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That is WHY is crucial pay attention to our Local, State & Federal Elections very closely, because all the POLICIES has a direct impact in our pocket. All over if somebody says that is gong to “give us something free” what they are not telling you is from where they are going to get the money to finance it, which normally comes from our taxes (by the way from the taxes from the productive people… because IF you live from the Government… And here I am not talking about people that is happening for specific BAD circumstances that can affect everyone at some point, BUT I am talking about the people that don’t like to work and looks for any tiny excuse to receive money from the Government)

Soooooo, paying off the escrow will lower your monthly mortgage bill? That’s like the garbage company charging more because gas prices went up but when gas prices go down does your monthly bill go down? Nope!

What about a refinance if your condo association doesn’t participate in FHA can you do a spot approval for a refinance with a credit score? 580 or more?

You pay all these "taxes" and get next to nothing out of it. 🤔

very good explanation

What makes no sense to me is that a investment loan typically has higher interest rate is crazy If u are borrowing to buy something that will bring in cash flow it should be considered less of a risk than if u are living in the property that will take out money from your packet because u have to pay property taxes maintenance etc It’s Plain logic idk why the banks think and investment loan that will bring the investor money and long term wealth is more riskier than a damn fha loan

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Who has a large lump sum

Its a scam. Because somehow despite city taxes staying same somehow the bank can not collect enough and 2 years in row my mortgage went from 1500 to 2400 despite getting accurate info from city.

Never take out a HELOC ! these people prey on financially uneducated homeowners. Stay far away

Hi Michelle HELOC. I started an app and uploaded docs but probably not the correct app. Let me know next steps

Thank you for your videos. I always watched them to learn more as I just bought my first home 4 years ago and now looking to purchase a rental property or my new home. Learning the difficult ways to owning and buying. While feeling confident when having the knowledge to the different options available to a homeowner like me without anyone to turn to for guidance.

There is a problem with your channel. So your video is not getting views and subscribers are not increasing. And the biggest problem is, your videos are not (SEO). So SEO is very important for promoting your channel. . . . Can you give me some time to talk about this?

Um…you DON’T have extra funds if you carry credit card debt!!!

Very nice video. I have bought a house years ago and I don’t have it anymore. We did bankruptcy and my wife has never bought a home. I did FHA but my Wife never bought a house. Can we we buy a house with FHA under my Wife?

I saw your video is very good. But your videos are not optimized. Just for this, you are not getting enough views and subscribers. So I want to cooperate with you to increase the views and subscribers of your videos. What is your opinion?

Heloc

Need assistant.

I see that your channel has seo problem that's why the channel is not increasing views and adding subscribers properly. And your channel isn't growing. Can you give me some time to talk about this?

Crooks

How much of a chunck should you put down if you want to drop your mortgage by 1500 per month?

NOT a hack. Just a FACT.

Starting with the LOWEST BALANCE…is PHUCKING NUTS!!!!

EXACTLY WHO is DUMB enough to EVER have ANY credit card debt!!!

Hi There, It's Borhan here! I'm a huge fan of your "Michelle Oddo - The Oddo Group" RUclips channel. Your content is always top-notch, and I can see the passion and effort you pour into each video. I believe you have incredible potential to reach an even wider audience with a solid RUclips strategy. I would love to schedule a short meeting with you to discuss how I can help you grow your channel faster. This is not a sales call, but an opportunity to share ideas and offer assistance. Let me know if you're interested, and we can find a convenient time to chat. Thanks for your time and for creating such amazing content.

Hello, I have analyzed your RUclips channel and found some problems in your channel Can we discuss the problem that your channel has?

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In 1992, my 24 year old husband and I bought our first house. It was a 1940’s Cape Cod and was so small that our apartment furniture didn’t fit in it. Oak tree saplings grew out of the gutters, three layers of horrendous wallpaper were stuck to the walls (think gold and burgundy with people fishing) and the floors were covered in brown shag carpet. The roar of a nearby highway kept us up at night but it was the tiniest house in a wealthy NYC suburban neighborhood and we were so proud to be there! We refurbished that house with our bare hands. We worked 5 jobs between us, waited 6 years to have kids and moved into a million dollar property in the same town 10 years later. We put 20% down on that 1st house which amounted to around $40,000 and we asked the mortgage company to let us escrow our own account which they did.

My mortgage just went up Because of my escrow account 😂😂😂❤❤❤

Hey Michelle , very good video . I can do better editing in your videos which can help you to get more engagement in your videos . Pls lmk what do you think ?

I’m reaffirming my car loan. Does that help?

What does a Heloc and a chalkboard have in common? A: You can draw on it.

I have an escrow account in my mortgage I don’t have the option of simply coming up with 3500 every year to pay it all myself. I like paying it in my mortgage. That way I don’t have to worry about it. But on the other hand this something I worry about.

Can I decide to push closing because the home is not complete? I’m not in a rush to get in the home I rather everything be complete before moving in. It’s a pain having trades come in after the fact and try and get it all scheduled and taking time off work to be home. It’s a big inconvenience. What are your thoughts about pushing closing?

Thank you for simplifying this! Know someone who's about to loose their home to the tune of $30K because of a HELOC. Devastating.

Thank You So Very Much for Explaining it So CLEARY....🙏🏼

A la mierda el IRS and all de insurance companies.

Thank you for the information

Please send credit card information

hopefully the rates will go down this year

Use a mortgage calculator. One extra payment per year does not shorten your payments by 6 years. It only shortens it by 4 years. Just an FYI

Great advice

Thank you🙏

There are fixed rate HELOCs as well. What are your thoughts on those.

your videos are very great but if you do your video SEO the right way you will get a better result in a faster time

Great explanation! However the ending is some of the worst financial advice. Don’t take the equity out of your home to pay off debt! It’s like borrowing money twice, you still have debt. A HELOC is a terrible product. Don’t borrow on your home folks! More debt equals more risk!

Good info but the problem is you are speaking in loan officer terms. I understand because I have been in real estate but average home owner has no clue what you are saying.

I requested a new escrow analysis since I am now paying 1K less in homeowners insurance. Let’s see what the outcome will be-if i’ll reduce my monthly mortgage payments or not. 😅 You can’t escape these tax hikes, but you can change how much you pay in insurance if you shop around.

People don't know this?! Population of children with a little pittley ass job buying houses!

Jus pay tax and insurance yourself