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Michelle Oddo - The Oddo Group
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Добавлен 22 мар 2017
In Colorado’s intense real estate market, working with an experienced home mortgage professional is more important than ever! You deserve a knowledgeable team who’ll make your loan experience as smooth and stress-free as possible. From submitting your mortgage application to leaving the closing table, The Oddo Group with Luminate Home Loans will be dedicated to meeting your goals and being your trusted mortgage advisers for years to come!
Increase Your Interest Rates AND Save on Your Monthly Payments?! ... ask me how!
🤔 Go from a 3% interest rate to a 6% interest rate and STILL save on your monthly payments? Is that even possible?!
It might sound crazy, but it can happen!
Refinancing to Consolidate Debt 💳: If you’re paying high-interest debt (like credit cards or personal loans), refinancing into a higher-rate mortgage but paying off that debt could actually lower your overall monthly payments.
If you're curious how this could work for you, let's talk. 📲
#MortgageTips #RefinanceSmart #SaveMoney #MortgageLender #HomeFinancing
If you are looking to refinance or purchase a home now or in the future, meet with the Oddo Group.
oddogroup.com/
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First Time Homebuyers Playlist
www.you...
It might sound crazy, but it can happen!
Refinancing to Consolidate Debt 💳: If you’re paying high-interest debt (like credit cards or personal loans), refinancing into a higher-rate mortgage but paying off that debt could actually lower your overall monthly payments.
If you're curious how this could work for you, let's talk. 📲
#MortgageTips #RefinanceSmart #SaveMoney #MortgageLender #HomeFinancing
If you are looking to refinance or purchase a home now or in the future, meet with the Oddo Group.
oddogroup.com/
**********************************
First Time Homebuyers Playlist
www.you...
Просмотров: 1
Видео
What Helps Sell a Home in Today’s Market? We got you!
Просмотров 74 часа назад
Great news for buyers and sellers alike-rates are dipping into the lower to mid 6% range, making homeownership more affordable for many! With every 1% drop in interest rates, around 5 million buyers jump into the market. 📈 What does that mean for sellers? More buyers less inventory = rising prices. And buyers, while demand is heating up, sellers are still motivated to negotiate, which could be ...
First Time Home Buyers & Downpayment Assistance
Просмотров 144 часа назад
🏡 Is the Down Payment Holding You Back from Buying a New Home? 🤔 You’re not alone! Many people are in the same boat. The good news? There are down payment assistance programs that most buyers qualify for! 💸 If your monthly payment isn’t an issue but coming up with the down payment is, let's talk. Let's not keep you renting just because down payment is an obstacle. Reach out today to explore you...
CASH POWER PURCHASE - BUY A HOME BEFORE YOU SELL
Просмотров 3814 дней назад
🏡 Our innovative Luminous Cash Power Purchase Program ensures that you won't miss out on your dream home when competing against other cash offers. Plus, you can buy your new home before selling your current one. Become a competitive buyer with cash in hand-no compromises needed! 💰✨ Check out how we can help you make it happen. #HomeBuying #DreamHome #CashBuyer #PowerPurchase Become a competitiv...
IS IT THE RIGHT TIME TO BUY? WHAT THE MEDIA ISNT TELLING YOU
Просмотров 1721 день назад
The Home Purchase Sentiment Index (HPSI) is a great tool for gauging market mood, but it shouldn’t be the only factor in your decision. Just because people think prices are high doesn’t mean they’ll drop anytime soon. In fact, home prices have remained stable in many areas. Remember, buying a home is a personal decision that should be based on your financial readiness, long-term goals, and loca...
NEW HOME BUYING STRATEGY
Просмотров 3128 дней назад
You CAN buy a home without selling your current one. A Home Equity Line of Credit (HELOC) might be your answer! By tapping into the equity of your current home, you can secure the funds needed for a down payment on your next property-all without rushing to sell. This flexible financing option lets you purchase your new home with ease, giving you the time you need to sell your current one when t...
WHAT THE TYPICAL BUYER LOOKS LIKE TODAY
Просмотров 11Месяц назад
Thinking about buying your first home? You might be wondering how you compare to other first-time buyers. Here’s what the average first-timer looks like today: Average Income: The typical first-time homebuyer earns around $97,000 annually. Average Down Payment: Most first-time buyers put down about $13,000 of the home’s purchase price, not the 20% you might have heard about! Ready to see how yo...
RANT ABOUT PEOPLE IN OUR INDUSTRY
Просмотров 27Месяц назад
Let's talk about something crucial-customer service. Unfortunately, it’s not always a top priority for some lenders in our industry, but it should be for you! When you're making one of the biggest financial decisions of your life, you deserve to work with someone who truly listens, understands your needs, and guides you through every step with care. Tip: Always ask for referrals when choosing a...
REAL ESTATE DOWN PAYMENT MISTAKES
Просмотров 334Месяц назад
Thinking you need 20% down to buy a home? Think again! Most home buyers actually put down far less, and here’s why that’s totally okay: Less Than 20% Down Is Common: Many buyers are putting down 5%, 10%, or even 3.5% with FHA loans. You don’t need to wait years to save up that hefty 20%. PMI Isn’t as Scary as It Sounds: Private Mortgage Insurance (PMI) might sound like an extra cost you want to...
SERIOUS WARNING ABOUT NEW LOANS
Просмотров 2,2 тыс.Месяц назад
Co-signing for a friend or family member’s loan might seem like a kind gesture, but it comes with serious risks. You’re Responsible: If they miss a payment, it’s on you to cover it. This can seriously hurt your credit score and put your finances in jeopardy. Credit Impact: Co-signing increases your debt-to-income ratio, which can make it harder for you to qualify for loans or credit in the futu...
INTEREST RATE TIME MACHINE
Просмотров 33Месяц назад
Monthly payments keeping you from buying a home? There are properties and strategies out there that can help you secure interest rates similar to what you would have gotten a year ago! 📉 How is this possible? We have some creative solutions up our sleeve that could make homeownership more affordable right now. 👉 Want to learn more? Comment the word "rate" below, and we’ll share the details with...
EQUITY TRAPPED IN YOUR HOME
Просмотров 159Месяц назад
Tap into Your Home Equity Without Affecting Your Current Mortgage Rate 💰 If you’re a homeowner, you might be sitting on a pile of cash without even realizing it. With home equity at record levels, now’s the perfect time to take advantage of a Home Equity Line of Credit (HELOC). The best part? It doesn’t affect your current mortgage rate! 💡 Why Consider a HELOC? Access Cash: Use your equity for ...
WHEN WILL MORTGAGE RATES COME DOWN
Просмотров 26Месяц назад
While predicting the exact timing of mortgage rate changes can be challenging, many experts suggest that rates may stabilize or decrease in the near future as the economy adjusts and inflation concerns ease. 🏡 Now might be the perfect time to start your home search or get pre-approved. Here’s why: Future Savings: Locking in a rate now can protect you from potential future increases. Negotiation...
WOULD YOU DO THIS
Просмотров 29Месяц назад
Ever thought about joining forces with a friend or family member to buy a home? It can be a fantastic way to achieve your homeownership dreams faster and more affordably. Whether it’s your first home, a vacation getaway, or an investment property, partnering with someone you trust can make the process more manageable and enjoyable. Interested in exploring this option? Let's chat! We’re here to ...
TOP 5 HOME RENOVATIONS
Просмотров 38Месяц назад
Thinking about sprucing up your home? Make sure your investment pays off! Here are the top renovations to maximize your return on investment. Ready to make smart renovations? Let us help you finance the right projects to boost your home's value and appeal. #HomeRenovation #SmartInvestments #RealEstateTips #HomeImprovement oddogroup.com/ First Time Homebuyers Playlist www.youtube.com/watch?v=TeM...
4 THINGS YOU NEED TO BUY A RENTAL PROPERTY
Просмотров 44Месяц назад
4 THINGS YOU NEED TO BUY A RENTAL PROPERTY
WHAT HAPPENS TO YOUR HOUSE WHEN YOU DIE
Просмотров 352 месяца назад
WHAT HAPPENS TO YOUR HOUSE WHEN YOU DIE
THE ONLY 3 REASONS WHY HOMES WON'T SELL
Просмотров 392 месяца назад
THE ONLY 3 REASONS WHY HOMES WON'T SELL
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
After 1:00, there's no more video content, just music.
Who has a large lump sum
@@cmc4827 some people receive a gift from family member, some people sell a home and have assets to roll to the next time, some people use a 401(k), there are many sources.
SMART people. NOT you LOSERS!!
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?
@@cocoxoxoxo7881 typically you can count on every thousand in Mortgage is about seven dollars in mortgage payment just as a rule of thumb.
@@cocoxoxoxo7881 also sometimes people receive a large bonus or make money in stock, market, receiving inheritance, etc.
@@cocoxoxoxo7881 GET a CALCULATOR, DUMBBELL!!!
NOT a hack. Just a FACT.
@@Tryp-j9d true it is a fact that most don’t know of so therefore a hack as well. :-)
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?
unique vdo
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
DAMN, you’re STUPID!!!! It WILL if the interest rate is above 7%.
Great advice
Thank you🙏
There are fixed rate HELOCs as well. What are your thoughts on those.
They are garbage say your fix rate is 10% and in the near future, the prime rate goes above 10% the bank can freeze your current HELOC and ask you to repay it in full and will the give you an option to re apply for the higher prime rate
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!
I respectfully disagree. Lowering your interest rate from almost 30% un revolving debt to somewhere between 9% and 10% and leveraging an asset that appreciates is smart financial advice. Any financial planner will tell you this as well.
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.
Definitely will reduce your escrow payment.
People don't know this?! Population of children with a little pittley ass job buying houses!
Even the most educated buyers with high-paying jobs have questions on this topic! No question is a dumb question. :)
@@Michelleoddo so called 'high paying jobs' are still pittley ass. 30 year liability with a moment to moment income.
Jus pay tax and insurance yourself
yes! always an option if you have 20% or more down and it is a conventional loan.
@Michelleoddo I was pre approved for a conventional loan, but I don't have 20% 15%