the eight year Since the market started climbing up since 2015 actually almost approaching the 90 year it doesn’t just keep climbing. We are already seeing homes coming down significantly in the Vegas area. Most people cannot even afford them even with our credit rating which is about 760. We were told yesterday that our interest-rate would be about 8.63%.
❤❤❤Great Advice❤❤❤
Thanks for watching!
As a homeowner how would me allowing someone to ‘assume’ my home at my lower interest rate benefit ME? Seems like home seller breaks even, not netting any major profits 🤔
The only real benefit to you is being able to market your home - an assumable rate is very attractive to many buyers that know they cannot get that rate in the current market. Good question!
I was in the market and going thru the process this summer. It just wasn't right. Then the lender tried to encourage me to buy as a first time buyer. That i could refinance but i didnt have $3k to pay per month. It just doesnt make sense to buy now.
@trayrite4040 Thanks for watching! You can get prepared as things change.
Avoid Costly Mistakes by Buying My First Time Homebuyer Masterclass and Digital Confidently Closed Handbook - bit.ly/47s4pT7
Thank you for the info beautiful
@romonesamuel-fj1px Thanks for watching!
Avoid Costly Mistakes by Buying My First Time Homebuyer Masterclass and Digital Confidently Closed Handbook - bit.ly/47s4pT7
Iam on disability my credit is good but with home's so expensive I can't find anything even been trying to find something over 100 miles away it's so disappointing I pay 1280 a month for rent and I don't want to renew my lease
I am not sure where you live but see if USDA direct may work for you. ua-cam.com/video/tifb3Euv3Vg/v-deo.html
Gonna have to find a mobile home for around 80k with that income
Sadly in group 2 😢
Buy a 2 unit or more. You’ll at least have a chance!!!
@ericborders7074 Thanks for watching and sharing
Hi Shaheeda , can I use a USDA Loan and a Down payment assistance program on the same house , with same lender . Thank you in advance
If that lender participates in down payment assistance programs, yes
@@ShaheedahHill thank you sis , idk where I would be without your real estate info
EIGHT PERCENT INTEREST RATES… 🚪🚶🏾♀️
Had been worse decades earlier. My parents were paying 15% during the whole Regan era.
@@CityCinderella houses weren't overpriced like today , that's why.
@@CityCinderellathats a terrible comparison. Home prices in proportion to income back then is totally different with what they are today.
Agreed, there is not a comparison. Our wages and home prices are not in line, so it is not apples to apples.
💎💎💎
❤
For the first time I have to say this video is nonsense. I HATE when people say move in with your family. Increase your income. Tf? We can’t all move in with family and of course increasing income is ideal. How about being honest and saying buying a house is not in the cards for most people PERIOD. Stop selling a fantasy of home ownership. That ship has sailed. This content is done.
She was just giving out suggestions, We all know everyone can’t move back with family, Why you sound so bitter? Who hurt you? Her content is very helpful if you don’t like it don’t watch. Your comment is nonsense
I Watch all of her videos and they are all helpful but this one is just to make content. There is no advice to be given here. If move back home with your parents and make more money is the advice then there was no video to be made. I’m not bitter I just know it takes more than God and a prayer to buy a home. People in here prayin for a house. Really? And if you don’t like my comment take your own advice and don’t read it. Simple.
Thank you 💖
Thanks for watching and supporting my channel. Here is my though process of telling people to move home, if possible, instead of continuing to pay high rent, it is a high possibility that prices and rates may stay higher for longer...if you your income does not increase you will have to reduce your expenses and housing, regardless if you are renting or not is your largest expense. This reduction of expenses will allow you to save and pay off debt and put you in a better financial position in the future.
I fully agree that would be beneficial. My issue is that most of us don’t have that option. I see it as telling someone with aspirations to be in the NBA to just be taller. Of course that would be great in theory but if it isn’t possible then it isn’t helpful. Also, I fully appreciate your content. Admittedly, maybe I am a little bitter that I went to college and got myself a 6 figure career and still can’t afford a home. Frankly it pisses me off. But I do appreciate your content and it is always helpful so thank you. I watched this video right after a meeting with my realtor and I should’ve waited a while before commenting. 😣.
Enjoy your teaching style, all things to the point. Great content.
I appreciate that!
Very informative video as always. Please let me know why high credit score beneficial? Interest rate still 7-8% with excellent score.
I believe rate goes up for low credit score..so about 9%
Higher credit scores will get you the best rates, anything over about 740+ are likely getting the best rates. But the rates being quotes now are the average.
As a single mother I make just under the median income for my parish in Louisiana like a 2person income and thankful for that. I plan to save $60k or more, use down payment assistance, and use NACA ( all ducks are in a row & credit 800). I plan to make my move end of 2024 or beginning of 2025 for new construction. Praying all goes well & bank rates will be somewhat better bc I plan to buydown my rate as low as possible for my forever home. Lol God i just need 1 house 🙏🏽❤
Look into local, smaller banks that may have a buyer's advantage (in FL, may be called something else where you are). You may qualify based on the home location, minority percentage, or income.
Great video coverage Queen 👑 thank you for the information
You are so welcome
Bless you! Thank you for all of your information and insight that's researched and backed-up. That's so influentially toxic in the best way!
Thanks for watching!
The interest rates don't bother me. It's the high home prices that's the problem.
Well prices over time are more likely to go up than down, so plan accordingly. @user-mm7wd7fd8z Thank you for watching
I appreciate your page and support , you really are heaven sent . I’m keep faith and getting my money ready when the time comes and I hope to continue to keep seeing you in the future to keep me informed . Thank you
You are so welcome, thank you for watching and supporting my channel.
❤
Thank you!!
Thats is awesome! Congratulations.
This video is a complete 180 from what you have said before. I remember when you said it was better to buy now rather than wait. Your reasoning was that home prices would go up and would you rather pay rent with no return. I also remember the video you made with the group of real estate agents when y'all were discussing the market. Those same women were laughing when they were telling stories of individuals who wanted homes for a fair price. They were like if you wanted a home you would have to overpay. You hedged your bet on this video though. You broke it down into three types of potential buyers, smart. In MY opinion it's a bad time to buy unless you come across a fair deal. Home prices and interest rates are at all time highs.
I am sure I never told anyone to buy a house they couldn't afford. I am pretty consistent with saying that overtime you will be ok, because real estate will appreciate. Affordability is always key to the buying decision. Thanks for watching and being a longtime viewer.
@@ShaheedahHill You are correct. You never told anyone to buy a house that they couldn't afford.
I am in group one. I am not at the 115000 mark yet. But this housing market makes me afraid because it seems to be so far out of reach to buy a home.
👑❤️
@elg281 Thanks for watching!
Avoid Costly Mistakes by Buying My First Time Homebuyer Masterclass and Digital Confidently Closed Handbook - bit.ly/47s4pT7
Thanks, Shaheeda.Love your hair.
Thank you!
Strange I’m all 3. I can afford a house but not the house I need. First time home buyer but large family of 7 and what we can afford doesn’t meet our needs and that’s the challenging part.
if you haven't put it together yet, who you vote for has a huge effect on your future.
@captretired159 Thank you for watching
Thank you! This is wisdom!
You are so welcome
Can you, or have you done a video on the decrease in credit score after getting a home loan and what to expect. 6:33
No, but the impact is typically minimal and should rebound, if it falls at all, relatively quickly.
@@ShaheedahHill Thanks, your the best
I actually need to refinance my home and I can’t do that because the rates are so high. 😩 My house is at a 3% interest rate
Hold on and don't do it. Why do you need to refi?
@@ShaheedahHill because I need to get on a fixed mortgage instead of an adjustable one… my mortgage going up every 2 years is killing me…
Your advice is very much appreciated. Step-by-step process of home buying. Your look is practical also. What hair are you wearing, and where can I buy it?
😂Thanks for watching, its my hair.
Thank you for responding
Tf! @@ShaheedahHill