Thank you Didarbhai 🙏

Thank you 🙏

Thank you 🙏

Thank you Parul Ben 🙏

Thank you Dakshaben 🙏

🙏

Thank you so much 🙏

Thank you 🙏

Thank you 🙏

અમેરિકામાં ગુજરાતીઓ આપને દરેક સ્ટેટ માં જોવા મળશે. વધુ ગુજરાતીઓ ન્યુ જર્સી, ન્યુ યોર્ક, એટલાન્ટા, ફ્લોરિડા, શિકાગો, કેલિફોર્નિયા, ટેક્સાસ, બોસ્ટન વગેરે જગ્યાએ જોવા મળશે.

જય શ્રી કૃષ્ણ સીમા બેન 🙏

આપના ફિડબેક બદલ આભાર 🙏 ઘર ત્યારેજ લેવું જ્યારે તમે ઘર લેવા માટે સંપૂર્ણ રીતે તૈયાર હોવ. ગ્રીન કાર્ડ મળે પછી કે પહેલાં ઘર લેવું તે આપ પરિવાર જોડે બેસીને નક્કી કરી શકો છો. અમેરિકા માં મોટા ભાગના ઘરો લાકડાં ના બનેલા હોય છે એટલે તે બાબતે બહુ ચિંતા ના કરવી. ઘર લેતા પહેલાં પ્રોપર inspection કરાવવું. ઘરનો પાયો મજબૂત હોય તે જરૂરી છે. નિરવ ભાઈ જેવા કોઈ સારા realator ની મદદ લઇ શકો છો. પ્રોપર્ટી ટેક્સ વખત જતા વધ્યાજ કરવાનો છે. Mortgage interest rates ભવિષ્ય માં ઉપર પણ જાય અથવા નીચે પણ જાય. જ્યારે તમે financially રેડી થઈ જાવ ત્યારે ઘર લેવું. સમય મળે ત્યારે Open Houses માં માહિતી મેળવવાના માટે જતા રહેવું. શુભેચ્છાઓ 🙏

Hello Prakash. Thank you for your compliments 🙏. All credit goes to Nirav for his inputs and all the information he provided in this video. Waiting for 2 years may not be the right option for everyone. We can’t predict what’s going to happen tomorrow. One should buy home when that person is ready to buy. That’s just my thought.

Thank you 🙏

Thank you 🙏

Glad it was helpful to you. Thank you for your wonderful feedback 🙏

Thank you 🙏

I am glad that was helpful. Thanks to Nirav Bhai for providing valuable information.

Thank you Sirji 🙏. Yes home inspection is a very crucial step in home buying process 👍

Thank you for sharing your thoughts and inputs Tulan Bhai. Appreciate.

Thank You

Disability ના બેનિફિટ જણાવશો કેલિોર્નિયાના

​@@NiravDhamsaniaમેહરબાની કરી ને અપંગતા ના લાભ કેલિોર્નિયાના જણાવશો

Rakeshbhai there are several tax benefits available to first-time homebuyers. These benefits can help to make homeownership more affordable by reducing the amount of taxes you owe. Federal tax benefits Mortgage interest deduction: You can deduct the interest you pay on your mortgage up to $750,000 of debt ($375,000 if you are filing separately) from your taxable income. This deduction can save you hundreds or even thousands of dollars in taxes each year. Mortgage credit certificate (MCC): The MCC is a refundable tax credit that is available to first-time homebuyers with low and moderate incomes. The credit can be worth up to $2,000 per year and can reduce your tax liability dollar for dollar. Penalty-free IRA withdrawals: First-time homebuyers can withdraw up to $10,000 from their traditional or Roth IRA without having to pay a 10% early withdrawal penalty. This can be a valuable source of funds for a down payment or other closing costs. State and local tax benefits In addition to the federal tax benefits, many states and localities also offer tax incentives for first-time homebuyers. These incentives can vary widely from state to state, but they may include: Property tax deductions: You can deduct the property taxes you pay on your home from your taxable income. The amount of the deduction is limited to $10,000 per year. State and local first-time homebuyer credits: Many states offer tax credits to first-time homebuyers. The amount of the credit varies from state to state, but it is typically a percentage of the purchase price of the home. Down payment assistance programs: Some states and localities offer down payment assistance programs that can help first-time homebuyers afford a down payment on their home. These programs may offer grants, loans, or other forms of assistance. How to claim these benefits To claim these tax benefits, you will need to itemize your deductions on your federal income tax return. You can also claim the state and local tax benefits on your state and local income tax returns. You have to consult with a tax advisor to determine which tax benefits you are eligible for and how to claim them. Best wishes.

Thanks

Radon +. Termite issue very important. If. Radon +. Termite house. Do not buy. Do not buy termite and radon home ..?

Can we buy. Termite infected. House 🏡?????

A USDA loan is a government-backed mortgage program administered by the U.S. Department of Agriculture (USDA) through its Rural Development branch. It's designed to make homeownership more affordable for low- and moderate-income households in eligible rural areas. Here are some key features of USDA loans: Zero-down payment option: This is a major draw for many potential borrowers, as it allows you to purchase a home without having to come up with a down payment. However, you may still need to pay closing costs. Lower interest rates: USDA loans typically offer lower interest rates than conventional mortgages, making them even more affordable. Income restrictions: To qualify for a USDA loan, your household income must fall within certain limits. These limits vary depending on the location of the property and the number of people in your household. Eligible areas: Not all rural areas qualify for USDA loans. You can use the USDA's eligibility map to see if the property you're interested in is located in an eligible area. Types of loans: There are two main types of USDA loans: Guaranteed Loan Program: This is the most common type of USDA loan. Under this program, the USDA guarantees a portion of the loan to the lender, making it more likely that they will approve you for a loan even if you have a lower credit score or smaller down payment. Direct Loan Program: This program is for very low-income borrowers who cannot qualify for a traditional mortgage. The USDA makes the loan directly to the borrower. Here are some resources where you can learn more about USDA loans: USDA Rural Development website: www.rd.usda.gov/ USDA Eligibility map: eligibility.sc.egov.usda.gov/ NerdWallet: www.nerdwallet.com/article/mortgages/usda-loan

મને નથી લાગતું કે ઘરના ભાવ ચૂંટણી પછી ઘટશે સીમાબેન.

@@JagyaTyarthiBhagya COVID પછી પ્રોપર્ટી ના ખુબજ ભાવ વધી ગયા છે

Hello Dharmeshbhai. New Jersey is very beautiful State and I call it Gujarat of America. Thank you for sharing rent current rent price. Through my videos I try to share my experiences in USA. હું અમેરિકા જેવું છે તેવું જ બતાવું છું. અમેરિકા માં કેટલો ખર્ચો થાય? અમેરિકા માં શું સારું નથી તેવા વિષયો પર પણ વીડિયો બનાવ્યા છે. ભારત અને અમેરિકા બંને સારા દેશો છે. તમારો પરિવાર જ્યાં હોય અને જ્યાં મજા આવે ત્યાં રહેવાય 👍

Please try to connect with local Realtor in New Jersey. They will be able to guide you properly.

@@JagyaTyarthiBhagya ok

Appreciate

આપનો ખૂબ ખૂબ આભાર 🙏

Thank you 🙏

ખુબ સરસ ઇન્ફર્મેશન

મને પણ અમેરિકા ના વિઝા મળ્યા છે તો હું પણ આવવા નો શું

I think agent has best interest representing their clients. Most agents focus on providing valued service to their clients rather then on commissions. They should be paid fair for their services. No seller is going to sell less than market price and no buyer is going to buy if the price of property is beyond their budget. The best way to negotiate is through your agent unless the property is FSBO and you don’t have any agent. FSBO = FOR SALE BY OWNER. Most FSBO properties don’t have realtor representing them.

@@JagyaTyarthiBhagya I definitely agree with your reply. It depends on what side of the process I am on, if I am a seller's agent in the process my job will be to get the most for my client, and same if I am on the buyer side of the process my job will be to get the best for my buyer client. Most buyer and seller always focus on the selling price, but there is a lot more involved in the process besides money. A lot of time it is the closing time frame for the buyers and sellers as well. For example seller might even accept a lower seller price offer if one of the buyer is agreeing to their terms of closing early or even closing later if the seller needs time to find a house themselves to move into. So it is not just the money that is involved in the process.

આભાર કૌશિક ભાઇ 🙏 ઇસલીન ની માહિતી તો તમને કોઈ લોકલ વ્યક્તિ જ આપી શકશે. શુભેચ્છાઓ.

Hi

Hi

હા ધ્રુવ ભાઇ . Don’t forget to congratulate me 😊

Hello Kinjal These are all bank loan related questions I will answer your question to my personal knowledge and not as professional advice. It is best to take a loan officer for a specific loan question. 1) Origination point: Are fees charged by a bank to cover fees and cost for processing the loan. Sometimes it covers costs like appraisal costs, underwriting etc. Each bank will have different fees structure on what is part of this fees and what is not. This Changes from bank to bank and even based on what loan program you qualify for depending on your income, credit, debit, credit score, etc. 2) Estimated Prepaid: These are funds collected by the bank and placed in escrow to cover for the next year's payment of each individual expense. Items covered under this can be home insurance, town property tax, flood insurance, etc. The amount required for prepaid will be based on the final house selling price and borrowed amount. Most times a buyer will get these final numbers a few days before closing. Buyer can get an idea of what the estimated pre paid amount will be but that changes from house to house, so the final number will be provided by the bank to the buyer a few days before closing. 3)PMI, MIP, funding fees : This is very specific to what loan program a buyer qualified for. Some are optional, and some are mandatory from the bank depending on what loan program the buyer is getting. The best thing is to apply for a home loan first and then find out what the buyer qualifies for and then go from there. A lot of this might not even apply to all buyers. Once you have applied for the loan and got the pre approval letter ask more specific questions to your loan officer to get the best professional advice on the loan program.

Thank you Nirav 🙏

Levu Joie

It will depends if you are purchasing for primary resident property (One you will be purchasing for yourself to live in)or for investment (One you will be purchasing to rent to others or fix and sell, and you will not be living there fulltime). If purchasing with all cash the bank aspect of the process are eliminated from the process and can speed up the process and gives a lot of flexibility to the buyers. In a all cash purchase a proof of funds is required before starting the house search process.

Thanks for letting me know

Nirav’s WhatsApp number is in the description 👍

Thank you 🙏

Thank you 🙏