I QUIT MY JOB WHILE BUYING A HOUSE | QUALIFYING FOR A MORTGAGE

Рет қаралды 7,720

Күн бұрын

Will I qualify for a mortgage if I quit my job? Once you have qualified for a mortgage or are trying to qualify for a mortgage, quitting your job is a big NO-NO! We’re sharing a personal “I quit my job” story to help others who are going through the home-buying process.
A few months before closing on our DR Horton new construction home, Vincent quit his job. Listen to our story to hear why quitting a job or starting a new one can have major consequences if you are in the mortgage process.
Please keep in mind that these are our opinions based on our personal experiences with new construction and with DR Horton. This still is just the beginning of our new home story, and we’re excited to share it with you.
Thanks for watching!
Business inquiries: vincentirving25@gmail.com
CHECK OUT OUR EMPTY HOUSE TOUR:
Empty House Tour 2021 | New Construction | DR Horton | Closing Day | Modern Craftsman House
• EMPTY HOUSE TOUR 2021 ...
WHO WE ARE:
We’re the Irvs! Thank you for subscribing to our KZfaq channel and following our Instagram @the.irvs as we share our journey with you.
If you’re totally new here, we are Vincent and Lisa. Great to meet you! We’ve been together since our teen years and married for 5 years.
We started The Irvs KZfaq channel in 2020 to share our debt-free journey and offer tips to others on the same path.
Then, we took a little (long) break LOL.
So. Many. Things. Happened.
We are ready to jump back in, and we’re so happy you’re here!
God is good. Dreams do come true.
Stay tuned!
#mortgage #dhimortgage #iquitmyjob #mortgagelender #thegreatresignation #iquit #theirvs #newconstructiontips #newhome #newhouse2022 #newconstruction #newbuild #firsttimehomebuyers #firsthome #moderncraftsman #modernfarmhouse #southernhome #drhorton #drhortonhomes #storytime #debtfree #millenialmarriage #couplegoals #blackcouples #blackfamily #blackhomeowners #blacklove #KZfaq #youtuber

Пікірлер: 44

@prayzqueen Жыл бұрын

Initially i wasn’t sure why your video showed up in my feed, based on its title and the age of the video. I was even more confused when i pressed ‘play’ and saw two faces that were young enough to be my children….no….my grandchildren! But i listened anyway. And by the time i was halfway through it, i did something highly unusual…i pressed ‘SUBSCRIBE’ and ‘SHARE’, almost simultaneously! Altho you seem to be sharing your first time home-buying experience, it’s your desire to be honest and persons of integrity that did it for me! That’s what compelled me to share! In a world that has become almost frightening to live in, with so much deception delusion and just pure evil, you were a breath of fresh air to stumble across! Oh, how i wish we were neighbors and that you were friends with my daughter and her husband ! (We are not far from the ATL Metropolitan area.). My fervent prayer is that Sovereign God (continues) to bless, keep and favor you - individually AND collectively! May His face shine upon you. May He continue to be gracious to you….and grant you peace that transcends human understanding! 💜

@Heal885 2 жыл бұрын

Your strong financial planning gave you the luxury to switch jobs during a build. Great job to both of you! That's a marriage unit right there!

@theirvs793 2 жыл бұрын

Thank you so much! Yes, our unified mindset has been such a blessing-financially and otherwise. Thank you for watching! 🙏🏽

@theycallmedolly 2 жыл бұрын

I'm a Dallas Realtor and I'm gonna piggy back on some of your content bc you couldn't have said a thing better. I am also a first time buyer building with horton express and close in a few weeks. Wow stay sweet and informative bc its even insightful to me bc I've overlooked or just didn't consider that buyers are afraid to be upfront and we can assure them earlier in the transaction that honesty helps us help them. Blessings always❤

@theirvs793 2 жыл бұрын

Thank you so much for watching, and thank you for the feedback! Yes, we were so happy to be able to experience and share this story. Blessings to you as well! 🙏🏽🙏🏽

@dj.1094 2 жыл бұрын

Your story is so helpful for us new build buyers in a similar situation (me)! I am due to close in May and i haven’t broken any rules however, my job doesn’t align with my values and i have an offer on the table I haven’t accepted yet until i have the talk with my mortgage lender. I want to be honest and i am fortunate closing is a few months out but i still want to say something before accepting the offer. Thank you for the great advice!

@theirvs793 2 жыл бұрын

Happy our story is helpful!! It’s always good to remember that your team wants you to close, so they will do whatever they can to help make sure you get to the table. Early congrats on your new home!!

@allaboutash3258 2 жыл бұрын

This puts me so much at ease! I am having a change in job and actually going to a much higher paying job prior to closing on our home and we definitely checked with our loan officer before even applying for the new job and again before accepting it as well but for some reason was still feeling nervous about it so thank you for sharing this, it helps!

@theirvs793 2 жыл бұрын

We’re so happy to hear that our story helps you feel reassured about your own transition. You have done your due diligence to make things as smooth as possible. Thank you for watching, and we wish you and your family the best! 🙏🏽🙏🏽

@HomemadeInAtlanta 2 жыл бұрын

I love you guys !!! 😩😩❤️ Love that y’all are sharing your journey!

@theirvs793 2 жыл бұрын

We couldn’t have done it without you! Best #atlrealtor ever! 😍😍😍

@RockNational22 2 жыл бұрын

Thank you for the information!!!! Exactly what I was looking for!!

@theirvs793 2 жыл бұрын

You are welcome! We put this out there because we couldn’t find any information when we were going through it. Happy it’s helpful.

@nathaliecastillo357 Жыл бұрын

This is exactly where I am at. Thank you so much for your story. I needed to hear this . Big thanks 🙏

@theirvs793 Жыл бұрын

Happy our story is helpful. We couldn’t find any while we were experiencing this and got the courage to share.

@engnrscott Жыл бұрын

Great channel. Thanks for sharing your experiences and advice.

@theirvs793 Жыл бұрын

Our pleasure! Thanks for watching.

@kelly4618 2 жыл бұрын

Wow what an amazing story! Finally the good guys win!

@theirvs793 2 жыл бұрын

Thank you so much for watching! Yes, we feel blessed and thankful for the experience. We appreciate you for following our journey! 🙏🏽😊😊

@marieriou2030 2 жыл бұрын

Amazing story and journey. Blessings Abundantly, when there's Trust in the process of God's plan.🙏🏾🙏🏾🙏🏾

@theirvs793 2 жыл бұрын

Thank you!! 🙏🏾🙏🏾🙏🏾

@mikaylacameron6318 2 жыл бұрын

Thanks for sharing this! My husband and I are in a similar situation with our new build. We made sure all of our finances were set up beforehand, but now my husband will be switching jobs before we close. We plan on being up front with our mortgage lender as well!

@theirvs793 2 жыл бұрын

Thank you for watching! Wishing you both great success and early congrats on your new home!!

@laladeylaya6738 Ай бұрын

Okay right now I am interviewing for three positions all paying more I was terminated last week but it wasn’t a for sure thing now that I know that it is I’m thinking about just getting the job offers and then telling them after except one. What do you think about that?

@noladowntown 2 жыл бұрын

My husband and I had the same experience. We bought new built 6/8/2021.The Leander ask for anything she had it within hours.We had our deposit in the bank plus emergency funds. We had the best realtor, she's family to us.

@theirvs793 2 жыл бұрын

We’re so happy to hear that you had a positive experience during your new build process! Yes, a great realtor makes all the difference. Thank you for watching! 🙏🏽🙏🏽

@LondasBookClub 2 жыл бұрын

Extremely helpful. We’re building in AZ. Due to close June/July

@theirvs793 2 жыл бұрын

Congratulations on your new home in AZ! Thank you so much for watching! 🙏🏽

@wellsaid7192 2 жыл бұрын

Great vlog 😊👍

@theirvs793 2 жыл бұрын

Thank you!

@wellsaid7192 2 жыл бұрын

@@theirvs793 You are so welcome 😊👍

@DaKillmonger Жыл бұрын

Beautiful relationship.

@theirvs793 Жыл бұрын

Thank you!

@DannyPerry160 2 жыл бұрын

You don't normally congratulate someone for leaving their job buy, in this, good for you! Values > $!

@theirvs793 2 жыл бұрын

Thanks!

@carolynk.7155 2 жыл бұрын

FAVOR…TO GOD BE THE GLORY.

@theirvs793 2 жыл бұрын

🙏🏽🙏🏽🙏🏽 Amen!

@nickt2159 2 жыл бұрын

Keeping the faith. God is good. I am pegging you as an engineer type. Am I right? You don’t have to answer that, you both seem to have your priorities in life on target. Thanks

@theirvs793 Жыл бұрын

Not an engineer 😅, but thanks! Yes, we have shared goals and plans. Really important that we are in alignment.

@xodeproductio8339 2 жыл бұрын

Thanks for sharing.. but what happens when you quit your job for a better salary just after you've signed all the paperworks and get the keys?

@theirvs793 2 жыл бұрын

Great question. If you have closed on your house and have the keys in your hand, you are free to do whatever you want. If you don’t have the keys in your hand, you want to chat with your lender before making any decisions.

@bitaminv21 2 жыл бұрын

Did you finance through DR Horton? My home is being built in Tampa by Dr Horton, I live and work in NY right now, DHI Mortgage approved me for the build as a 2nd home (not primary residence) and will restructure the mortgage as a primary as we get closer to closing day-projected end of August.I work in healthcare and have been offered a job in the Tampa area already. I'm unsure whether to wait until closing to leave my current job in NY or to pack, move to rental in Tampa, work down there for 2 months or so or stay here until closing. What do you think?

@theirvs793 2 жыл бұрын

In general it’s usually easier to make adjustments to your mortgage documents earlier in the process. It reduces any possible delays due to your lender having to update docs and request new information. We think whatever you and your lender are comfortable with, go for it. Definitely talk to your lender.

@alexp646 2 жыл бұрын

You can just get a letter from the next job and they allow it. I’m in the same exact situation living in NJ and moving to Tampa work in the medical field as well.