What happens after the orientation/informational meeting? Here in 2024 where times is REALLY BAD
@tru1truАй бұрын
@@kiwiijuices8897 what do you mean what happens after the informational well here in Chicago we collected the application packet and fill it out and you return it along with all the requested documents and you wait whatever period of time they tell you it's gonna take to go through the applications and their selection of the people they want forthis. Of the houses once you get accepted into the program if you were selected, they will inform you and advise you how to proceed and let you know the requirements from that point forward to the end of the build of your house.
@kiwiijuices8897Ай бұрын
Ok here in North Carolina they took my application months ago and then they emailed me recently with an invite only orientation that I have to attend…. I heard you said informational instead of orientation so I got a little confused. So at this orientation I basically have to do the application again or is this my acceptance?
@tru1tru29 күн бұрын
@@kiwiijuices8897 each one are slightly different in how they do things. But if you've been invited back, definitely go. You could be on your way. You should not have to do another application unless you didn't complete full application & didn't turn in everything requested Good Luck 🍀.. it's totally worth it.
@FORTRUMP20242 ай бұрын
F habitat. Better to buy ur own home. Nobody gonna live long enough to pay off their home anyways. So ...
@tru1tru2 ай бұрын
👀 if you won't live long enough to pay off a home you'd bit with habitat you won't live long enough to pay off any home. You're entitled to your feelings, have at them. 0% interest 30yr standard loan term, you'd be better paying it off then one with interest. Anywho if your credit isn't up to par just say that. Good luck in your endeavors Oh and it is "your own home" just as with any home you purchase with anyone else..... but Ehhh
@FORTRUMP20242 ай бұрын
@@tru1tru not sure why ur feelings got hurt. I said nobody gonna pay off their home with habitat or not.... you are too old to get offended by KZfaq comments. You've got habitat and worked ur ...off to get it. Rather way,it home isnt ur home until u pay it off. Anytime u get behind, the bank can take it. Nothing in USA is urs
@Chevynova883 ай бұрын
This a depressing video I can’t even finish it
@tru1tru3 ай бұрын
Ummm 🤷
@songsalon78683 ай бұрын
We'll the door bell works very well.
@tru1tru3 ай бұрын
Hunh?
@juliegedeon89174 ай бұрын
yes absolutely I agree with everything your saying they only inspect your current living situation which I seen that sometimes they have ppl go on the site and post their stories and sometimes they also show their living conditions if it’s really poor and I think they do this to continue to help get donors because it’s based off how many donors and sponsors they can get. But I agree after you close it’s your home and you do as you please as you pay your mortgage I agree 100% and they don’t check it again after it’s close it’s done. And yes so since it’s me, my son and my spouse we will have to do 500 hours since it’s 2 of us versus if it was a single person they would do only 250 and only 100 of those hours can be done by friends and family and also the classes as well. Hopefully they don’t take the full 30 days because I have some high hopes maybe because I really want it to work out lol we have great credit and proof that we are able to pay, steady income and willing to work towards the home which they are building in 2 new places this time around since they are closing on the current builds they have that are full now . here it’s open year round so ppl are able to apply as long as they are building because where I live it’s considered a very “rich” area so it’s expensive because they are constantly building condos and apartments very seasonal place so everything gets even more pricey so there is always ppl to apply and more homes to build
@juliegedeon89174 ай бұрын
yes here in Naples, Fl they do the pre qualification and once they meet with you they decide based off your income they decide if they want to give you the application which you have 30 days to turn in with all the documentation they ask for and once you do that they tell you it’s going to take another 30 days to review all that and if it’s good then someone should call for a home inspection and I think it’s mainly to see how well you keep up with your home because let’s face it it’s not your fully your home until you make that last payment so that’s their way of seeing how you keep things since it’s their investment I guess and also seeing how bad of a living condition you may have and I think from there if they see a need then there is a final interview with the board and CEO I guess to determine if you qualify for the program. Sorry if I wrote so much but this is what was explained to me and my SIL went through this to get her home but everyone has a different experience.
@tru1tru4 ай бұрын
I consider it might home as long as I'm making the payment on it. It's not like i'm "renting" i'm paying a mortgage. (but I understand what you're saying). But, No that home inspection isn't apart of the process here. B/C basically Yea it is mine, I don't have to report anything to them any longer after I close on the house and get the keys. They're not coming here to do inspections to make sure I keep up my house or they can't tell me who I can and can't have in my house, stuff like that. Yes your mortgage will be based off your current income. But you can earn MORE money MUCH more money after you close and your Mortgage remains the same. So If I became a Millinaire on the next Powerball drawing, I do not have to report that. I mean I get what you're saying as far as "it's not yours FR until that final mortgage dollar is paid" but again that's with ANY BANK, OR LOAN MORTGAGE LENDER // PROVIDER I guess though, if that's their process, but also after the person closes on the house, they can't come in to make sure the home Owner is keeping it up. but I digress LOL... but I'm not sure if it took 30 days to be notified that I was qualified. I got my info in QUICK b/c they only take so many per round (I mean potential owners) they have way more applications then they are going to accept potential owners per round. So I got mine in quickly so I would be amongst the first approved and I was. :) Best Wishes to you on your journey. keep me posted... do you have to put in hours also towards the build of your home if you get accepted ?
@juliegedeon89174 ай бұрын
If they run your credit report and it’s a hard pull i was told they have to apply for a loan for you ?? It didn’t make sense that they would do that especially if I don’t even know if I’m approved yet or is that just a check they are doing ?? I was told they have to pull or run your credit twice.
@tru1tru4 ай бұрын
they run your credit just as any mortgage loan provider would. initially with habitat, i paid my mortgage to them. they are / were the loan provider. you cant know if you’re approved or not if they don't pull your credit.
@juliegedeon89174 ай бұрын
@@tru1tru ahh alright thank you so much for taking the time to reach out, hopefully they reach out soon for the home inspection
@tru1tru4 ай бұрын
@@juliegedeon8917 see that's different. I didn't need a home inspection (if you're saying they come to where you currently reside to see your place). That wasn't apart of my process. But it's different in different states.
@bmahungries91545 ай бұрын
Looks like so much fun. So many celebs!! Looks like a wonderful time!
@TuyenJerardU.S.Education6 ай бұрын
I just moved in my Habitat house and I love it. I shared it on my KZfaq as well. Very worth it! Thank you for sharing.
@tru1tru6 ай бұрын
Congrats 🥳 to you. I am about to check out your youtube video! Glad you are enjoying your home.
@suckitforreal41137 ай бұрын
Are there any advantages of buying this way?? It does not sound like it is any better than purchasing on your own.
@tru1tru7 ай бұрын
The #Advantage for me is the 0% interest on the life of the loan. You won't get that anywhere else. You might get a low interest home loan but 0% interest for me is what "Got Me". I'll pay for my house ONE time.. The amount that I purchased it for. Nothing more, Nothing less.... Also w/paying extra on my. loan I'll surely pay it off sooner rather than later....
@iyannaaliyah16177 ай бұрын
I got my house a year ago build ground up don't know how hard it's been for me over here. The stove keeps saying err the ac was going off wasn't coming on the lights jump out every other day the roof leaks the windows get stuck and don't want to go up the water leaks through them it's always ants coming from no where man I can't stand begin here I'm always coming out of pocket then the city of belleview said they have to close up the out door storage with dry wall do to it begin a safety hazard they ain't did that yet I just can't wait to the end of next year they can have this bitch habaitat f me n my kids over
@hollybeal12247 ай бұрын
😂 this is great! He knows what time it is!
@michellebyers43428 ай бұрын
Thank you
@simplyblessed019 ай бұрын
I just completed my home visit and just got the call Im approved for the program. I'm looking forward to the process it's really awesome.
@tru1tru9 ай бұрын
Congrats to you. I didn't go through a home visit process. I'm not sure what that's about. But different Habitat states / cities have different requirements... Best Wishes on your journey
@Skiskiski9 ай бұрын
I love your comedic attitude. But on a serious note, thank you for this informative video.
@Skiskiski9 ай бұрын
How do I get started? Do I submit application online or do I go in person?
@tru1tru9 ай бұрын
Search habitat for humanity near you. The info would be on their website
@Skiskiski9 ай бұрын
You and my wife have a lot in common.
@ronfraser22679 ай бұрын
How many Michael Jackson they got man 😁😁😁😁😁😁
@tru1tru9 ай бұрын
😂😂 idk my first time seeing this one 😬
@dunbardunbar283110 ай бұрын
Congratulations, Read the fine print they hold a second mortgage on your property ask them about that.
@tru1tru10 ай бұрын
Not true (they would under certain circumstances) but No, not on my house or anyone that was in my cohort. Those circumstances were explained to us but not necessary for any of us.
@prettykitty541610 ай бұрын
I know you have to make a certain amount of money to be able to receive one of these homes. What happens if you get a new job/career that pays a lot more money? Do they take the house back? Would you still qualify? Do you need kids to be able to get one of these homes? I don’t have kids lol
@tru1tru10 ай бұрын
You don't "Receive" a house. You are Literally BUYING a house just as you would with any other Lender. It's Not section 8, it's not rent subsidized, it's not free.. It's yours as if you've purchased through any Bank, or any other Lender. Once you close on the house it's YOURS and Your responsiblity. There is NO landlord... You are the Landlord!. If you close today and get your keys, and tomorrow you win a Cool $Million$ the house is still yours! My kids are grown I bought my house for me. :) Lots of Single women (w/no kids) purchase homes. It's ok.. We work for what we want right why not.. Happy Buying, Keep us posted... 🏠
@angelacoville161011 ай бұрын
Thank you for posting this video. I wish I had your courage. I love your descriptions. "Is someone eating the caulk?" No you're not the only habitat owner to have this many issues this quickly after moving into a "brand new" habitat home. I wish you the best of luck, and I hope that EVERYTHING that is wrong with your home gets fixed properly and that habitat for humanity holds up their end of the deal, at finishing a safe home, up to code, for your family to be able to thrive in and not get sick from. God bless you mama, dont give up!
@tru1tru11 ай бұрын
Hello, thank you, my house is Great. Habitat Assistanted me with all my complaints & it’s great and doing fine. In just a few months now it’ll be 4 years that I’ve been in the home I purchased via Habitat for humanity. I’ve painted, changed out some light fixtures to spruce things up. Etc… I’m loving it. It’s always something I want to do, HGTV gives too many ideas 😂 but I’ll be here a long time so there is plenty of time to add & subtract things to make it exactly how I want it, at any given moment.
@Skiskiski9 ай бұрын
@@tru1tru Ping Pong balls????
@juliagom171511 ай бұрын
If your applying with you and a spouse do you both need good credit
@tru1tru11 ай бұрын
I do believe so, especially if you're both going to be on the loan.
@bmahungries915411 ай бұрын
Yall was so confused lol how long it ended up being?
@tru1tru11 ай бұрын
It was like 40mins. lol it was an inexpensive experience. Like $14 for 20mins & $17 for 40mins something like that… We just peddled, cause no one timed the start to the end lol😂
@hilbertsandifer8337 Жыл бұрын
There’s a lot of history there……Interesting
@tru1tru11 ай бұрын
it is a lot of history there and very interesting... and informative.
@hilbertsandifer8337 Жыл бұрын
Interesting video. I must visit NOLA in the future.
@sparklede8846 Жыл бұрын
8/30/23 Thanks for sharing ❤🎉
@sparklede8846 Жыл бұрын
8/30/23 Thanks for sharing 🎉
@brothertn708 Жыл бұрын
This is why you can’t help poor people because no matter how much you do for them they will always expect you to solve ALL their problems… lady you got the house at a HUGE discount and no interest, can’t you just hire someone to fix these minor problems. Shame on you woman! You should make a video thanking Habitat for Humanity and stfu!
@ashleyupham8730 Жыл бұрын
I close on my habitat home in 20 days!! I’m so excited! This video helped a lot when I first applied and have watched it a lot of times 🎉
@tru1tru Жыл бұрын
CONGRATULATIONS 🎊🎉 🥳 I’m glad the video helped in whatever way it helped you! Continued Blessings 🏠
@dannib5543 Жыл бұрын
How long was the whole process from first meeting to this point?
@tru1tru Жыл бұрын
@@dannib5543 Hi, my process 🤔 I think it was 13-14 months from start to finish. Might be different for different folk.
@ashleyupham8730 Жыл бұрын
@dannib5543 the whole process for me has been about 17 months. I live in the northeast so they couldn’t start building in January when I was accepted
@janessataggsrt Жыл бұрын
That's fake
@tru1tru Жыл бұрын
If you say so, but I was there and saw it. 🤷🏽♀️
@tishdillard2609 Жыл бұрын
Hi if you and spouse have 2 different credit score 540 and 620 how do they base are you automatically kicked out
@tru1tru Жыл бұрын
maybe just go with the one with the highest score. And I do believe it has to be a lil' higher than 620 (If I remember correctly). if you want to go with both of you. You and your husband would have to wait until you both met the requirements.. (But You can always ask those questions at an orientation just to be 100% sure)
@Michael-kq8iv Жыл бұрын
DEMON
@jermainejohns3478 Жыл бұрын
Wow
@divadeb1907 Жыл бұрын
She's looking old
@zawjahsultan Жыл бұрын
Certainly too old to be doing that! She should be building her legacy now. 🤷🏿♀️
@khyleepride8353 Жыл бұрын
@@zawjahsultanshe's like 43
@khyleepride8353 Жыл бұрын
@@zawjahsultanso she's not that old
@Gentlewindchime Жыл бұрын
@@zawjahsultanshe’s a performer and she looks great! Her legacy is that SHE’S BEYONCÉ!
@doyousmellthat1331 Жыл бұрын
Disgusting 🫣
@aaliyahmcdaniel6908 Жыл бұрын
I like him 🤣
@ishadoll1801 Жыл бұрын
I was reading the comments while i was listening, even though it's been 2 yrs since you posted this, i really appreciate your feedback and responding to everyone's comments, and for just being raw with the process. Although, i am still debating if i should go through this program b/c i still have big dreams i wish to pursue. Soo soo many 😩
@tru1tru Жыл бұрын
Best wishes to you in your journey and dreams! Thank you for your kind comment. 🙏🏾
@majesticbutterfly Жыл бұрын
It never even ocurred to me that Habitat for Humanity would be free😂
@tru1tru Жыл бұрын
you wouldn't even believe how many folk think or thought that we were getting a #FREE house.. I told them "Now that would be the American Dream"! #Hmmpf
@AgustinaQuinteroFelix Жыл бұрын
Hi there. You think there might be an issue if i apply with habitat humanity. For a home. Since i file bankruptcy 4 years ago. And i don't have much income only me and my son are in ssi. Could someone guide me. If this would be an issue. Thanks!!😊
@tru1tru Жыл бұрын
I'm sorry, I'm just seeing this.. NO you should apply, I do believe they work with SSI benefits. just check your local Habitat For humanity and see when they'll be having an informational session / accepting applications.
@AgustinaQuinteroFelix Жыл бұрын
@@tru1tru Thank you. sending blessings 🙏
@googleba6874 Жыл бұрын
How long did it take you to finish your hours
@tru1tru Жыл бұрын
Hello, this will be totally up to you based on when you can put in your hours. Me I work for the public school system so I went through a summer and worked everyday I could (I didn't work that summer) most folk didn't have that luxury. But I did, so I was one of the first to finish my hours... I don't recall exactly how long it took me but again that will vary based on when you can and when you are allowed too. (on the build site) plus at the restore..
@googleba6874 Жыл бұрын
How long do you work a day for the sweat equity
@tru1tru Жыл бұрын
Hello on site, meaning the actual houses it was a full work day 7-8hrs but I also got hours at the Habitat restore, which that’s up to you 2-8hrs each time you go, you basically make that schedule. Then I helped write thank you cards at the office, which was maybe 2hrs . I forgot how many hours I needed but out of all my hours I needed I could get help from family and friends up to I believe it was 75 of the hours. I may have gotten two friends to help which amounted to about maybe 20hrs
@googleba6874 Жыл бұрын
Ok another question lol so the faster I do my hours is the faster I move in my home? They said it will be 3-5 years but I’m wondering if I really work hard if I could be in my home possibly 2 years?
@tru1tru Жыл бұрын
@@googleba6874 3-5 years WOW 👀 . So basically for me. from informational, when I went in to learn about the process and get the application, submit all my paperwork and went through the process it ended up being 13 months. I did my hours and had my closing and moving into my house... the cohort after me, probably took 2 years (maybe a lil' more) but right after I moved into my house a couple months later the Covid pandemic was a thing and everything came to a screeching Halt...
@googleba6874 Жыл бұрын
@@tru1tru ok thanks for helping
@mrs.elizabethdarcyladyofpe1288 Жыл бұрын
So you have to make a certain amount annually? I’m a low income single mom currently paying 2k a month in an apartment. Both my brothers have houses and pay way less monthly on their mortgages than I pay for my apartment. I desperately need a way to get home ownership, but I’m not rich enough to qualify for a house with my income alone. My credit is good though.
@tru1tru Жыл бұрын
you should apply, find out when habitat is having an informational where you are and go.. If you can pay $2K a month in rent you should definitely be earning enough to qualify to buy a house with Habitat.
@miawhitaker6033 Жыл бұрын
How long did it take to receive a pre acceptance letter?
@tru1tru Жыл бұрын
ummm longer than they said it would.. I remember calling them about it, but i was told that they couldn't tell me if i was accepted or not but just said just "look at it this way" No news is good news"... 🤫
@latishiarodriguez8705 Жыл бұрын
I've turned in all my documents I'm so excited. About how long until i can start my hours
@tru1tru Жыл бұрын
i've been in my house 3 years now. Actually 3.5 years I don't remember all the time references but once you're approved they'll let you know when you can get your hours started where and how... Congrats and Good Luck..
@jopondersmith895 Жыл бұрын
You did an amazing job, I am a new gardener and excited 🎉
@jopondersmith895 Жыл бұрын
How are they doing
@tru1tru Жыл бұрын
I didn't garden this summer 23'. this is older
@voiceofreason4907 Жыл бұрын
I believe that Habitat for Humanity (HFH) programs can differ from state to state and county to county, and these differences are determined by each HFH program and their governing board. Some Habitat for Humanity programs have three (3) mortgages: a) The First Mortgage is what you pay them for the house over your thirty (30) year mortgage, or whatever term they give you to repay the loan. (I think you said you paid about $165K for your home. So, this would most likely be listed as your First Mortgage.) b) There could be a second mortgage (possibly called a "junior mortgage" ) that sets terms for Habitat's "right of first refusal" and "shared appreciation." c) There could be a third mortgage (could also be called a "junior mortgage" ) that could be included if the buyer received "down payment" funds from the county or another program. This loan might be forgiven after a certain number of years if the buyer stays long term in the house. Some video ideas could include the following discussions: Do you have a "junior mortgage" in addition to the "first mortgage," and does it include terms including "right of first refusal" and "shared appreciation"? How would the "shared appreciation" terms impact you if you were to decide to sell your home for some reason or if you wanted to pay off the "first mortgage" [of roughly $165K]? Would you have to pay off the balance of the first mortgage AND pay HFH for the appreciation in value of the home? With home values going up, this could be a significant amount of money. What are the conditions under which the HFH program can "call the loan"? If you do expensive maintenance (e.g., have the roof reshingled) or upgrades to the home, and then have to sell the house (for whatever reason, but it could be that your job requires you to move somewhere else, caring for a sick parent to lives somewhere else, etc.), are these investments into the home lost due to "shared appreciation" rules that may apply?
@tru1tru Жыл бұрын
Hi, they will definitely all differ and or have differences.. I'm not sure about 2nd and 3rd mortgages.. I have 1. Here in Chicago they used to do 2nd mortgages to help out homebuyers but If I'm not mistaken they don't do that anymore (don't quote me). I think the best way to get all the details that you inquire about is to attend an Informational. Where all these things would be explained in person and questions can be asked of the "professionals" I' shared my knowledge based on my experience only. I have 1 mortgage with 0% interest and I don't believe anyone from my cohort got into 2nd mortgages...
@FORTRUMP20242 ай бұрын
U wont live 30 years to pay it off, habitat or not😂
@Sabrina-vu9mv Жыл бұрын
Do you own the land your home is located?
@tru1tru Жыл бұрын
Hello, not many folk own the land that their homes are built on.
@hilbertsandifer8337 Жыл бұрын
WTH? 😮😮😮😮😮
@hilbertsandifer8337 Жыл бұрын
Saw you on the Kendra show. I’m following on your channel. I sent you a request on IG. Hope to hear back from you either here or IG!