My House Is About To Be Foreclosed On! (What Should I Do?)
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- Опубликовано: 2 янв 2023
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$1052 won't even get you a one bedroom apartment in my area. A house for that price is a steal.
That about what I am paying for a two bedroom little townhouse with a garage and my own little backyard. If I were to sell it and rent I’d be paying more then or around that for a one bedroom.
Plus he can find another roommate.
I seriously don’t understand his problem.
@@CarnivoreStork
Some people don't want or trust roommates.
No way I would buy a home I could not afford to have roommates.
It's Alabama. ~200k house is why his mortgage payment is what it is.
@@blackworldtraveler3711
Back in the ‘50’s-80’s everyone had roommates starting out.
But I would agree now, it’s becoming harder to trust people.
Giving up on a 1k payment monthly for a home is a joke. You’re gonna be in a worst spot if you try to get into an apartment.
Yup, same thing I said.
I would be doing whether I can to catch up on the payments.
Yeah i never understood why they always want to sell the house and rent. I mean they obviously come from a place where incomes are high and house prices are low. So being priced out of the market isn't even on their radar. And on top of that, going back and forth between buying and renting is a huge money waste. It costs way more than being behind a few mortgage payments.
Myself i'm living comfortable in a house that's got under a 50% debt ratio, and that i would be priced out of buying today. Because the average house price is 11 year salaries where i live.
He still might keep it. Dave gave him options to catch up but if his life is unstable worst case scenario he pays half the house and the bank repossess it anyway next time around and you are left with nothing. I wonder if his driving expensive car or has any other debts that may hinder the plan to keep house. We needed more details.
He bought it less than a year ago. He can sell it, make some money, save up more money and get in a better financial situation. He gave him multiple options, but it's clear that there are cheaper rents out there. I ran into one bedroom apartment for like $500 just a few years ago. Yes it was small, like 500 square feet. It was in a decent part of St Louis. Not the most beautiful neighborhood but not the worst. There's plenty of lowering areas he could rent from and save some money if he really wanted to. It's clear he's in a desperate situation though and he can always save up and get another house
@AndroidDigest - Exactly. He can't afford the house right now but in the future he might.its best sell
You're paying less than you can get an apartment for. Keep the house anyway you can.
@@ericcarlin I got that. On another comment I recommend he apply for mortgage relief to get caught up on his missed payments. He can then then fix up his house.
@@dianecelento4974 I agree with this..
You’re not paying less especially in this situation. He should try keeping the house but he will pay more in the short term over renting.
Actually he is not.
He could rent cheaper and pay less each month to heat and cool.
Look it up.
No he’s not. His house needs work he cannot afford. And it won’t stop there, either.
Guarantee he has a truck note of 1000 a month. Got to have that Silverado, f150 and or tundra
And an expensive wife or girlfriend 😂
@@evelyndaisy9722 yup
I’m shocked that Dave didn’t ask him about that.
@@ceciliapetrowsky2572 me too
Yup there’s something he’s not saying.
Very cheap mortgage payment.
He has some other issues like spending habit with debt
His take home would only be around $2800 a month. He’s missed approximately 10 24hour shifts. That’s a $4000 hit to his finances.
Calls like this remind you why Dave is on the air. Thank you for all that you do, sir.
No kidding!! Can you imagine this same call with if it was just Jade and George??!!
Great will be his reward in heaven
@@thefogandthewhirlwind Amen!
See and to me, it is calls like this that makes me realize he should be ready to retire
If he cannot find a rental for less then the mortgage, he should not sell.
He brings home 4k a month. He can afford to keep the house.
Exactly I doubt he can find a rental for cheaper.
After taxes, he does not bring 4k home per month. 48k is peanuts, honestly.
@@Yaya-cl3tu I assume that is take home. Because he always ask for take home pay.
$48k gross does not net $4k per month. Not even close.
@@GwenMotoGirl 48k divided by twelve is 4k.
That payment amount is unheard of these days. I’d do whatever it takes to save that house. You can do this!! 🙌💪
It’s not unheard of he has a 30 year.
@@Bibleguy89-uu3nr It is considering interest rates have gone through the roof now.
And I was complaining that I’m paying 1200 on mines but it is worth a lot more than he’s at 260k .
things have gotten tough when it comes to mortgages nowadays
I bought mine for 81k in 2012 and paid it off in 2021. now it is valued at 240k. I can't imagine going into debt for the prices of today.
Houses here in nyc are one million.
@@adamr.kalucki4347 that is insanity.
I paid 52k in pa 2015 from my uncle who didn’t wanna do the improvements needed to sell the house. Lol. It’s 750 square feet.
He said ugh for 1985 house lol my house is 110 years old and thank god still standing very strong
Mine is one hundred sixty two years old.
Mine was built in 1954. We've done a lot to it as I still had original sinks toilets and bath. I save money then do the repairs. I don't go into debt making the repairs
My house is 75 years old lol but my brother and I had to do some updates on it.
Mine was made in the 80s too but has sever animal damage so my electric is FUGGED...Its not always about a house not being built well...BUT my wifes mothers home is over 100 years old and has plenty of life left :)
Dave had that reaction because the house isn't very old and he knows it shouldn't be having insulation issues. Could be a sign of poor quality that could lead to other issues.
Dave should have asked him about other debts. Four months behind is a lot for someone employed.
Exactly what I was thinking
I work in the Emergency Dept as an RN Educator, and EMTs/Paramedics should be paid way more than what they currently make,, they honestly do alot on the field prior to bringing people to the hospital. Unsung heroes..
48k is good pay in huntsville area
I fully agree. They are some of the most underpaid members of the Healthcare team and a very vital part of it. The work is also both mentally and physically exhausting and PTSD is common.
It's not a big expensive city.
@@blackworldtraveler3711 wrong i live apx 70 miles away you dont
My husband is a paramedic and I agree 💯...
I paid $1100 a month mortgage when I was only making $30k a year. It’s doable if you’re responsible with your money.
Same👍
Thats REALLY tight man! Literally no room for error when making that kind of payment with that kind of income.
@@tezh5897- exactly. Plus all of the repairs and maintenance. He can't afford this house
Hope he can pull through and save this home. Sending positivity his way.
@user-my4iv6pp7l is that better than "sending positivity"?
And hopefully learn from this
@J C Why?
Me too.
I sure hope this young man won't end up losing his home! God bless him!
Dave is about to buy this guys house and he’s going to pay 1,500 for rent
The first thing I’d be trying to do is rent out rooms on top of working extra hours. I’ve met a few people who’ve done kinda extensive (in my mind at least) renovations with some borrowed tools and RUclips university
Having a 3-6 month emergency fund could’ve prevented this. If he got sick and couldn’t work for a while having an EF would’ve provided that cushion. Sounds like other debt is in play here as well.
He got some baby momma payments or a big truck....or both
@@alinatamashevich3354 He's 23 so I doubt he has baby momma payments. He's made some very poor financial decisions and got himself into a hole. He's 23 so it will be okay, he has time to change and learn.
That name tho
@@littleripper312 Yes young men are very responsible . My mistake
@@littleripper312 I’ve known a 23 year old man with baby momma payments monthly to support two kids after the divorce.
i just checked and 1br apt in his area are renting for more than his mortgage payment....he should keep the house and try to get current cause renting is worse !
It seems like he should be able to pull this off. He's got a solid career. New houses can have nasty surprises in spite of having passed the inspection.
I'd much rather have a newer house than older
@@kbanghart his house was built in the mid 80s, that is on the side of a newer property, relatively speaking.
@@klintous uh uh, house in the 80s are almost 40y
ears old and could have any combination of problems that arent cheap
This is the truth. We got our house. Everything passed inspection. Bought in the fall, the septic failed in the winter, and the dog blew her knee out. Then, our daughter was born the following year. Between the dog and septic, it was 35k. Then, 2 years later, she blew out her other knee. 😅
I’m less than half way through this video, and there is more to this story than the caller is revealing.
I don’t think the house is the issue. I mean if he sells it he still needs a place to live and I doubt he will find rent for much less than his payment is. He just needs to work more and get on a budget.
No he seems to have an income vs. expenses issue but in some cases it can't be solved easily.
Horrible advice, it’s a budgeting issue not a house issue. He’s gonna pay the same at an apartment
Try to keep the house. It will be best for you even though you cannot see it now.
Legend has it, after the call the gentlemen bought a timeshare in Hawaii.
if he can't afford this low mortgage payment what makes dave think he can afford to pay rent?
If he can't afford the mortgage payment then he definitely can't afford repairs. Renting is less expensive.
He has better options with renting something as small as a studio apartment with only an electric bill than stuck with a large house he can't afford with multiple bills.
It sounded like his house needed major repairs.
@@superblump87 not in huntsville
@@dknowles60 house repairs are free in huntsville?
1052$ for mortgage? Wow!!!
That's normal for a house that isn't 400k+.
@MrBean Living in Colarafonia Denver average mortgage rate here is over 3500$
@@redfox_84 Depends where you live. A 2 bedroom here is $2500 minimum.
Haven’t heard these type of calls in a while.
Im glad to have a break from “hi i have 1200 in debt only and im trying to figure out how to tackle it.” And by the end of the call they disclose that theyre 80k in the hole with a 400k mortgage. Making 37k a year a toothbrush cleaner
Jade brings in a great energy to Ramsey... love it !!
He just has to quit eating out and going out with his buddies.
He can still go out with his buddies but leave the card back home
You have no idea what you are talking about.
You don’t know if he parties too much or tithes to his church. Or if he eats out all the time or helps other family members financially.
Of course it is obvious from your comments that you are not trying to be helpful or supportive to the guy, who is, after all, a first responder, who works long hours to help keep people safe. Seems like a little compassion might be in order.
THIS IS THE 1ST OF MANY FORECLOSURES CALLS....THE RECESSION IS HERE🥺
this one is fixable
It sounds like he's making excuses. You should never have bought a house.
$1,052/month mortgage at his salary? There is more to the story (debt) than he is saying.
He's 23, he has time to learn from this
@Steven Porter That's what I was thinking. I was laid off four times while my mortgage was over $1100, and still could pay it.
FHA only requires 2.5% down. I know we want to help Vets etc but that is way too much risk to take. if you cannot put 20% down on a house, you should not buy that house.
Well he bought it. How’s that help now?
Can't make $1052 a month. Wow rent would be spot higher.
But likely not as expensive as the heating and cooling on a house with noticeable air leaks and power surges breaking your electronics.
@@Epidombe wrong
@@dknowles60 care to post proof of that?
@@Epidombe you dont live near the area i do
@@Epidombe Wow that is scary but a serious issue at the same time.
In the same boat, but did construction and got too far behind to recover. Just trying to get ready to restart
I’ve always wondered why medical professionals work such unusual and brutal shifts.
23? He sounds like 40?
I know homeboy is in AL but $1100 a month for a mortgage is not bad at all. Don’t know why Dave didn’t ask more about his debt and budget. He likely can fix this and keep the house but more needs to be asked.
If I honestly thought giving this kid $4200 would solve his problems I would give it to him so he wouldn’t lose his home. But there are other hidden issues there.
Try to keep the house unless you can find an apartment for less than $750/month.
EMTs definitely deserve more money. Having said that, what is wrong with this guy!? It's relatively easy to pick up overtime in this field. There is a huge need and this guy needs to hustle a bit more. It's really not that difficult
Why sell the house? $1050 mortgage is probably cheaper than renting an apartment. I don't see where his money is going with just missing some work. No savings? Must have a car note that's sky high.
He’s only $4,200 behind and it was due to a temporary situation. He can pay off a $4,200 debt and keep his house. Next he should work the baby steps and get the rest of his finances in order. I don’t think the house is the problem. I think the debt is the problem. Getting a roommate or two would also change the situation for the better.
Roommates with too little money or no money might make it all worst. In my experience people want to rent rooms because they need a place to stay not because they just want a room... The need creates issues in part because ability to pay is not linked to need.
I'm pretty sure that it is way more than $4,200, you are forgetting late fees, maybe by now attorneys fees if they already started the foreclosure process and sometimes even if you have insurance they will add insurance. I know this by my own experience.
First time I've ever not heard Dave ask, "how much is your car payment?" He may have a 600 car payment.
sell the car for a cheaper one.
Dave 101
I think having other people on with him is very distracting. All they do is agree with him anyway.
No money, no government help, and no help from family about to lose our childhood home need prayers please God bless.🙏 😢
If you owe the bank a $100 your in trouble if you owe the bank a $1,000 the banks in trouble
If you owe the bank $1,000 you're still in trouble. If you owe the bank $1,000,000 then the bank MAY be in trouble.
I'm sure he has other debt the house is not the problem.
I agree. He must have been dependent upon having roommates to help make the mortgage payment. The drafts in the house and the electrical issues probably help drive the roommates away. Sounds like he bought the house without having an emergency fund.
Bought a home he couldn’t afford laced with FOMO.
He can move in with you. Where is he going to live for $1000 a month? mom's
Agreed
@@jackiemehauff66 Depends on how cool your landlord is. The people that used to leach off me were only asked for 200$ each month per person and rooms back then were going for about 400$ per room at the minimum (500 to 600 more typical) so if the landlord offers him a place for cheap it might be a great opportunity.
Rent over 2K and one week behind = eviction and homeless tents in city side walk
Pro tip: houses are not a blessing if you’re living on the margin
I like that "Its not to abuse the system, its to give you peace while you GET YOUR SH&% together"....thats not how he put it, but I think its a good message.
Man if I was about to lose my house I’d strap an N95 on and head to work….
Would have been good to know more about the caller's financial situation. What are his other expenses beyond the mortgage. Maybe a car or other asset could be sold or downsized to raise the necessary cash. We're only talking about a few thousand dollars here.
Lol
True
A 1 bedroom apartment in New Jersey would cost you over $1,200 a month in the majority of the state.
Not so great insulation in the attic and electrical surges are not going to be found on a standard home inspection. The surges are likely not stemming from the house anyway. Homes do not have power conditioner on them. Surges come from your power company.
He’s trying, plus he is 23 years, he needs good mentor. Get roommate…
Bad idea to get a room mate. He can live by himself
He need a home he can afford.
Why would getting roommate bad idea…?
185,000$ dollars house is very affordable house on his salary.
He only needs $1000... Where is he spending his money? He has a three bedroom house too. Get two roommates for $500 a month each and you can make the payments again. Work at McDonald's on the weekend and you can get caught up on the behind payments and not even touch your first job's income. If this was needing an extra $5000 a month like it would be in an expensive area things would be a lot different, but his current situation can be solved without selling.
2022 f150 . 800 dollar note. 300 dollar a month gas and 200 dollar a month comprehensive insurance.
No, his payment is $1052 per month.
Agreed, Dave gave horrible advice. It’s a budgeting issue not a house payment issue. He’s gonna pay the same at an apartment.
@@harrydiaz8122 He might not be able to afford the repairs AND the other expenses so looking for a cheaper solution might be faster than trying to afford what he already can't.
He might be eligible for mortgage relief program (HAF) grant. Please if you're reading this call them and apply. It's a grant that will cover your past mortgage and or property taxes. You never have to pay it back, it's a grant.
property taxes are in the mortage payment unless the guy put down 20% dont think the guy out down 40k
@@dknowles60 he did FHA even if you put 20% down pmi it’s required and Tax & insurance to be included regardless of down payment in FHA loans!
There is another option to get a cash buyer for your property that can buy and close in 2-3 weeks. That way you can sell your property even before it gets to the foreclosure stage.
Recently my mentor Smarty shared a story about a woman from PA who was just 1 week away from her property taken away from the bank.
She saw the ad from Smarty and called her who in turn got her a Cash plus deal where the cash buyer not only purchased the property at the fair market price but also fixed it and resold and shared the upside with her. Do not let the banks take away your property, equity, credit rating, your self esteem and your peace of mind.
I would work a bunch of overtime and get current on the mortgage then keep working overtime save that money and repair the house after that you can choose to get a roommate if needed because mortgage probably isn't much more than a one-bedroom apartment
The question that comes up in my head,this caller said he was four months behind. When money starts coming in,for him does he have the option of paying the current month or does the money go towards the back due payments and fees and then going forward, you treat it like a debt snowball pay as much as I can when the money comes in?
Don’t waive the house inspection!
Don't sell the house! How can a single guy making a base of $48k with potential to go get more hours not manage to find $1000 per month?
He’s probably only bringing in $2800 a month just for his base take home pay. That’s not a whole lot when you factor in other bills. He probably has medical expenses along with missing pay due to missing work. If he misses 10 shifts that’s approximately $4000 in missed take home pay.
If he got sick because of his job he should have been covered by Workman’s Compensation.
No reason to sell the house to only start paying 50% extra for rent.
Why can’t he get roommates now?
A 3 bedroom for a single guy is too much house unless you are house hacking
also has sick time
Has to be an injury
Ramsey Realtor is going to sell it to Ramsey.
lol TRUE! $$$$$$$$$$$
How did no one stop Dave and ask why he would list the house for sale if he's planning to work overtime and get current on the loan? You only need to do one or the other
Interrogate the hell out the guy dag! lol
In the good times you need to prepare for the bad times
Lots of good info from Dave here and actual help, really nice. Hope the guy pulls through and learns, that’s weird he doesn’t have a few thousands emergency fund to use now.
good info?
he told him to sell the house
@@summerforever6736 Where he told him to sell? He said to work more and save the house and gave practical info about how foreclosures work, like you need to be behind 6-7 month etc.
@@rainacherienne1010 he said to get in touch with his agent
@@summerforever6736 True, in case he won’t pull through, it’s good to prepare for the worst.
Sounds like to me like he’s not working enough. Dave didn’t ask about what other debt he has which plays a factor on him not being able to pay his CHEAP mortgage. Good luck finding rent for anything lower.
He can find rent for cheaper than that mortgage which is pretty cheap. Should have never bought a house at 23 years old.
He can find cheaper rent, i live in texas and paying 879 a month including renters insurance and there alot of apartments being built rn this year
@@unfairsanic5089 what part of texas?
Dave given bad advice just to help the realtors that pay Dave.
I would stop paying all my other debts and bills for two months and use my full paycheck to clear my mortgage. I am assuming he has no kids. But i get the feeling he is tired of this house.
but rent will always go up
@@dknowles60 but people in his situation don't always see that
Can't make a $1050 house payment while making $48k?
Hoo boy...I think there's an awful LOT we're not being told here.
(He's been slacking on the 4+ days he has off every week.)
He is poor at managing his money. He makes enough money but he is immature. Even if he sells and move to renting, he is still gonna be facing eviction. 48k and can't afford 1k a month?
Well depends on what the issue is.....
No excuse for not being able to pay rent/mortgage if you make 4x the rent/mortgage, none
@@anacorreia8058 Well you do realize there are people out there who have bought some stuff at such a high price they can't pay right? I used to live with one dude who made 600$ and he could not pay 200$ often. And another dude made at least 800$ but also could not pay 200$ (because of child support). So those two are proof making multiple time the rent amount does not make people able to pay!!!! Nothing personal but you seem to think in theory not in reality.
@@donaldlyons17 in reality you don’t do business with people that make $600 or $800 a month , they should make this per week or more
@@pawelwisniewski6849 Well income is income. It is not like everyone is making 600 to 800$ per week!!!! You do realize someone making 2000 per month only makes 500 per week? And plus places to stay have been getting more and more expensive and it is also possible to make less than it cost to break even anyway.... Also talking about what people should be making has little to do with what people do make but the point was that there are factors besides income that effect ability to pay. Beggers can't be choosers....
Congratulations!
I feel as Dave has a good heart you can hear in his voice as how much he wants to help this fellow and being himself in that place in his life he understands and connects with caller(s).
Maybe Dave should start a non-profit to help the truly deserving out of rough financial spots.
I think he should keep the house
I do not know about this type of loan, what happens when you fall behind? do you just incur interest, or are there penalties? the thing that concerns me most about debt is that if you fall behind, the penalties practically ensures that you can never recover - for many people
There usually a monthly penalty for late payment. It isn't a lot 20 or 30 dollars.
My husband, a nurse had Covid, he was almost dead, he was in hospital for 2 weeks and sick 2 before and after he was on oxygen for 3 months couldn’t work, I took care of him and our little boy. He finally was able to recover and got another job. Them he got Covid again he was weak, lost so much muscle, he missed more work then had to get another job then again he got sick! We were able to defer payments. Thank goodness. My house was purchased as a foreclosure at 90 I put down 20. It’s now worth 200-250. We now owe it 50! It was close !
We are going to get a lot more housing issues with the people who did not get inspections due to the housing craze. Expect a nice 10% dip at least.
most houses can be repaired cheap
Should try to sell it on his own for 30 days while he gets his finances together instead of losing 5-6% to a realtor right off the top. Dave telling him his house will sell quick at that price is short sighted at best. Plenty of cheap houses in Huntsville and newsflash the buyer pool has dried up
Right. Sounds like a lot of things wrong with house that has to be disclosed and decreases value.
5-6 % for a realtor ?! Here they sell your house for 1.25-1.75%. Looks like realtors are really making bank off of you suckers lol.
Selling the house sounds like a dumb idea. He might end up being priced out of the market. I know that it's hard to believe in areas with high incomes and cheap houses. But even in America houses are now 6.5 year salaries. I know thats it's not yet 11 year salaries like it's with us. But i would be carefull nonetheless. Lots of well paid professionals are stuck renting the rest of their lives because they didn't buy in time.
I didn’t realize that EMT’S we paid so low.
Dave, you need some mortgage pro's on your team. This guy should ask about a loan remodification. He needs to work with his current lender to explore his options.
been there My banks stated we dont need to any thing PMI will pay us if we have to Forclose
The wisdom 🙌
Yep...too young. "I realize I got myself into a situation."
EMT's can pick up all the extra hours they can handle with other agencies, or non emergency patient transport. There are many more medical calls than fiire/rescue. I'm glad he is 24 and can handle it. What can you rent ofr $1000? I think the caller can work his way out of this.
he can
Wait. Catch up on the mortgage payments AND put the house up for sale? Seems like one or the other should be the plan...
The house could take a while to sell, especially if it's not in the greatest condition. It's probably best to do everything he can to solve the problem and not place all of his bets on the house selling in time.
It sounds like he has a spending problem.
you can drive uber and afford that house payment, something else is going on
I’d try to find a way to make that work because it seems hard to event rent somewhere for materially less than $1K a month. I’d be hunting for some roommates or something but hard to let go of a cheap home unless you can replace it with something much cheaper.
Depends on the location. In certain parts of Texas you can rent a 1 bedroom for $500-$600/month. You can't even get a room for that amount in my state.
Get a roommate or AirBnB those extra rooms. Apply for a loan mod. Don't sale your house.
DAVE, WHERE IS HE GOING TO LIVE FOR A $1000 A MONTH? YOU SAID YOURSELF, THAT THE HOUSE IS GOOD VAULE. .......BAD ADVICE!
Bad advice. He needs a personal loan to get current and then work overtime.
Rent is probably 1600 in his area. You expect him to pay almost half of his income for rent?
Dave is not a fan of loans to put it mildly
A personal loan is a good idea, but there's a high chance his Debt-to-Income Ratio is out of whack, so he will not be qualified at this time.
Adulting is too hard for this kid. He doesn't want the responsibility.
Depends on the problem because he already had renters before....
Everything is everyone else's problem.
1985 is a new house not even 40 years old. Most homes around me are like 70 - 100 years
You can't do a short sale on a FHA loan without being reviewed for a loan modification.
the FHA wount do any Loan Modification their view is that is What PMI is for
Hope he can keep it that’s good he has some time
I am facing same kind of problems.I might loose my first house that I love…I have only 6/7 weeks left.
Any advice will help…
God belss
What is your advice if the bank/lender threatening to foreclose is a second mortgage? It was initially a HELOC many, many years ago that they termed out and made a regular loan. The balance remaining is only around $18K (monthly 290.00) but did fall several months behind. Just received a summons that they are planning to foreclose. They also named my HOA in the suit!!!
People like this raises the price/costs for normal responsible people that have a mortgage. 🙄
Come on!!! Get as many shifts as you can and get current!!!
This gonna be a lot of people this year. They played y’all. 😂
Food house bills and fuel are insane right now tho so this strategy is hard!
most houses will soon be under water. example: owe 400K and worth only 200K
Only if one owns money on it!
SELL THE CAR!!!!!!!!
Rice and beans
Can't afford that on 48k, sell the house ASAP