Buying a Home Start To Finish As a First Time Home Buyer - First Time Home Buyer Tips and Advice 🏠

Рет қаралды 76,904

3 жыл бұрын

#Homebuying #mortgage #buyingahome
Want to get preapproved for a mortgage? Call me 707-478-0637
I hope you have your wine and snacks as this one is 26 min Long!! Snuggle up, its about to get real
Clearly, I love doing loans! Need a mortgage or want to chat about your scenario? I am licensed in 48 states for purchase and refinances. Here is how to contact me:
1) Book a call with me: calendly.com/jennifer-beeston
2) Apply for a mortgage now at www.zerostressmortgage.com If you apply please text me your full name and email address letting me know so I can look for your app:) TEXT 707-478-0637
3) Call me 707-478-0637
Jennifer Beeston, SVP Mortgage Lending NMLS 247743 at Guaranteed Rate, Inc. NMLS 2611
Branch Address: 4863 Old Redwood HWY, Suite D, Santa Rosa, CA 95403
Equal Housing Lender - For licensing, go to www.nmlsconsumeraccess.org
Top 1% in the nation 2016-2020
More Helpful Content:
Home Loan Basics: www.youtube.com/watch?v=Qfbvd...
Loan Programs: www.youtube.com/watch?v=iSuov...
VA Loans: www.youtube.com/watch?v=qejJO...
Real Estate Breaking News: www.youtube.com/watch?v=FTFXc...
Mortgage Rates/Refinancing: www.youtube.com/watch?v=GUOnv...
www.zerostressmortgage.com
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Пікірлер: 268

@franklinwilliamson4972 Жыл бұрын

As a Loan Officer/ MA myself… this is a TERRIFIC video. I enjoy watching other lender videos because you’ll always take something from it. Getting documents asap is imperative! Many loans are delayed by the the borrowers themselves without realizing it. Thank you for posting Jennifer… and thank you for the brutal honesty.

@JenniferBeeston Жыл бұрын

Happy to help:)

@leerood9079 Жыл бұрын

I am a Realtor and her value system resonates *loudly* with me! I absolutely love to know that there are straight shooters out there who are successful in dong things the right way!

@naynay3174 Ай бұрын

I just worked with a realtor and her husband/team member who were more than happy to show me some condos before I was preapproved, and a lender who was more than happy to work with me and answer all of my questions no matter what. They all have been incredibly supportive and motivated and after hearing this, I feel so lucky that I found them. As opposed to those who would dismiss me, treat me like I was being rude and tell me “BYE!” like the attitude you are describing in this video.

@izziereal2010 3 жыл бұрын

Thank you for taking the time to make this video. There was a lot of information that goes on in the background that I never realized that occur. A lot of factors can easily delay the process of closing escrow and I'm glad we have folks like you who are willing to deal with some of the nonsense at your job. When my family and I purchased our home back in July 2018, I cooperate and kept in close contact with everyone and signed and submitted everything in a timely manner. I kept an eye at my email like a hawk in order to complete the process, receive the key to the house, then celebrated while inside it. Keep up the great work. I love your enthusiasm in your explanation.

@lukefromtexas 3 жыл бұрын

I really appreciate your videos. You are so helpful and make the process seem a lot more manageable.

@jamesscott8930 2 жыл бұрын

Telling it how it is! Thanks for the transparency.

@sarahcorona6673 3 жыл бұрын

I just love your attitude! 😆 Really appreciate your videos

@JenniferBeeston 3 жыл бұрын

Thank you:)

@FPHC33 Жыл бұрын

@Jennifer Beeston, you are a breath of fresh air. Thank you for your in-depth commentary and knowledge. The home buying process can feel so overwhelming (especially with the current market conditions) with where to begin for first time homebuyers. I am glad you’re licensed in my State and I will definitely reach out for a conversation when I’m ready to move forward with the process.

@JenniferBeeston Жыл бұрын

Look forward to chatting with you

@jeannettetorres2561 9 ай бұрын

Yeeeaaah, Jennifer love watching these videos. Cant thanknyou enough for these amazing videos. ❤

@JenniferBeeston 9 ай бұрын

You're so welcome!

@willaholiday4173 3 жыл бұрын

Jennnnnnnn!!!! I watch all of your videos but I absolutely have to show love when you take the time out of your schedule to put out long informative videos🥳 I find myself a little disappointed on the weekends when I don't get notifications about a new video for the day but it only gets me excited for Monday's episode! Thank you for your time and desire to educate!!

@JenniferBeeston 3 жыл бұрын

❤️❤️❤️❤️❤️🙏

@yoreljm 7 ай бұрын

Decency or respect? Wow. Some people just don't know what's involved by in a house.

@willaholiday4173 7 ай бұрын

@@yoreljm 🤔What are you talking about?

@yoreljm 7 ай бұрын

@@willaholiday4173 she said the buyer did not have the decency or respect to get pre-approved. I'm just saying some buyers just don't know the process. They are not being indecent or disrespectful by not getting pre-approved. But it's an old video, so it might not matter.

@willaholiday4173 7 ай бұрын

@yoreljm Oh okay. Your comment was posted as a reply to my old message so I was confused

@shontaenorwood7076 2 жыл бұрын

You are heaven sent @jenniferbeeston! I'm a first time home buyer and this information is EXACTLY what I needed to guide me! I'm so glad I came across your videos! 😊

@yurykatherin9499 3 жыл бұрын

She is so clear !! Amazing!!

@JenniferBeeston 3 жыл бұрын

Thank you!

@philam297 2 жыл бұрын

Great video!! Very informative! Thanks

@charlieburns1385 2 жыл бұрын

Thank you Jennifer so very helpful♥️

@leeleeloveshurdcrew 3 жыл бұрын

Very helpful! Thank you!

@lindsayjennings9468 3 жыл бұрын

Love your videos! Informative and honest!

@JenniferBeeston 3 жыл бұрын

Thank you!

@diana34768 3 жыл бұрын

I love all the advice, I relate so hard to all your frustrations (people not calling you back, last minute changes, etc.) I feel you girl I feel you LOL.

@JenniferBeeston 3 жыл бұрын

It was nice chatting today!:)

@ericaelayne11 2 жыл бұрын

So helpful!!

@cleanasdirt6832 3 жыл бұрын

Recommend as pest inspection, “ that’ll open a whole can of worms. 😂😂😂

@chrishellemaitland5775 3 жыл бұрын

Thank you Thank you THANK YOU A MILLION TIMES!!!!💝

@PiyushJaybhayeMusic 2 жыл бұрын

Very helpful, thank you

@floydlholt9829 2 жыл бұрын

This is a great informative video.

@mysticalfairy32 2 жыл бұрын

Thank you so much!!!

@Roundy-Up-Hunting 8 ай бұрын

Thanks Jen

@tastychicken3966 2 жыл бұрын

Thank you for your explanation. I know my loan officer is too busy to explain everything to me. So I found your video, and it clears my question on the buying house process. My loan officer did send docs out for underwriting within 4 days. So that’s a good sign.

@JenniferBeeston 2 жыл бұрын

Happy to help!:)

@alexisturnerrealtor Жыл бұрын

This was great, short-to-the-point information. As a GA realtor, no two buying transactions/clients are the same and things can slip through the cracks but this was a great refresh step-by-step guide to help my clients understand.

@JenniferBeeston Жыл бұрын

Thank you Alexis!

@MattTheMortgageGuy 3 жыл бұрын

Such TRUTH about the 7pm on a Saturday. If a consumer finds a lender to do a pre-approval on a Saturday night chances are that lender isn’t that good or hasn’t done a thorough job.

@carolynknight3217 2 жыл бұрын

Very informative! Thanks!

@JenniferBeeston 2 жыл бұрын

Glad it was helpful!

@sierraon28s Жыл бұрын

Great info 👌🏻

@Richard-qx8jk 2 жыл бұрын

Jennifer, your advice is ALWAYS spot on, and very helpful. On top of that, you are absolutely stunningly beautiful!

@JenniferBeeston 2 жыл бұрын

Thank you!

@pinball16 Жыл бұрын

Thanks for the nice overview! Also as soon as credit checks on property happens expect 40 spam lending co calls!

@Lsbud 3 жыл бұрын

I hope to buy or rent to get away from this horrible noisy place, hopefully before the summer heat. I don't want any home buyers calling me as a response to this video, I'm not going to sell at a low-ball price. I really appreciate you, Jennifer.

@truelybestandblessed6548 2 жыл бұрын

Thank you so much for your videos

@JenniferBeeston 2 жыл бұрын

Thank you for checking them out❤️

@JayJay-me8zk Жыл бұрын

Thank you for this insightful video. First-time home buyer, just starting the process. Been doing a lot of studying to prep for the process. This video taught me so much!!! I will be calling/emailing you to schedule a time to talk 1 on 1.

@JenniferBeeston Жыл бұрын

You got this! Glad it was helpful!! Looking forward to chatting with you in the future! :)

@dremap.6349 5 ай бұрын

Thank you, thank you… thank you!!

@herculesotieno4942 2 жыл бұрын

Thats a good piece of information

@JenniferBeeston 2 жыл бұрын

Thank you!

@shawndawashington8623 3 жыл бұрын

I must find a way to work with you!! I just stumbled upon your channel and am watching ALL of your videos! Thank you!

@Joy-sp3il 2 жыл бұрын

I get to understand that some realtor don't want to work with you if you don't have a lot of me and some lender don't want to work with you at 60 years and over I like the information you are giving it's very encouraging thank you

@JenniferBeeston 2 жыл бұрын

We are always here for you:)

@dennysangiovanni3375 Жыл бұрын

Love your advice…

@JenniferBeeston Жыл бұрын

Thank you!

@russcali4138 2 жыл бұрын

Solid info on how to choose a realtor

@killtorres 3 жыл бұрын

Oh dang! Thanks! I'm 10 days under contract and don't have my insurance policy secured... Getting that done now

@MYZTICTRAVLER Жыл бұрын

Question: How do I take advantage of home builder discounts while using my V.A. home loan, and any first time home buyer discounts/programs at the same time?

@skylar6818 2 жыл бұрын

Excellent

@GoodV1bez Жыл бұрын

Great video

@MsNorthCarolina 3 жыл бұрын

You're the best! Thanks for giving us your knowledge 😊

@nathanialkeeter5028 Жыл бұрын

I'm learning so much

@JenniferBeeston Жыл бұрын

I am glad the videos are helping!:)

@waqarsyed6641 3 жыл бұрын

Awesome thank you wish I was working with you to purchase the house

@elysewood6715 2 жыл бұрын

Great info

@JenniferBeeston 2 жыл бұрын

Thank you:)

@paulinelaporte3256 3 жыл бұрын

I think i watched all your videos this past week lol Jennifer 😍 You have the best coverage in VA loans. Thank you!! Can we dip on our Roth or 401k before we close?

@JenniferBeeston 3 жыл бұрын

Thank you:) Totally depends on your situation.

@healthyintention Жыл бұрын

I would have loved to have a bullet point list of the points you made. It would have been super helpful.

@brrberrymerry Жыл бұрын

She said "don't give the lender anything they don't ask for even If you think it's helpful" right after I've just submitted our w2's which have never been requested 😅😮‍💨 trying to be "helpful "

@JenniferBeeston Жыл бұрын

Your good:)

@spencerbishop8724 2 жыл бұрын

Smart, successful and beautiful! I can listen to you talk house all day long!!! Jesus

@JenniferBeeston 2 жыл бұрын

Thank you! 😃

@jaymelee Жыл бұрын

I'm in the underwriting process, and its so stressful. Thank you for this tho

@nathanielbrown8730 9 ай бұрын

I'm 5 years or so out from getting a home, and I'm just laughing at some of these stories of what people put you through😂. Yep time for vacation lol

@cek589 Жыл бұрын

When thinking about purchasing a home (lets say within the next year) when should you apply for or have pre-approval. Some have a limited time frame.

@TZR95035 3 жыл бұрын

I live in the silicon valley wanting to start my house buying process. This helps a lot

@TZR95035 3 жыл бұрын

Could you recommend some reputable lenders?

@JenniferBeeston 3 жыл бұрын

Happy to help! If you would like to get preapproved pick a time here calendly.com/jennifer-beeston/preapproval-q-a

@rawleee 2 жыл бұрын

Hi Jennifer! I just started following you and you are great! Thank you for all this information! I was curious if you can do a video for new doctors/dentists (I'm a new dentist) with large amount of school debt and buying a home with "physician's loans". Or point me in the direction of good information on that :)

@JenniferBeeston 2 жыл бұрын

Hi Rolanda, Nice to meet you!:) From what I have seen Bank of America traditionally has the best physician loans but it is a fairly narrow box you have to fit in but I would start there and if that does not fit give me a call at 707-478-0637

@leerood9079 Жыл бұрын

Good video! I would say that it's okay for the prospective buyer is okay to contact us ( a Realtor ) with the thought in mind that we should , as you said, not show homes without a pre-approval. (I don't!) Speaking for myself, I will sit down with a new client and cover preliminary information including various types of financing that might be a good fit but I always use the caveat that the lender is a professional in the mortgage field and that I am not. I do use this time to provide a few lenders that I have had good feedback about from other clients. It gives me some input to help them avoid the places that may be a bad idea (such as the 800 lenders you talked about in another video! ) In another video, you mentioned what some other lenders may do that is against the grain of your personal value system within your group. I loved that! I operate the exact same way on the Realtor side!!!

@JenniferBeeston Жыл бұрын

❤️❤️

@kingboxing2481 2 жыл бұрын

The person helping me with Mortgage is a really great lady she told me to call her anytime I want she will be able to pick up my phone and to be honest sometimes I even called her on weekends I feel really bad but she was completely OK with it and didn’t complain at all I have a great realtor and a great mortgage lower

@JenniferBeeston 2 жыл бұрын

That sounds like a great situation;)

@jrwheeler81 2 жыл бұрын

Our realtor had no problem showing us homes before we had a pre-approval (and she's a VERY busy and well-established realtor). It might be because she knows us and she was our realtor when we bought our current home back in 2008. We were actually the ones to tell her that we didn't even want to waste our time or hers looking at anything before we got our pre-approval. NOW we have our pre-approval and just cleared underwriting today, so we can start shopping! It's been almost 15 years since we bought a home, so we're very excited and nervous about being able to find a home in our price range in this crazy and competitive market.

@FastAligator1234 Жыл бұрын

Any updates? Did you find a home?

@jrwheeler81 Жыл бұрын

@@FastAligator1234 Yes. I closed on my new home last month.

@ricardotorres733 Жыл бұрын

@@jrwheeler81 how long it took for them to clear the conditional approval?

@mvcc29 3 жыл бұрын

Hi Jenn! Your videos are so informative! I love your sincere honesty! I visited your website and I saw that you’re not accepting applicants from New York. Is that true?

@JenniferBeeston 3 жыл бұрын

Thank you ! I am accepting apps from NY via Www.rate.com/jenniferBeeston NY has lots of rules and as a lender they don’t love pages that are personalized to the person they want it to the company. So I have to have a disclaimer on jenniferbeeston.com to stay in compliance. So so many rules states by state

@grownlady5023 3 жыл бұрын

Well said....the truth of the matter is no one (be it realtor or buyer) enjoys wasting their time! So I'm wondering exactly where do we get the background information about the type of realtor we're proposing to deal with? I'm sure if they have unethical practices we won't hear it from themselves

@JenniferBeeston 3 жыл бұрын

google is your best friend and interviewing

@d5dd 2 жыл бұрын

Thank you for your information and time. I have two bank accounts, with one just having saving for the down payment and another for everyday expenses that I don't have a lot of money in , would that be an issue when the banks are reviewing for closing?

@JenniferBeeston 2 жыл бұрын

Nope totally fine and normal

@brujita1215 3 жыл бұрын

Love the videos super informative should we apply even if we’re not fully ready to buy the home yet makes me nervous 😬

@JenniferBeeston 3 жыл бұрын

We should chat and then determine where you are in your home buying journey. You can pick a time here calendly.com/jennifer-beeston/preapproval-q-a

@brujita1215 3 жыл бұрын

Thank you 😊

@russlea6383 2 жыл бұрын

It sounds like a buyer should take one month off to pack up, one month off to prequalify, one month off to look at houses, one month off to close, and one month off to move in. All while maintaining their income... or just pay cash.

@sarahviii 2 ай бұрын

Lots of people only have Saturdays off and that’s the only day they have to get things done…. So I don’t think it’s unreasonable for someone to ask on a Saturday

@texdog4556 3 жыл бұрын

If it’s already mentioned, I hadn’t seen it. Do you do loans for Texas? Especially VA. Thanks

@JenniferBeeston 3 жыл бұрын

Yes I love Texas. Its my 2nd largest state in terms of loans we close. Happy to chat calendly.com/jennifer-beeston-team/va

@shkhamd 2 жыл бұрын

Hi Jen, thank you very much for these videos, I just found your channel and binge watching the videos. Very informative! One question I am curious about is, as a buyer, do I get to see the appraisal report? The reason I am asking this is, I literally have no practical experience to understand where or how to look for red flags in a house inspection. For example, an appraiser is paid to find out the value of the property thus they know how to find out potential defects in it. So it is useful for the buyer too to get to know what they think of the property and where they think the property has problem in. I know that buyer is supposed to do property inspection, but in my limited understanding of the process, wouldn't it be good have two different inspections side by side and get a more solid understanding of the property's real condition? Do you allow your borrowers to see the appraisal report?

@JenniferBeeston 2 жыл бұрын

The buyer always gets a copy of the appraisal as you the buyer are the owner of the report. Yes you should get an appraisal (lender orders) and you should order inspections on the house (you order)

@94jphillip Жыл бұрын

Question... If Navy fed is offering me a deal where my rate will be higher but they will pay my closing cost if I use one of their realtors, is that something that a third party realtor can do or negotiate, or should I just go with the navy fed provided realtor?

@JenniferBeeston Жыл бұрын

The higher rate and a portion of the realtors commission is how they are paying the closing costs. I would work with a lender that will gives you a lower rate and negotiate with the seller to pay your closing costs.

@paduag1782 2 жыл бұрын

Trying to get pre approved. What to expect on the pre-approve process.

@tia229 3 жыл бұрын

How soon do you get a homeowners insurance quote when it’s new construction?

@JenniferBeeston 3 жыл бұрын

I would say as soon as possible as well

@sandrasnyder9294 2 жыл бұрын

When you buy a house and you are not spouses, particularly in a VALoan, how is the non veteran covered as to the deed?

@ladytracy46 Жыл бұрын

This seems like so much to do but I guess it's worth it in the end

@JenniferBeeston Жыл бұрын

It’s worth it

@ladytracy46 Жыл бұрын

@@JenniferBeeston Hi do you service Rhode island ?

@njnurse2b562 2 жыл бұрын

Today I received a call from Jennifer’s assistant in regards to questions that I had as a first time buyer. I must say that this was a pointless conversation. I thought that I would be talking to Jennifer directly and would’ve been able to get some questions answered by an expert but that wasn’t the case. Highly disappointed with the call. I believe my call only lasted about 5 mins. Thanks for the no help!

@JenniferBeeston 2 жыл бұрын

I am sorry to hear you felt this way. Alyssa does quite a few of the initial calls and then I get involved if it is more complex and once we have you preapproved. I was doing 20-30 calls a day just answering questions but it did not leave time for my clients and complex situations which is where I need to be. I’ll check in with Alyssa to see what happened.

@cutiepies8899 Жыл бұрын

I agree. I had a call with her assistant yesterday as well. I was looking forward to the call but her assistant just seemed like she really didn’t want to deal with me. I’m not one to make negative comments about someone but maybe she should consider hiring a new assistant who at-least pretend to be interested in the call. Was very disappointing. At the end of the call it was determined that due to my circumstance they couldn’t assist me which was fine but from the very beginning of the call I wished I didn’t bother.

@Poppi_Weasel 5 ай бұрын

Great video! Can you make one with cash only purchases?

@JenniferBeeston 5 ай бұрын

No because I don’t deal with cash only transactions so I can’t advise on them

@Simply_Feefe 3 жыл бұрын

Hi Jen, is taking a loan from a life insurance policy to add to closing costs viewed negatively by Lenders? I’m thinking since the prospective buyer paid into the insurance, it shouldn’t be an issue to borrow against it. However, I could be wrong. Please advise. Thanks for being so informative.

@JenniferBeeston 3 жыл бұрын

I haven't seen anyone take a loan against life insurance. I would have to see the details as it could affect debt to income.

@Simply_Feefe 3 жыл бұрын

Totally understood. Thanks for the prompt response.

@RUDIASTORGA1987 Жыл бұрын

I'm planning on buying my first home and working on my credit and saving for my down payment. I really wish I came across your videos before I started with a loan guy I just feel I've learned more from you then him lately. And when I ask questions it's always a scam or something I am gonna reach out once I get my credit back over 600 and have you help me

@infomasyonnoudwekonnen9131 Жыл бұрын

I feel comfortable about VA loan . Will contact you when ever we ready

@JenniferBeeston Жыл бұрын

@Mahbubalam-ll9eg Жыл бұрын

❤

@Cruising.with.a.toddler 14 күн бұрын

Do i need to pay for the appraisal? I'm a 100% disabled veteran doing VA loan. Great information!

@JenniferBeeston 14 күн бұрын

Yes the appraisal would be a cost you need to pay. As a disabled veteran the VA funding fee is waived but nothing else

@wangeltuzon8304 2 жыл бұрын

After you got pre-approved, lenders will only give you loan estimates once you are under contract, right? Can I still work with multiple lenders to see which one gives the best deal when I'm under contract? Thanks.

@JenniferBeeston 2 жыл бұрын

Loan estimates once you are in contract but unless the interest rate is locked they are worthless to a large extent. Make sure they lock what they are quoting

@mynkhaircollection3891 2 жыл бұрын

Smart and cute expert

@beatriceoluwadiya6985 Жыл бұрын

Hey Jenny! I’m under a contract for a house and will be closing in November. I have a realtor that I’m working with but discover later that she’s not on our side. She’s always negative in everything we do and also not giving us enough information that we needed just because we didn’t go with her lender. But she’s already on our purchase agreement as our realtor.I don’t want to have anything to do with her again.My question is this: 1) Is it possible to fire a realtor that is already in a contract with you because I don’t want to give her anymore information about the development of the house. I have been ignoring her and I believe she gets the message. 2)I’m I paying the realtor or the Seller after closing.Thanks

@jeneenemiller2897 3 жыл бұрын

When do you recommend getting an appraisal done if you're purchasing a new construction home. In this case, we want it to appraise as high as we offered for it. So we are trying to delay the appraisal as long as possible as the market is a little slower to show "current" conditions here in Central Oregon. Signed contract 1st of May. House to be complete 1st of July. When is the ideal time to have appraisal?

@JenniferBeeston 3 жыл бұрын

I would say when the house is 90% complete as it gives more time for more sales to happen so you have the best chance of it appraising out. Generally with new home communities the sales people are on top of when to get it appraised.

@MiCheckMediaProductions 2 жыл бұрын

Can you do a video and buying and selling simultaneously? We are moving and we will need to sell to get the down payment for the new house but this seems stressful and confusing. If there’s a video that addresses this, I would appreciate a link to it. Thanks!!!

@JenniferBeeston 2 жыл бұрын

Yes I have done one before but it never hurts to do one again:)

@MiCheckMediaProductions 2 жыл бұрын

@@JenniferBeeston thank you!!!

@peterfield9230 11 ай бұрын

Hi, I was playing a game and kept seeing your video's. I've been thinking of buying a home for about 2 years now. It seems you have great advice for people like me, "clueless first time buyer who is a US Navy Veteran." I'll keep going thru your materials learning, if I need to reach you directly, how do I do that?

@JenniferBeeston 11 ай бұрын

Hi, I'm glad you came across my channel!! You can call me 707-478-0637 or schedule a mortgage consultation with me here: calendly.com/jennifer-beeston (:

@livenactivbeatz341 Жыл бұрын

What if your a food sever in a tip based job where checks are small but tips are high

@JenniferBeeston Жыл бұрын

As long as tips are reported on tax returns as income we can use

@livenactivbeatz341 Жыл бұрын

@@JenniferBeeston Thank you

@BoswelliaLuna8 Жыл бұрын

Where do DPA programs fall in the house buying process? Meaning, when does one apply? Are they the same as a lender, which would mean one would be applying with several lenders? Hope I’m making sense.

@JenniferBeeston Жыл бұрын

I don’t specialize in DPA but it would be part of your preapproval process. I would research the best DPA products in your area and then work with a lender that specializes in them and does a lot. City and county programs generally best and

@JenniferBeeston Жыл бұрын

Most will recommend a lender or have a list for you. Research though. A lot of the programs have higher rates and fees and 2nd mortgages so you need to understand what you are getting into

@BoswelliaLuna8 Жыл бұрын

Thank you Jennifer for taking the time to offer such a thorough and kind response.

@blackanimegeek2888 2 жыл бұрын

I just have a quick question if I got to a realtor and they automatically put me in a price range category would that be considered a red flag? I haven’t actually spoken with a lender yet. But my realtor put me in a price range only knowing my hourly income

@JenniferBeeston 2 жыл бұрын

They were probably trying to be helpful. Get fully preapproved to know your real range.

@TheAnonymouswardrobe 2 жыл бұрын

We got pre-qualified for a VA loan but the house market is so crazy it's hard to get an offer accepted.

@JenniferBeeston 2 жыл бұрын

Stay persistent and make sure your team is selling why VA is amazing

@rogerjeong9976 3 жыл бұрын

What happens if I am already in contract and the appraisal comes in over the contract price?

@JenniferBeeston 3 жыл бұрын

Don't tell the seller and that is awesome if your house comes in higher. You only have to pay contract price but I have seen sellers get nasty if they find out house came in for more. They have zero right to know appraised value as you pay for appraisal

@bleedgreen717 Жыл бұрын

New to this how do you get pre approved if your using a va loan

@JenniferBeeston Жыл бұрын

www.zerostressmortgage.com we can preapprove you

@rosetran8101 3 жыл бұрын

Can we negotiate the interest rate after getting a pre-a approval?

@JenniferBeeston 3 жыл бұрын

YES! Your rate is not locked until you are in contract on a home. A preapproval is just a reflection of where rates were when you got qualified.

@alsmith646 2 жыл бұрын

Hi Jennifer where do you go get pre approved at? Do you just go to any bank?

@JenniferBeeston 2 жыл бұрын

You call me AL🤣🤷‍♀️😀

@46osaka 2 жыл бұрын

Is it common to offer more than the listing price? And ask seller to pay closing costs?

@JenniferBeeston 2 жыл бұрын

It is a strategy we will see when the buyer needs help with closing costs that can be very effective

@jeffreynegapatan 2 жыл бұрын

i was told by my mortgage broker that your preapproval never expires just as long as you don’t change any in your financial situation such as opening new credit or loan. is it better to get preapproved now even if i don’t intend to buy a house till end of this year or early next year?

@JenniferBeeston 2 жыл бұрын

I would wait till you are a few months out at the earliest. Rates are so volatile there will be a lot of changes by the time you are ready.

@emandawatts06 Жыл бұрын

Your comment answered my question!

@annemarre 8 ай бұрын

What happens when you get approved for a loan but ended up not liking any home during the length of the loan availability purchase? I fear that whatever amount we get approved of, we won't find a home that fits what we want and need.

@JenniferBeeston 8 ай бұрын

We just update your preapproval. It is no big deal

@chrisbenedetti5722 Жыл бұрын

Jennifer beesting

@estalban2308 2 жыл бұрын

Hi Jen. I have a friend who works for the bank and found out about a program called Naca for first time homebuyers. Have you heard of them ?

@JenniferBeeston 2 жыл бұрын

I have heard of it and I think it is a good program however it takes a loooonnggg time from what I have heard. Worth checking into 100%

@lisacastano1064 3 жыл бұрын

Our preapproval expired I'm waiting to actually find a place we have a decent shot at before we pull the trigger again.

@JenniferBeeston 3 жыл бұрын

I would suggest being prepared for anything in this wild market

@lisacastano1064 3 жыл бұрын

@@JenniferBeeston I just need to call our broker and she'll do the approval right away. The one good thing about being on a va pension with no other income.