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can you simplify it. i dont much about it, and still dont know much about it, because of not simplifyig it and alot of fluff talk.

You think we can still get application fee dropped in 2025 that’s when I’ll be buying a house

Marcos, Excellent video and straight to the point! Keep up the great work.....

I’ll tell you now as a notary signing agent , we need to get paid more , every thing has gone up and our fees have not In a long ass time , we pay gas paper E& O etc , appraisers make 600 + now , before it was about 400

Thank you for all the useful info!

What stuff you don’t have pay forward

Shaheeda hill explains alot also

Just saw your video..Thank you so much; in process now of shopping around.

Yea, personally experienced this. If you want the lowest rate, they will give you one way or another. PAR-rate is the word of the day!!!

Thank you so much !! Awesome work

Thanks for the education. I only have 8k in the bank and want to get a HELOC and use the money to buy investment properties

Discount points can be beneficial though. For me, especially with crazy high prices and high interest rates, I needed to buy more points to get my monthly Mortage where I wanted it to be.

Overall very good explanation from an upfront LO. I found nothing I could critique except for the hyperbole word "rip-off" and not mentioning non-QM loans have underwriting fees that are $1,495 and up. Sure, the uw fee can be wiped out but that increases the rate by .125% or the fee. Like he said "nothing in the USA is free".

Im 2 months into home-buying journey and this is my first time hearing about some of these programs you are sharing great tips , thanks !

Great info thanks

Refinance 6.875 with 3 points crazy

I just saw another video that was exactly like this.

Hey Marcos, I just love your content. do you edit by yourself?

Hey, great video well done. Love the information and that you explained it in such a calm and healthy way. Right now I’m getting ready to do a blended rate weighted analysis to try and transmute it into a new mortgage.

God bless you! 🙏🏻

absolutely love the video, is there a timeframe in which you can enter this program? Is it only upon purchasing the home? Or I can whenever i’m ready to renovate

I just saw this your video and saw lots of ways to i was rip off when looking at my documents 😢😢

Pendejo! This didn't age well.

I am buying first home. I have some better clarity now. One lender is charging me 2.75% origination fee. The other lender rocket mortgage increased interest rate so that I get some lender discounts. Neither one of them has yet told me what my par is

Thank you. What is the required credit score and can you get it off your first mortgage on the home is an FHA?

Thanks, man.

Catgirl ❤

Very useful video, thank you! Subscribed

Great info

Thank you!

All these opendoor reviews are two years old.

Good tips Marco. I see you networking with Meeting Of The Minds Podcast

According to the, The Real Estate Settlement Procedure Act RESPA/ The, GFE= Good Faith Estimate, For closed-end reverse mortgages, a loan originator is required to provide a consumer with the standard GFE form that is designed to allow borrowers to shop for a mortgage loan by comparing settlement costs and loan terms. • The loan originator must provide the standard GFE to the borrower within three business days of receipt of an application for a mortgage loan. A loan originator is not required to provide a GFE if before the end of the three-business-day period, the application is denied or the borrower withdraws the application.

But what if they pull your credit then they turn you down for whatever reason?Your credit is screwed & for nothing

The best in the business great guy very Thank you for your time!

For me, as I can't sell my flipped house so I'm thinking either HELOC or Refinance. I bought the house whole as a cash, not a mortgage, so which way will be the best option you think? Once I get money from mortgage, I'm thinking to do a new flipping house right away.

Great video, appreciate the information could i use your services as a lender if ever needed

So helpful, thank you!

One lender is charging 3.25% in origination fees..

Lenders now issues multiple Loan Estimates document. How can you be sure they change the section A few days before closing?

Hello! Interesting program You don’t mind to do A SPANISH SPEAKING will be nice Good work! Thank you

Thanks for this video, Marcos. It was very informative. I’m going to try to say this as succinctly as I can; my mother is a senior citizen who owns her home, free and clear, but she’s let it get into a state of disrepair. There is a lot of water damage from a leaking roof issue. I’m trying to help her get financed, but it seems that the house needs to be inspected first to qualify for a loan to fix the roof. With a home in the condition her is, is she able to get this kind of loan? If not, are there loans out there for people like her in her category and condition of home?

I just spoke to my lender and she told me that in this market there are no free point right now. She gave me and interest rate higher than my par interest rate and i still have to pay for points is this true?

Cash out refy can go up to 30 loans and equity loans can go up to 20 yr loans right?

Heloc has some big cons??

How would that work with a DSCR loan?

So for others who may be as confused as I was / still kinda am about getting a loan estimate I have given paperwork to 4 different lenders and only one has given me a loan estimate. Loan estimates are only given when you are really applying for the loan (Contract in hand). I don't have a good answer to why this is I have just gotten tired of every video I watch saying ya just get the loan estimate and then I ask the lender and the say nah we don't give that when you are shopping around only when you have a contract in hand. (If someone knows something I am missing feel free to let me know I still very much have no idea what I am doing just want to make sure others know I have not found it as easy to get the estimate from lenders)

Thank you, I have property in Florida and it’s payed off.. I’m thinking of getting a construction loan and build a house. You think is a good idea??

Thank you for the information, I’m inquiring about a construction loan. I have land in Florida and i own it outright would that help me on getting approved for the loan??

Is 2% loan amount on FHA good for estimates?