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this should @ least million view banks count the public to be uniformed of our rights

40 minute video “Ain’t nobody got time for that”! Get to the point tick tock

Does this also applies to California as well? Also the $7,50,000 cap is for total 30 year or every year of mortgage interest?

It’s refreshing to see a balanced take.

They don't say anything about the seller his primary resident.

Why do you think they have so many bad reviews? Serious question… look at their reviews on Google Maps

Great information, thanks Jen.

Isn’t a big secret any more. Most lenders will use FICO versions 2,5,4 of Experian, Equifax and TransUnion in that order.

I always feel a little bit smarter after I watch your videos. Not only is it useful information for my life, you add in some nerdy facts that 😊 make me feel a little more prepared for a trivia night.

Great information, God Bless you 🙏🏼

Sleeping in a car

How much housing really.

From the Wise County Messenger, January 16 2025 “An individual is entitled to defer the portion of appraised value of property they own …..” Although the tax collection is deferred, interest continues on the unpaid portion of tax at a rate of %8 per year, and the deferred tax remains a lien on the property.

It would've have been much easier getting a approved for a mortgage loan if people would've stopped getting a home they know they couldn't make the payments because

FHA

Just found this. Very helpful as I am getting ready to renew. Thanks

Great conversation. Very knowledgeable guest. I'm looking at my insurance policies now.

I am in Canada. Are you and would your advice and expertise be limited to the US? Thanks in advance.

What insurance companies should I get routes from? Progressive keeps going up each year by 200. 4 year old home 1564 square ft paying 2352. That seems high

I'm by the Dallas area and need insurance.

Question: I am years ahead on my FHA loan mortgage due to paying down the principle early. Based on my current loan balance and doing the calculations my MIP should be alot lower than what I am being charged. I have contacted my loan company Freedom Mortgage atleast 3 times throughout the years to discuss this issue. They have told me that the MIP is not calculated based on the current loan balance but is determined by what is on the original loan's amortization schedule for the number of the year that the loan is currently in. Based on everything that I am learning and constantly viewing on RUclips it appears that what Freedom Mortgage is stating does not seem correct. Is the MIP calculations based on the loan balance or not????

Trying to buy as 1099 employee, just curious if possible to get loan for double the amount of the property to cover the buying cost is it common to get a home loan that covers renovations

I'd love to have an umbrella policy, but cannot since I have 4 carriers - home, vaction home, cars, motorcycle. When I've checked they always demand that all property coverage be with one carrier, which is not practical, smart or likely. Great tips in your video, especially now in this age of "what the traffic will bear" premiums.

Hi Miss Jen. I’m interested in USDA loan. How can I dm you?

Will that affect the amount that it goes to the principal? I know that the longer you are paying down your mortgage the more it goes towards the principal of your loan and less to interest. My question is if you start all over again with a new lender , will that affect this amount.

I didn't know if I didn't qualify now that I could qualify later! I thought it would red flag me to never get a home loan.

I love that PMI can be dropped later with a conventional loan. I love saving money - even if I have to wait for it. Question...Do I get to choose what type of loan I get, or does the lender choose based on all my information?

Great news!

The Key is to fight the property assessment. Do not take the Counties word for the value of your home. Last year, I had to fight on my homes assessment. First I learned that the first person has a limit of how much they can reduce your property value. If you do not agree with that, you can go to a three-person board to prove your claim of value. My recommendation is to do your research. I was able to reduce my assessed value by $70,000. Every homeowner needs to fight the assessed value. Many people who still have a mortgage do not pay attention to the increases to their property taxes. You need to look at this and fight it,

The county I lived in had trucks driving around all day checking for home improvements, including painting, so they could reassess the taxes. The best thing I’ve done was leave Texas!

This is the reason I waited so long to apply and buy a house! Wish I had heard this 30 years ago! Thank You for sharing this!

The first time I bought a house I was so afraid I would say the wrong thing and disqualify myself from buying a house. You made me realize lenders want to help make sure I can get a loan if I can afford it. I guess I was just afraid I was going to be told "no." It was so amazing to get the "yes!"

Thank you for the important info!

Thank for the info. And straight to the point! I take care of my Mom and her sister in Harris County. Houston, Tx

So my mother is the only name on homes title. At her passing it is Willed to her 5 children that includes me. Can I add my name on the title before her passing to avoid probate? And than at her passing keep the other siblings as stated by will. We're just trying to avoid probate. And with her battling dementia an attorney told me she can't file for Lady Bird Deed

You said Title charges were about 1%, but I read Escrow charges were 0.2% plus $600. Also pest control, home warranty natural hazard report, document fee and transfer fee. All to see it should be closer to 2-3% on top of realtors fee

Why does a college get to charge taxes? Because they need the funding is not a good answer.

how do taxing units get the authority to become a taxing unit?

I need your help… I live in Texas but my mom passed and left me the family home completely free and clear but it needs work… But I need capital to do so but my credit…😅

I just love your videos Jen they are so helpful! Keep doing what your doing, educating the public you will continue to get your blessings

Is this Program available in South Carolina I am moving there to help take care of my 74 year old father

Yea, show people how easy it is to get a terrible interest rate right now! WOW!

Families losing their homes is healthy for the market. -real estate lender

Can we refinance to get those benefits?

Great Information!

I pay more in property tax every year than I do on my mortgage principle, interest and insurance combined. Equity doesn’t exist in Texas 😢

My husband and I closing day is January 20, 2025. When is our first payment due?

Fuck the world. I have 160 k in cash. I have 60k in stocks/ crypto/ and over 30 k in physical gold and silver… 805 credit score ZERO FUCKING DEBT. Oh and I make 25-36k EVERY MOTHER FUCKING MONTH. But that is not enough for their high standards. So FUCK you FUCK THIS Fuck owning a house. And fuck everything else. FUCK THIS FUCKING COUNTRY AND THIEIR IMPOSSIBLE STANDARDS. IF i have to wait 1.5 years i might as well pay cash for the fucking house.

And credit right?

A trust document is private document. Highly unlikely that anyone would share the trust document with a real estate agent or lender.