Видео

Aaaaaah sooo much better wo the background music

We called to apply and there’s a 3 yr average processing wait. That’s another con! Lol

I didn’t had a job for like 2 years or so , and I do have a good credit score is there anyway I can get by and get a loan ?

What are the interest rates for this program right now? I can get around 7%+-, so I'm not sure if I would be beneficial for me or not.

You're super hard to hear

Is there any USDA rural loan where you can buy a primary residence that you also work from ( home office, shop situation ). I have researched and can’t but was told by a farmer that is how they bought their income producing farm… Thanks!! Great video

thank you

If a collection agency does remove the collection account from my credit when it's paid, will it still negatively affect my credit? Or is it okay to pay the collection if they agree in writing to remove it?

Are you licensed or just knowledgeable either way id like to know where to apply for one!?

The bill for this starts over each year in October and usually isn't approved until March. So it takes forever for the money to be approved, and then it's first come/applied, first served, and emergencies get to the front of the line.

I need help please

Thank you! Im disabled, low income and live in a qualifying area. My issue is that i own a house that should be condemned, so i only qualify for the $40000 loan. Im not 62 yet so i dont qualify for the $10000 grant. $40000 wont even come close to repairing my existing home. I've contacted an approved lender for advice.

Can you give any advice on the best types of lenders that offer manual?

Q7Àq At we the y to

Can you have 2 different jobs for 6 months because one of the jobs was seasonal? My one job is an amusement park which isn’t open all year around. My other job is a school bus driver but it’s part time.

I have work income for two years, but minimal amount, but I now am a sole prop subcontractor in the trades which is now showing income as of last month, is there any home loans I can qualify for?

What about if you never followed through with the BK filed but within 30 days it was dismissed because I couldn't follow through as The state court didn't accept it and evicted us out of my home of 27yrs.

Thanks

You got a reference for eastern WA USDA rural loan for credit in low 600

My Chapter 7 was Discharged in April or May 2022; been homeless and have no new credit.

We’re in process now and this answered the only one question we couldn’t find the answer to. Thank you so much!!

I bought a house using the USDA direct loan and I wonder If the interest rate go down can I still refinance my loan with USDA ?

Could someone clarify the part where it's mentioned that if you've filed for bankruptcy multiple times, you need to wait 5 years to qualify for a conventional loan? I filed for Chapter 7 bankruptcy in 2018 and I'm currently undergoing Chapter 13, with a discharge expected in April 2026. I'm hoping to apply for a conventional loan, so how long do I need to wait before I can qualify?

Can you rent out part of a house with a USDA loan? For example, could you buy a house with a USDA loan and rent out the basement?

In my case no seller wanted to wait for the bureaucratic and the long process and paperwork If you find a seller who is willing to wait, you are lucky. You must sign an option to purchase contract with the owner, it does not have to be our form. We provide this form so that those who do not have one can use it if they wish. The contract should state the agreed-upon sales price, legal description of the property, the address, the time frame to exercise the option, and any agreement between the parties regarding closing costs. Important if there is more than one owner, everyone must sign and provide a phone number or contact information. 2. The title study is done by the lawyer you select from the list. It costs $70 for the first one and if an update is required, each update is $40. For existing homes: Private inspection is different from appraisal. For existing home purchases, you must retain the services of a certified inspector to perform a whole-home inspection and provide a statement that the home meets the Agency's standards for a decent, safe and sanitary property. DSS means a home that is in good condition, clean and weatherproof and that complies with local and state housing and health codes. Any deficiencies noted in the inspection must be addressed as part of the loan. Any improvements to be included in the loan will be subject to an appraisal. We provide you with a list of inspectors but you can use another inspector even if they do not appear on the list. Approximate cost: $350. b. In addition to the appraisal and private inspection, the following certifications are required: Electrical Certification by a certified electrician. Approximate cost: $125 c. Plumbing Certification by a certified plumber. Approximate cost: $100 d. The Plot Plan is a diagram of the lot that shows the features and boundaries of the property. It can be prepared by an engineer or surveyor. Approximate cost $200 and. The appraisal is an opinion of value issued by a certified appraiser and the appraiser is sent by the Agency. It costs $750. F. If the house has a septic tank, a Certification from the Department of Health is required. Approximate cost: $25 g. Termite and other pest certification may also be required. For construction cases: to. A title study is required to verify that the lot is properly segregated and registered and that it does not have legal problems of debts, mortgages, embargoes, encumbrances, etc. b. CRIM Debt and Securities Certifications b. Evidence that the infrastructure exists to connect to AAA and Luma services (If the infrastructure does not exist, the costs of providing these services must be included in the loan) c. Preliminary Plan or Sketch must include percolation test and details of the septic tank to be built. It will be evaluated by the Agency's Construction Analyst. The Analyst may require modifications to it. d. Once the plan is approved by the Agency, you must obtain contact information for three (3) contractors duly registered in DACO so that they can quote us. and. With the approved plan and the breakdown of costs (quote for materials and labor from the selected contractor), the appraisal is requested. Appraisal cost: $750

Thank you!! Is there a construction usda direct home loan out there? 😊

Thank you. What about if I leave my job and go to another state and apply for the USDA loan? My job qualification won't work anymore. Please answer my question. I don't get any video on this. I have a year and a half on my current job. I was a homestay mom before that.

Thanks for info.

I applied in Tucson and I only qualified for 63,000 because I only get disability for income ! Which of course I can not buy a home with that what do you suggest I do thank you

When buying a home from a builder the builder requires a lot fee for the lot, will USDA cover that fee of 1,000-5,000 lot fee to build new construction? and include that fee in the amount they are paying you or will they reimburse you?? for the lot fee that the builder requires before the building starts?

What if you’re self employed?

Are their programs for police officers in Louisiana who are first time home buyers

They have no funding ! so applications are on waiting list for more than a YEAR :((

what grants are there ? I m looking to buy a house in Lafayette . I have very good credit score and want to put the 20% down payment to avoid paying too much interest rates and to avoid paying PMI . I am within the income limit to get USDA and so

you were probably right. It was better to buy in 2023. Everything is even more expensive now despite prices in theory are going down… California is impossible

A credit union is recommending I get USDA loan. They also said it would only take 30 days to close. Their interest rate might be 6.25. I have to meet with their investors. I don't have a property picked out yet. The credit union will start the application when I bring them the paper work. A conventional loan can't close for 120 days.

I don't understand, " easy access from a paved or weathered road." Can I enter the property from a gravel road onto a gravel or dort road that sometimes gets puddles? Will I have time before the appraisal to cut some trees and limbs if the owner approves? What conditions of th house will mot be approved? Are there any videos of inspection that I can you tube?

Is the payment assistance on top of the 1% interest? Or is the payment assistance compared to the 1% interest rate and then they take the lesser of the two amounts?

I'm self employed with my LLC and they wont touch it bc I haven't been in the same industry for two years.

Hi You doing really great job to help others really thank you Please I send already my application and the application now is active after I send all the supporting documents but I received something is call 180 days later can you explain more? What is it and what I can do as next please?

This is such good information.

Hey Channing, just moved to LA last year and found a home to buy. I got decent credit but less than 2 years in employment with current job as a 1099 worker. Is there any kind of help you could offer? FT home buyer as well. Thanks!

Can my wife and I live in the home with our Adult Disabled Child? He’s totally disabled and can’t live independently, can we live there with him part/ full time.

So failed bankruptcy ch13 how long do i have to wait to rent or buy a home?

Why do companies just shut you down if you don’t have good credit score i feel it’s like discrimination they don’t say or talk about options they just flat out say YOU DONT QUALIFY like they don’t care they just run away if your not going to get a conventional loan

If a person hasn’t been keeping their business and personal expenses separate how much more difficult is it to work with? For people who use multiple delivery apps for example.

Hey Channing do you all do any work in the Lafitte area?

Is this Program available with an itin number or it is just for people with Social security number?

Do all of these apply to a construction loan the same way?

What if your co borrow has income but no credit score?