First-Time Homebuyers: The Critical First Two Steps

Рет қаралды 11,229

Күн бұрын

⭐Have mortgage questions? Pick a time that works best for you here
calendly.com/jennifer-beeston
⭐Ready to get preapproved?
www.zerostressmortgage.com
Text me after you fill out with your name 707-478-0637 so I can alert team
⭐ Call Me: My cell phone is 707-478-0637 I am happy to help. Let’s get you home!:)
⭐My Google Reviews: tinyurl.com/jenniferbeestonre...
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Timestamps:
0:00 Before the Real Estate Agent
0:30 Step 1. Create a Budget!
3:44 Link to Calendar in Description
4:20 Step 2. Fill Out the Application
5:17 Max-Qualifying and Bankruptcy
6:15 Come In with a Game Plan!
6:45 Lenders are Shy
7:25 Recap: What You Need to Do
8:15 When to Move Forward
8:30 House-Shopping !!
9:19 Questions, Comments, Reach Out!
Licensing info: Jennifer Beeston, SVP Mortgage Lending NMLS 247743 at Guaranteed Rate, Inc. NMLS 2611 Branch Address: 1750 N University Drive, Coral Springs, Florida, 33071 Equal Housing Lender
For licensing, go to www.nmlsconsumeraccess.org
Top 1% in the nation 2016-2022 www.zerostressmortgage.com
NMLS 247743 Guaranteed Rate NMLS 2611
To access Guaranteed Rate:
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My State License Numbers:
AK - AK247743, AL - 72998, AR - Licensed, AZ - 1007541, CA - CA-DOC247743, CO - 100516570, CT - LO-247743, DC - MLO247743, DE - MLO-247743, FL - LO66900, GA - 70357, HI - HI-247743, IA - 33839, ID - MLO-2080247743, IL - 031.0054184, IN - 41478, KS - LO.0039219, KY - MC717200, LA - Licensed, MA - MLO247743, ME - Licensed, MI - 247743, MN - MN-MLO-247743, MO - MO-247743, MS-247743, MT - 247743, NC - I-189119, ND - NDMLO247743, NH - Licensed, NM - Licensed, NV - 66544, NY - Licensed, OH - MLO-OH.247743, OK - MLO20600, OR - 247743, PA-247743, SC - MLO - 247743, SD - MLO.08498, TN - 205478, TX - Licensed, VA - MLO-40552VA, VT - VT247743, WA - MLO-247743, WI - 247743, WV - LO-247743, WY - 8203
Applicant subject to credit and underwriting approval. Not all applicants will be approved for financing. Receipt of application does not represent an approval for financing or interest rate guarantee. Restrictions may apply, contact Guaranteed Rate for current rates and for more information. All information provided in this publication is for informational and educational purposes only, and in no way is any of the content contained herein to be construed as financial, investment, or legal advice or instruction. Guaranteed Rate, Inc. does not guarantee the quality, accuracy, completeness or timelines of the information in this publication. While efforts are made to verify the information provided, the information should not be assumed to be error free. Some information in the publication may have been provided by third parties and has not necessarily been verified by Guaranteed Rate, Inc. Guaranteed Rate, Inc. its affiliates and subsidiaries do not assume any liability for the information contained herein, be it direct, indirect, consequential, special, or exemplary, or other damages whatsoever and howsoever caused, arising out of or in connection with the use of this publication or in reliance on the information, including any personal or pecuniary loss, whether the action is in contract, tort (including negligence) or other tortious action. Guaranteed Rate, Inc. is a private corporation organized under the laws of the State of Delaware. It has no affiliation with the US Department of Housing and Urban Development, the US Department of Veterans Affairs, the US Department of Agriculture or any other government agency.
#budgeting #firsttimehomebuyer #preapproval #mortgagelender #mortgagetips

Пікірлер: 32

@toniceeden1773 3 ай бұрын

This makes so much sense!!!!

@moonmcbiscuit7773 4 ай бұрын

Can a family member sell you a house at any price or does it have to be bought at market value?

@JacksonianT 4 ай бұрын

@JenniferBeeston 4 ай бұрын

They can sell it below market to you if they want to. Key is if they have a loan that has to be paid off and anything above that is up to you.

@lupitagamaya0824 Ай бұрын

Thank you for being brutally honest❤

@Chris-Chen71 4 ай бұрын

Jennifer! Long time subscriber and have msg’d you a few times. Thank you for always getting back to me. LOVE your content. VA Loan… how long do I need to have at my job to apply for a VA Loan? Looked at my old loan paperwork for my home I bought in 2021 and was told at that time I was working for the VA for less than 12 months at the time of the loan and could not use that income to qualify. Was told “The VA can be picky about employment less than 12 months”. Wondering if that was true back in 2021 or not?? Thank you SOOOOOO much!!

@JenniferBeeston 4 ай бұрын

It depends on your prior job gap history and length of time at new job. There is no one size fits all answer on this as it is depends on your unique work history

@firesign4297 3 ай бұрын

Such an AMAZING ! Channel ... Thank You Just Subbed.

@JenniferBeeston 3 ай бұрын

Welcome aboard! :)

@mychocochip Күн бұрын

Can I get help looking at LE during the free call?

@JenniferBeeston Күн бұрын

Yes

@chelseajones3064 4 ай бұрын

Hi Jennifer! Could you explain conforming loan limit to a newbie? Thanks so much!

@JenniferBeeston 3 ай бұрын

Check this out:) kzfaq.info/get/bejne/gLx0n7mXl76ZfX0.html

@shadeaquaticbreeder2914 Ай бұрын

If you are hourly and never work less than 40hrs/wk and are just running numbers off of 40hr/wk pay then would you ever max qualify someone for what they could get based on that base 40hr/wk "salary" knowing they always work overtime or still no/ it doesn't work like that? I have no clue how the finance part works as I am alone and my pay has been inconsistent but always going up.

@JenniferBeeston Ай бұрын

If you’ve been at the same job for two years, I can actually use your overtime. If I can’t use the overtime and the buyer wanted to max qualify, I would be fine doing it knowing there is overtime. However, something to always keep in mind, is that what we saw in 2009,2010 and 11 was that when the economy crashes overtime goes away. So if you can qualify with just your base income, that’s always the way to go however with some jobs overtime like 50% of the pay and not going to go away even a recession.

@shadeaquaticbreeder2914 4 ай бұрын

My buggest question is can i even afford a house/mortgage. Like is 45k/yr enough to get a house even if you don't have debts? Like anything bc idc what it is I just need my own place so I can actually start doing stuff. Like is 150k reasonable given theres nothing crazy as far as flood/tornado insurance or anything like that bc everything around me is relatively cheap comparatively but idk if I just have to make a lot more to be able to get a house or if I can where im at now bc I can't keep doing this for much longer if theres no prospect of ever having my own stuff

@alexisgane2026 4 ай бұрын

It’s possible yes! If your credit is over 740 you might qualify for 200k. With not much debt. But that makes your payment over 2k a month!

@shadeaquaticbreeder2914 4 ай бұрын

@@alexisgane2026 oh dang that's crazy. And thank you a lot, this info definitely helps. At first I thot I had to make like 10k/month to be able to get anything by myself

@TMKJG24 4 ай бұрын

Might as well say you need that amount. I'm bringing in half of that. It all depends on where you want to live.

@RyanakaRyan 4 ай бұрын

Would 6 month to a year out be to far out to make an appt on the calendar?

@NativeNewYorkCityGir 4 ай бұрын

You can get on the calendar even if you can’t buy for several years.

@JenniferBeeston 4 ай бұрын

@nativenewyorkcitygir nailed it. We are happy to chats months and years in advance

@hazellee5373 4 ай бұрын

Hey Jenn. I’m living in NY but interested in buying a house in New Jersey. Can I get pre-approved with your service? thanks.

@JenniferBeeston 4 ай бұрын

Yes of course:) App is at www.zerostressmortgage.com

@johnhipp604 3 ай бұрын

guess what I did that was sweet

@those3 4 ай бұрын

✔️👍🏾💯

@lionheartmerrill1069 3 ай бұрын

😁😁😁

@StalinTheMan0fSteel 3 ай бұрын

She looks like Brooke Burns!

@russlea6383 4 ай бұрын

Is your new backyard Muppet approved? 🧐

@Divyv520 4 ай бұрын

Hey Jennifer , really nice video ! I was wondering if I could help you to grow your channel by providing you all the value and help which will need to grow your channel ! Please Lmk what do you think ?