One of The worst scrolling of all time..all those beatiful home that i want but have no money ..plus frustration that prices is so high..almost gave up and just keep renting to death
Don't just walk the neighborhoods you're looking at..........drive around them at night. When you live in a city, a place can look nice in the daytime, but turn sketchy at night. It's changed how we look for places to live.
Hi there! Thanks for watching my video and for sharing your tip. It's definitely helpful to explore the neighborhood you're interested in both during the day and at night to get a better sense of what the area is like. If you're ready to take the next step, you can start a pre-qualification process at www.winthehouseyoulove.com/lender. Best of luck in your homebuying journey!
We doom scrolled for a LONG time and I would easily get upset when houses I liked went under contract. Once we went through the pre-approval process and found a realtor, everything went really fast. In the time span of about 3 weeks, we saw about 6 houses, made 3 offers and are currently under contract in the home appraisal stage. We're so close I can't wait!
@ClassicGoldCigarettes congrats that's awesome! Were you able to get the house at the listing price? Every home around me right now in NJ (the decent ones) is going for over the asking price, sometimes $50k over, craziness.
I really recommend you get a preapproval and use your buyer agent to your outmost advantage, if he is any good you will get many comps before you even make an offer to a home. As soon as a home enters the market the buyer agent will send an updated list of homes you have yet to see in your approval range. I got my preapproval in July 2022 by 3 different banks but my personal bank provided best offer and had a bonus that covered $3000 in closing cost, was shown about 10 homes, made 3 different offers and closed on 1. Buyer agent was able to recommend title agency, insurance, and home inspection. Really made it simple. First time home buyer.
I followed your steps and have been in my home since 2022! At 28 all I can say is it can be done. Thank you for all the amazing info. We would not have gotten this far without you.
This is all great advice 👍 👌. A house is not an asset it takes money out of your pocket . You pay a mortgage, maintenance, taxes, insurance, and utilities yearly. Buy within your means and enjoy your home stress free ✨️ 😉
Timing your home buying around the time your lease is up . Give your self about 6 months to clean up your credit. Talk with your lender on what paperwork u will need to provide and put it all in a folder that’s easily accessed . Build your down payment and it has to have aged in your bank account so they know it’s your money . Fix your debt to income ratio . Have email access on your phone so u can give all the necessary info that u have in your folder in a timely manner and follow the same day to make sure they got it this cut down the buying process a lot .
Thank you for your video. I’m a single woman in my 30s ready to buy my first house and I don’t talk to my dad or have trust worthy people in my life to do this with me and I’m grateful for you 😊
I watched this video two weeks ago, got my mortgage broker and realtor in the same week, house shopped and put in an offer in the same day, and now my closing date is in 40 days. I was expecting everything to take months, but I guess I found the right mortgage lender, realtor and home at the right time. Fingers crossed!
Hi! I’m a realtor - most closing processes take at least 60 days. Some take a lot longer, I just worked on closing a co-op sale with a difficult board, and that closing took well over 75 days.
Hey there Small People, thank you for sharing your experience with us! You're absolutely right that the closing process can take some time, especially in certain situations. It's always important to have an experienced team working with you to ensure everything goes smoothly and as quickly as possible. If you or your clients are ready to start the pre-approval process, feel free to check out www.winthehouseyoulove.com/lender or reach out to me directly at kyle@winthehouseyoulove.com. Thanks for watching!
60-day closing process! I just sold my place and closed in 21 days. Then I bought my new place and closed in about 28 days. The lender doesn’t even start working on your file until the last week and a half 🤦🏽♂️
Put this to work and closed on a home last week! Took longer than I expected (It was new construction) but otherwise everything in this video was right on the money. Legitimately reviewing needs versus wants BEFORE going on an engaged house search was a massive help in filtering through listings.
Me and My fiance looked at houses for 1 day with a realtor. We came with a list of addresses we were looking at, and made the decision on what house to buy that same day. I was seeing too many bad deals (after we saw what was on the inside) for weeks online and recognized a decent deal even if it felt too soon to find and take. I'm very satisfied with our purchase, especially in the market we were looking at. Funny enough, most of what you are saying is things we did. Only thing i would on at the begginning is make sure you are REALLY looking for a house. It feels like a lot of people treat it like window shopping for a house vs really getting into it, and then they let a good deal slip by and refuse anthing less than what they found while they were only window shopping.
My husband and I just finished the application to get the pre-approval to see what we qualify for and honestly your videos have been golden these last couple of weeks thank you so much
This is so helpful! I've been feeling so overwhelmed knowing that there is much to do, but not sure which order to expect it in. This video really helped put me at ease. Thank you!
Nice video, but in this current market there really isn't much back and forth between buyers and sellers right now. Any half decent property will set a final and best deadline for offers and then pick whichever one goes the highest over asking with the fewest contingencies.
This is not true for every market in the country. Some markets such as yours may be this way. There are plenty of other markets in decline that there is negotiation going on. The housing market isn't national but very much local.
Thanks for the replies. My market is still really tough with houses selling within a day or 2 after listing well above the listing price and with numerous concessions from the buyer. (I'm in Pittsburgh).
@@dpj731 same here, and in general, “affordable” (small) homes are simply not for sale. There are no starter homes, no small homes. Nobody in those homes can afford to leave them, they cannot afford to move up, many are too afraid of this economy.
Anxiety and frustration. Nailed it right on the head. Are you a therapist on the side? Lol No but seriously this was very helpful, comforting, and substantive. The most frustrating part lately has been the lack of inventory= lack of affordable homes.
We have been trying for three years. We have been told you need more money but you make too much for help. Now you need more, and now more...now we cant find a house we like with a payment we can stomach. My first house when I was poor I got right away...wish I hadnt sold it...
This was perfect! I get back from a 6-month overseas trip in September and hope to buy a house and move in by December. This was a very helpful guide and timeline to get this done effectively!
I’ve been watching your videos for a while then I came across this video Buying a house in 3 months I think I watched this video over 20x I’m happy to say that I started this journey in May following your advice to the letter my wife and I close on our first house tomorrow August 28th keep up the good work and thank you for sharing this video
Hey Nelly Nellz! Thank you so much for your kind words and support. I'm thrilled to hear that you found the video timeless. It's always great to know that the content I create resonates. If you're ever ready to take the next step and start on a pre-qualification, feel free to visit our website at www.winthehouseyoulove.com. Thanks again, and have a fantastic day!
Great video ❤️. I bought a house almost 1 year ago, I still haven’t sold my old house 😂. I love my new house so much that I haven’t wanted to make the the effort to finish getting the old one ready (it’s an hour away). I will say, 2 mortgages sucks, and I’d really like to to roll the $250k equity into this new mortgage :)
Here’s the problem. People that are in “decent shape” enough to buy a home “right now”…are technically only ready to buy when it was 4 years ago. Yes, 2019. People still make what they make, but prices and rates are WAY higher, and there’s no “affordable” home inventory. I went from being prequalified for upwards of $380k a year ago, to $150k now because of rates. There weren’t any homes I could afford in my area when rates were 2.7%. Prices haven’t gone done, not many starter homes hitting the market at all. What’s the point? Worst time in history to buy.
Yeah..i make more money now after paying off 45 k in loans ..cars payment ..loans payment ..but stuck since houses so expensive..interest rate so high ..no way i can afford a 4000 k ler month when i can renting 1900 a month ..
@@robertnguyen2025 and same here for me!! Paid off all credit cards over a couple years (about 2/3rds what you had), saved a down payment, perfect credit…… Would have to virtually double my income, and my income is considered to be good too.
Great video and the best point is at 17:35 talking about the most underrated part you say, which is super important to walk/drive the neighborhood to get the vibe of where you're spending your hard earned money to spend years there living.
Hi Sushi Sniper, thank you for watching the video and taking the time to leave a comment. I'm glad you found the point at 17:35 helpful. It's definitely important to get a good feel for the neighborhood before making such a big investment. If you're ready to start on a pre-approval, you can visit www.winthehouseyoulove.com/lender or email me at kyle@winthehouseyoulove.com. Thanks again!
Helpful! Thrown in the mix is I have a maximum resale value on my current deed restricted home and an out of state job offer with a strict start date 😂 and it’s mid-school year for my special needs son. God can do this!!!
Back again. I watched this video some time last year and tried to follow it (and the 6 month plan) to a T. Everything was smooth except the “finding a house” part. The doom scrolling set in once it seemed like the search we had set up through our agent wasn’t pulling houses we wanted to see. I’m now officially burnt out, two-ish weeks from my lease ending with nothing lined up, and trying to decide what to do now. This market is brutal. Especially in an area everyone is moving to right now.
Ask your Realtor to try to make some off-market deals for you. For example I find absentee owners, or fore sale by owner, or people who haven't even thought about selling their homes and convince them to sell if the offer makes sense to them.
Wow how you’ve grown lol . I remember I used to watch alllllll your videos 2 months prior to me purchasing my home last year in may ❤ thank you ! All the info really helped me understand what the banks don’t even tell you . Like the what they look for when they ask you to send in all those documents they ask for ect…
I just put an offer in, they accepted, did the home inspection and turns out the 20 year old home, also had 20 year old furnace, Ac, and apparent roof damage, were just hurt and shocked how much was really wrong. Best 400 I spent ever, roof might be 20k in repairs with a max 13k credit from lender
I like this video and searched for your website, the only thing I do not like is that I cannot locate a phone number to talk to a person on the phone, I do not like doing my business with my finances via online only.
We have a calendar scheduler for a phone call when you click "Get Pre-Qualified". We have to do scheduled appointments, if we post a phone number online for people to call anytime we will not be able to keep up.
Can you explain why the home inspection comes after the buyer makes an offer? Is there an opportunity to get that done before the offer to help inform the buyer's offer price/negotiation?
When you make an offer on a home, it allows you to secure the property, preventing other offers from being accepted while you determine if it's a good buy. This is beneficial because if you had an inspection done before making an offer, the home could go under contract with someone else, meaning you would have wasted money on that inspection. Also, consider that you might be interested in 25 to 40 homes but only seriously considering making an offer on three. If you got inspections for all those homes to decide which ones to bid on, you’d not only waste money but might miss out on the opportunity to make an offer while waiting for the inspection results. It’s similar to selling something on Facebook-would you hold your item for someone who says they might buy it after they check it out, or sell it to the first person ready to pay? Making a offer first is showing a commitment to buy ,given the inspection comes back in your favor, and allows you to tie up the property while waiting on the inspection. Every state is different but if your offer is written correctly your offer will be contingent on the inspection coming back satisfactory. If you don't like the results of the inspection you will be able to back out of the offer
i spent 2 years and put in 12 offers. Im looking for walkable areas and refuse to own a car as its a pointless expense in the remote age. turns out everyone in the city wants walkability in American cities, but America doesnt like to build practical hosing so its scarce i realized after a long hard look im better off moving overseas to avoid being house poor and still being able to retire . i have a very high income, but unfortunately my competition also has a high income and Im starting much later then them . Ill just have to save even more and make the leap. I will own a home it just not in the cards in America.
Where I live the houses are under contract prior to being posted on Zillow because the real estate agents buy them from their clients so that they can rent them out. Major conflict of interest
A big issue me and my partner ran into was the closing time on our townhome, a tenant was given a 90 day notice to move out and we waited and stressed out that entire period of time about the move-in. Of course if it's a good deal go for it, but be realistic about the period of time you're willing to stress out about moving in.
That’s what I did for awhile…doomscrolling. I wasn’t ready mentally yet either and back then I could not deal with the COVID frenzy. So then I just put it all on the back burner. What is harder for me is “decide what you actually want.” It’s also more like what I want is more to do with what I can manage to get for my budget price. Do you have any advice on how to “shop” all that time in another state? (When moving out of state). How does one actually keep up and be ready to roll if they’re not living there yet?
recently im seeing so many people say they expected the process to be grueling but it was short lived and simple for them. weird. because i also expected it to be grueling but i guess not.
It would be helpful to know the responsibilities of a lender. The last slide was helpful. But a little unclear to me on what is the lender responsibility and what is the home buyer responsibility. Who does the title search? Do we hire someone or lender does. Appraisal you mentioned lender sends. Home inspection I assume is done by the homeowner. Do we need to hire a real estate attorney? If so what is there responsibility?
Feel like I’m being attacked for scrolling through zillow lol 😂 Thank you I needed this. Been on the fence, contemplating whether I should wait for rates but now I’ve decided to start the process and I needed a guide Appreciate this!
None of this matters btw if the interest rates are just too much for most of the population. Currently 32 and live in my parents house in nyc since i make 65k a year have 120k saved but none of that matter since houses within 1 hr commute is just too much and i refuse to move further then that since thats just pushing it. I also refuse to pay anything over 6% for interest rate so ill wait more if i have to.
question!😁 Will you be a first time home buyer? The reason that I am asking this is because usually your first house is not your last house. I am saying this to say that interest rates should not be an end all be all because at the end of the day interest rates are a gamble but the good thing is that you can always refinance if the interest drops. Homes gain equity so in a few years you can sell that home and get a bigger one or rent it out and use it as cash flow.
@mariea2277 issue is that i have only have 2 options and neither is favorable :buy a house that its mortgage is gonna be more then 50% of my income :have a 2 hour commute which will mentally destroy me
@@RealMTBAddict120k means nothing when my mortgage patment will still be over 5% of ky income buddy. And my parents would rather me stay since i pay all the bills regardless 😂
Home values will continue to fall well beyond a decade. Too many people locked in record low rates, for RECORD HIGH COSTS. Prices only need to decline about -10% for catastrophic results. Risky HELOCS, Airbnb busts, and decade long value declines, combined with commercial real estate in the red, across the board. Foreclosures are only now starting to uptick. Supply is increasing, NATIONALLY. This bottom won't show until the mid 2030's at the earliest. -40% when the dust settles. God bless, America.
if you knew you were going to die next week would you stop living life to the fullest or would you start living life to the fullest? This is what your comment looks like to me lol regardless of all that will happen and all that could happen that shouldn't stop you from living life in a way that makes you happy. Hasn't COVID taught you anything about life? Who wants to live life planning for the what-ifs when it is a proven fact that 90% of what-ifs never happen? Besides by 2030 THE NEW WORLD ORDER will be in place. lol
Thank you for this helpful information! Question - during the appraisal, is this based on what the inspector found? Can you negotiate the original offer amount if there were issues for example? Also how much do appraisal costs usually range from?
Very detailed and informative, I Enjoyed it. Random question... what setup or program you used for your presentation. Thought it was exceptional, Thanks!
Makes sense! When moving to a place you're unfamiliar with, I think renting for at least a few month is the best option. It's unlikely you'll be able to narrow down a neighborhood you'll love and want to spend 5+ years in without living in the area for a while
or have your realtor send you some information on the cities and websites to search for information on the cities that you want to live in. I am a Realtor and I live in a military town and this is done often. I had to Facetime my clients during different times of the day and take a walk around the block and Facetime them and show them a few things about the area. Most realtors from here will do this also because this is normal to them. If you are looking to move somewhere and live there for the rest of your life then yes you should probably rent for at least a year and explore the area before buying.
Hey Van G! Great question. When buying a modular home, the process can be a bit different than a traditional home. With a company like Pratt Homes, they might have their sales team to help you, so you don't necessarily need a realtor. However, having a realtor can still be beneficial to represent your interests and help you navigate the process. To get started on a pre-approval, feel free to visit www.winthehouseyoulove.com/lender or shoot me an email at kyle@winthehouseyoulove.com. I'd be more than happy to help you out! 😊
Hey there, thank you so much for your support and kind words! I'm glad to hear that you found the video valuable. If you're ready to start on a pre-approval, feel free to head to www.winthehouseyoulove.com/lender or shoot me an email at kyle@winthehouseyoulove.com. Thanks again!
QUESTION: We were told to save a bunch more for a down payment. (1st time home buyers). We want to withdraw money each payperiod and put it in a safe to prevent the possibility of spending it. However, when we go to deposit it, will lenders dispute the "large deposit". We were thinking of just keeping withdraw slips and having them scanned into a PDF to prove that it original came from a verifiable source of income (primary jobs) over time and does add up to what we would be evenually depositing. Would this be sufficent? The amount would be about 40k.
Could cause issue o how u got money . Even u get money as a gift they have put it in writing . They usually want to see money in your bank account that has been their for a couple of weeks . If u still have t bough the house yet I would write down all my question I have and call my lender to see if their is any issues with your plan . But my advice would be to buy a cheaper home if u feel u are struggling with a lot impulse buys . And one of the major rules when buying a house is not to open any new lines of credit are charge your credit cards since that will throw your financial numbers off
How would this process be any different if you are just looking for land instead of land and a home? sorry for the noob question am new to this whole process
Hey Trevor, no worries at all, we all start somewhere! The process can be slightly different when you're just purchasing land. Some lenders might require a larger down payment and the loan terms could vary depending on the land's location and whether it's already developed or not.
![Stromae, Pomme - “Ma Meilleure Ennemie” (from Arcane Season 2) [Official Visualizer]](http://i.ytimg.com/vi/1F3OGIFnW1k/mqdefault.jpg)
There's also the saving phase :) took me 18 months to save $40k for my DP/CC on my own without help. Long af but doable with patience!
Awesome! 💪
Yeah, I've saved a little over 13k. I think that's enough lol. Time to jump!
@@radiantlibra87which state are you searching in?
This is the comment I needed to see. Saving up for a DP is most important. Thanks
Damn you must make a ton of money i only make 50k a year before taxes so you saved more money then i make in a year after taxes
Doom scrolling is one of my favorite past times😂
😂
One of The worst scrolling of all time..all those beatiful home that i want but have no money ..plus frustration that prices is so high..almost gave up and just keep renting to death
Same, I’m so good at it 😅
Facts 😂
SAAAAAMMMMEEE
Don't just walk the neighborhoods you're looking at..........drive around them at night. When you live in a city, a place can look nice in the daytime, but turn sketchy at night. It's changed how we look for places to live.
Hi there! Thanks for watching my video and for sharing your tip. It's definitely helpful to explore the neighborhood you're interested in both during the day and at night to get a better sense of what the area is like. If you're ready to take the next step, you can start a pre-qualification process at www.winthehouseyoulove.com/lender. Best of luck in your homebuying journey!
We doom scrolled for a LONG time and I would easily get upset when houses I liked went under contract. Once we went through the pre-approval process and found a realtor, everything went really fast. In the time span of about 3 weeks, we saw about 6 houses, made 3 offers and are currently under contract in the home appraisal stage. We're so close I can't wait!
Congrats!
update??
@@202WinkProductions Sitting in the living room of that house right now. Not a regret to be had.
@ClassicGoldCigarettes that's fantastic!!!!
@ClassicGoldCigarettes congrats that's awesome! Were you able to get the house at the listing price? Every home around me right now in NJ (the decent ones) is going for over the asking price, sometimes $50k over, craziness.
I’ve been looking since 2021 for my first home and your videos helped educated and guided me on so much . I finally closed on my first home March 22.
what state do u live in? and what kind of loan did you get ? im looking to buy soon
AYo !??? 2021 was mid covid interest rates where in the 2% !!?? Are you sure you’re actively trying to buy a house ?
@@view13s8 what state are you in?
I really recommend you get a preapproval and use your buyer agent to your outmost advantage, if he is any good you will get many comps before you even make an offer to a home. As soon as a home enters the market the buyer agent will send an updated list of homes you have yet to see in your approval range. I got my preapproval in July 2022 by 3 different banks but my personal bank provided best offer and had a bonus that covered $3000 in closing cost, was shown about 10 homes, made 3 different offers and closed on 1. Buyer agent was able to recommend title agency, insurance, and home inspection. Really made it simple. First time home buyer.
Who is your personal bank?
@@p8p3r3dp3tals Chase Bank, I got preapproval from BofA and Wells Fargo as well.
I followed your steps and have been in my home since 2022! At 28 all I can say is it can be done. Thank you for all the amazing info. We would not have gotten this far without you.
In California too forgot to mention
This is all great advice 👍 👌. A house is not an asset it takes money out of your pocket . You pay a mortgage, maintenance, taxes, insurance, and utilities yearly. Buy within your means and enjoy your home stress free ✨️ 😉
Timing your home buying around the time your lease is up .
Give your self about 6 months to clean up your credit.
Talk with your lender on what paperwork u will need to provide and put it all in a folder that’s easily accessed .
Build your down payment and it has to have aged in your bank account so they know it’s your money .
Fix your debt to income ratio .
Have email access on your phone so u can give all the necessary info that u have in your folder in a timely manner and follow the same day to make sure they got it this cut down the buying process a lot .
Thank you for your video. I’m a single woman in my 30s ready to buy my first house and I don’t talk to my dad or have trust worthy people in my life to do this with me and I’m grateful for you 😊
You have balls buying a home by yourself. It’s very rare to see a single woman have a home. Good for you. 👊🏿👌🏿👏👏👏
I’m 34 single too and looking to buy my first home
Man! It's obvious you put a lot of work into this. Great work! It's very helpful!
Thank you! Appreciate it. :)
I watched this video two weeks ago, got my mortgage broker and realtor in the same week, house shopped and put in an offer in the same day, and now my closing date is in 40 days. I was expecting everything to take months, but I guess I found the right mortgage lender, realtor and home at the right time. Fingers crossed!
Hi! I’m a realtor - most closing processes take at least 60 days. Some take a lot longer, I just worked on closing a co-op sale with a difficult board, and that closing took well over 75 days.
Hey there Small People, thank you for sharing your experience with us! You're absolutely right that the closing process can take some time, especially in certain situations. It's always important to have an experienced team working with you to ensure everything goes smoothly and as quickly as possible. If you or your clients are ready to start the pre-approval process, feel free to check out www.winthehouseyoulove.com/lender or reach out to me directly at kyle@winthehouseyoulove.com. Thanks for watching!
So...is this a residential purchase?? Difficult board??
@@kiaharper7172 cooop
60-day closing process! I just sold my place and closed in 21 days. Then I bought my new place and closed in about 28 days. The lender doesn’t even start working on your file until the last week and a half 🤦🏽♂️
Put this to work and closed on a home last week! Took longer than I expected (It was new construction) but otherwise everything in this video was right on the money. Legitimately reviewing needs versus wants BEFORE going on an engaged house search was a massive help in filtering through listings.
Hey YorinLuck! Thanks for watching the video and congratulations on closing your new home!
“Seeing homes and wondering and why you’re not able to purchase one” 😂 definitely me as I scroll through Zillow.
😂
I have a 2 year plan. Knocking debt down completely and adding income. Plus fixing up my current home. Im selling and moving out of state.
Me and My fiance looked at houses for 1 day with a realtor. We came with a list of addresses we were looking at, and made the decision on what house to buy that same day. I was seeing too many bad deals (after we saw what was on the inside) for weeks online and recognized a decent deal even if it felt too soon to find and take. I'm very satisfied with our purchase, especially in the market we were looking at. Funny enough, most of what you are saying is things we did. Only thing i would on at the begginning is make sure you are REALLY looking for a house. It feels like a lot of people treat it like window shopping for a house vs really getting into it, and then they let a good deal slip by and refuse anthing less than what they found while they were only window shopping.
That’s really good advice!
his voice is so relaxing to listen to 🫠💖
Doing an inspection on my new house tomorrow. Wish me luck. I signed the contract on viewing day. I think the realtor liked the promptness.
My husband and I just finished the application to get the pre-approval to see what we qualify for and honestly your videos have been golden these last couple of weeks thank you so much
This is so helpful! I've been feeling so overwhelmed knowing that there is much to do, but not sure which order to expect it in. This video really helped put me at ease. Thank you!
Nice video, but in this current market there really isn't much back and forth between buyers and sellers right now. Any half decent property will set a final and best deadline for offers and then pick whichever one goes the highest over asking with the fewest contingencies.
This is not true for every market in the country. Some markets such as yours may be this way. There are plenty of other markets in decline that there is negotiation going on. The housing market isn't national but very much local.
All markets are different. This is just general guidance :)
Thanks for the replies. My market is still really tough with houses selling within a day or 2 after listing well above the listing price and with numerous concessions from the buyer. (I'm in Pittsburgh).
@@dpj731 same here, and in general, “affordable” (small) homes are simply not for sale. There are no starter homes, no small homes. Nobody in those homes can afford to leave them, they cannot afford to move up, many are too afraid of this economy.
"Doom scrolling" lol I am guilty. I'm glad I found this.
Anxiety and frustration. Nailed it right on the head. Are you a therapist on the side? Lol
No but seriously this was very helpful, comforting, and substantive. The most frustrating part lately has been the lack of inventory= lack of affordable homes.
Took the words out my mouth.
Your voice is perfect. ❤ Thanks for the info.
We have been trying for three years. We have been told you need more money but you make too much for help. Now you need more, and now more...now we cant find a house we like with a payment we can stomach.
My first house when I was poor I got right away...wish I hadnt sold it...
This was perfect! I get back from a 6-month overseas trip in September and hope to buy a house and move in by December. This was a very helpful guide and timeline to get this done effectively!
Thank you so much for watching!! :)
I’ve been watching your videos for a while then I came across this video Buying a house in 3 months I think I watched this video over 20x I’m happy to say that I started this journey in May following your advice to the letter my wife and I close on our first house tomorrow August 28th keep up the good work and thank you for sharing this video
Thanks for the info! ZILLOW DOOMSCROLLING IS SOOOO REAL! 🤣 Nice haircut, btw!
😂 Thanks for watching!
This video is TIMELESS! Thank you.
Hey Nelly Nellz! Thank you so much for your kind words and support. I'm thrilled to hear that you found the video timeless. It's always great to know that the content I create resonates. If you're ever ready to take the next step and start on a pre-qualification, feel free to visit our website at www.winthehouseyoulove.com. Thanks again, and have a fantastic day!
Great video ❤️. I bought a house almost 1 year ago, I still haven’t sold my old house 😂. I love my new house so much that I haven’t wanted to make the the effort to finish getting the old one ready (it’s an hour away). I will say, 2 mortgages sucks, and I’d really like to to roll the $250k equity into this new mortgage :)
I just recorded a personal video reply for you: vid.us/gogv3r
@@WinTheHouseYouLove will you marry me 😇. Thank you for your kind response. I want to sell..
I know homes are prettier than loans, but this is great advice. Budget and talking to a Mortgage Broker for pre-approval is key. 👍
Well said! Thanks for watching. :)
Here’s the problem. People that are in “decent shape” enough to buy a home “right now”…are technically only ready to buy when it was 4 years ago. Yes, 2019. People still make what they make, but prices and rates are WAY higher, and there’s no “affordable” home inventory.
I went from being prequalified for upwards of $380k a year ago, to $150k now because of rates.
There weren’t any homes I could afford in my area when rates were 2.7%. Prices haven’t gone done, not many starter homes hitting the market at all.
What’s the point?
Worst time in history to buy.
Yeah..i make more money now after paying off 45 k in loans ..cars payment ..loans payment ..but stuck since houses so expensive..interest rate so high ..no way i can afford a 4000 k ler month when i can renting 1900 a month ..
@@robertnguyen2025 and same here for me!! Paid off all credit cards over a couple years (about 2/3rds what you had), saved a down payment, perfect credit……
Would have to virtually double my income, and my income is considered to be good too.
It will change and already starting. There's always a way to get what you want also. Always a loophole, always another strategy.
Can you elaborate?
@@ArisenMind this is sarcasm, right??🤣🤣
Great video and the best point is at 17:35 talking about the most underrated part you say, which is super important to walk/drive the neighborhood to get the vibe of where you're spending your hard earned money to spend years there living.
Hi Sushi Sniper, thank you for watching the video and taking the time to leave a comment. I'm glad you found the point at 17:35 helpful. It's definitely important to get a good feel for the neighborhood before making such a big investment. If you're ready to start on a pre-approval, you can visit www.winthehouseyoulove.com/lender or email me at kyle@winthehouseyoulove.com. Thanks again!
Found a house we loved but there was too much road noise.
Helpful! Thrown in the mix is I have a maximum resale value on my current deed restricted home and an out of state job offer with a strict start date 😂 and it’s mid-school year for my special needs son. God can do this!!!
Back again. I watched this video some time last year and tried to follow it (and the 6 month plan) to a T. Everything was smooth except the “finding a house” part. The doom scrolling set in once it seemed like the search we had set up through our agent wasn’t pulling houses we wanted to see. I’m now officially burnt out, two-ish weeks from my lease ending with nothing lined up, and trying to decide what to do now. This market is brutal. Especially in an area everyone is moving to right now.
Ask your Realtor to try to make some off-market deals for you. For example I find absentee owners, or fore sale by owner, or people who haven't even thought about selling their homes and convince them to sell if the offer makes sense to them.
Wow how you’ve grown lol . I remember I used to watch alllllll your videos 2 months prior to me purchasing my home last year in may ❤ thank you ! All the info really helped me understand what the banks don’t even tell you . Like the what they look for when they ask you to send in all those documents they ask for ect…
Great info I’m not a new home buyer but still found your game plan useful !😊
I just put an offer in, they accepted, did the home inspection and turns out the 20 year old home, also had 20 year old furnace, Ac, and apparent roof damage, were just hurt and shocked how much was really wrong. Best 400 I spent ever, roof might be 20k in repairs with a max 13k credit from lender
If you max out the credit lower your asking price.
I like this video and searched for your website, the only thing I do not like is that I cannot locate a phone number to talk to a person on the phone, I do not like doing my business with my finances via online only.
We have a calendar scheduler for a phone call when you click "Get Pre-Qualified". We have to do scheduled appointments, if we post a phone number online for people to call anytime we will not be able to keep up.
Best first time homebuyer resource out there. Thank you.
Thank you!
So helpful ! I love your content ! The knowledge helped me buy my first house last month ❤
Thanks for watching! :)
I’m trying to in 2 1/2 months. Thank you for this and I’m typing even before watching
Wow! Thanks for watching!
Wow the bass in the audio haha, listened in my truck from my phone, my subs 🔊 were booming!
I don't know what to say, but thanks for listening.🙌
Can you explain why the home inspection comes after the buyer makes an offer? Is there an opportunity to get that done before the offer to help inform the buyer's offer price/negotiation?
When you make an offer on a home, it allows you to secure the property, preventing other offers from being accepted while you determine if it's a good buy. This is beneficial because if you had an inspection done before making an offer, the home could go under contract with someone else, meaning you would have wasted money on that inspection. Also, consider that you might be interested in 25 to 40 homes but only seriously considering making an offer on three. If you got inspections for all those homes to decide which ones to bid on, you’d not only waste money but might miss out on the opportunity to make an offer while waiting for the inspection results. It’s similar to selling something on Facebook-would you hold your item for someone who says they might buy it after they check it out, or sell it to the first person ready to pay? Making a offer first is showing a commitment to buy ,given the inspection comes back in your favor, and allows you to tie up the property while waiting on the inspection. Every state is different but if your offer is written correctly your offer will be contingent on the inspection coming back satisfactory. If you don't like the results of the inspection you will be able to back out of the offer
i spent 2 years and put in 12 offers. Im looking for walkable areas and refuse to own a car as its a pointless expense in the remote age. turns out everyone in the city wants walkability in American cities, but America doesnt like to build practical hosing so its scarce
i realized after a long hard look im better off moving overseas to avoid being house poor and still being able to retire . i have a very high income, but unfortunately my competition also has a high income and Im starting much later then them . Ill just have to save even more and make the leap. I will own a home it just not in the cards in America.
Where I live the houses are under contract prior to being posted on Zillow because the real estate agents buy them from their clients so that they can rent them out. Major conflict of interest
That sucks!
If you have any questions or need any help with your mortgage, feel free to email me at kyle@winthehouseyoulove.com
A big issue me and my partner ran into was the closing time on our townhome, a tenant was given a 90 day notice to move out and we waited and stressed out that entire period of time about the move-in. Of course if it's a good deal go for it, but be realistic about the period of time you're willing to stress out about moving in.
Thank you for sharing your experience. It's important to manage expectations and be prepared for unexpected delays in the mortgage process.
Great Video as usual Kyle
I’m building a home ..I’ve been planning for an entire year. It’s exhausting
That’s what I did for awhile…doomscrolling. I wasn’t ready mentally yet either and back then I could not deal with the COVID frenzy. So then I just put it all on the back burner.
What is harder for me is “decide what you actually want.” It’s also more like what I want is more to do with what I can manage to get for my budget price.
Do you have any advice on how to “shop” all that time in another state? (When moving out of state). How does one actually keep up and be ready to roll if they’re not living there yet?
Thank you! Going to get my HELOC this week.
Awesome, thanks for watching!
As a teacher who was born and raised in the bay area. I'm SOL 😢
Thank you for sharing your perspective as a teacher and Bay Area native. It's understandable to feel discouraged!
recently im seeing so many people say they expected the process to be grueling but it was short lived and simple for them. weird. because i also expected it to be grueling but i guess not.
It's not as terrible as people think it will be!
It would be helpful to know the responsibilities of a lender. The last slide was helpful. But a little unclear to me on what is the lender responsibility and what is the home buyer responsibility. Who does the title search? Do we hire someone or lender does. Appraisal you mentioned lender sends. Home inspection I assume is done by the homeowner. Do we need to hire a real estate attorney? If so what is there responsibility?
A good realtor will guide you through all this and take their cut on it. Honestly I consider the side stuff as part of their job
Very good video and straight to the point
Feel like I’m being attacked for scrolling through zillow lol 😂
Thank you I needed this.
Been on the fence, contemplating whether I should wait for rates but now I’ve decided to start the process and I needed a guide
Appreciate this!
Haha totally get it, thanks for watching!
Is it bad this video first caught my attention because of how good looking he is? 😅
Thank you so much for the information provided
My pleasure! Thanks for watching. :)
I very like your video and the information I need for first time buyer ❤❤❤❤❤
Thank you!
What if you get a pre- approval, look at homes…. up until what point can you back out? I feel pressured to buy but I don’t feel it’s the right time.
I've been looking for houses for a couple years. Then again, I live in SLC, UT and houses are expensive here...
Oof I can imagine!
Thank you for this break down!
Of course! Thanks for watching. :)
This is like ASMR ❤
Thanks! ASMR ♥ :)
Thank you for making this. Super helpful💯
Glad it was helpful! Thanks for watching. :)
None of this matters btw if the interest rates are just too much for most of the population. Currently 32 and live in my parents house in nyc since i make 65k a year have 120k saved but none of that matter since houses within 1 hr commute is just too much and i refuse to move further then that since thats just pushing it. I also refuse to pay anything over 6% for interest rate so ill wait more if i have to.
question!😁 Will you be a first time home buyer? The reason that I am asking this is because usually your first house is not your last house. I am saying this to say that interest rates should not be an end all be all because at the end of the day interest rates are a gamble but the good thing is that you can always refinance if the interest drops. Homes gain equity so in a few years you can sell that home and get a bigger one or rent it out and use it as cash flow.
@mariea2277 issue is that i have only have 2 options and neither is favorable
:buy a house that its mortgage is gonna be more then 50% of my income
:have a 2 hour commute which will mentally destroy me
You have a $120,000 saved you'll be okay buddy. Time to move out of your Mom and Daddy's house and grow up.
@@RealMTBAddict120k means nothing when my mortgage patment will still be over 5% of ky income buddy. And my parents would rather me stay since i pay all the bills regardless 😂
@marcelrodriguez2067 What are you talking about? You only need 3% down payment for a house. What does that have to do with your income?
I guess I will stop searching Alpine, NJ this year
Great game plan thanks
$20k-$30k down is good in California
Home values will continue to fall well beyond a decade. Too many people locked in record low rates, for RECORD HIGH COSTS. Prices only need to decline about -10% for catastrophic results. Risky HELOCS, Airbnb busts, and decade long value declines, combined with commercial real estate in the red, across the board. Foreclosures are only now starting to uptick. Supply is increasing, NATIONALLY. This bottom won't show until the mid 2030's at the earliest. -40% when the dust settles. God bless, America.
if you knew you were going to die next week would you stop living life to the fullest or would you start living life to the fullest? This is what your comment looks like to me lol regardless of all that will happen and all that could happen that shouldn't stop you from living life in a way that makes you happy. Hasn't COVID taught you anything about life? Who wants to live life planning for the what-ifs when it is a proven fact that 90% of what-ifs never happen? Besides by 2030 THE NEW WORLD ORDER will be in place. lol
Thank you for this helpful information! Question - during the appraisal, is this based on what the inspector found? Can you negotiate the original offer amount if there were issues for example? Also how much do appraisal costs usually range from?
Hey Kyle! Great video. Can I know what microphone you use? The quality is killer
Hi! Thank you for watching. It's Neumann TLM 102.
Could you do one for a 6-month plan?
Is this realistic for people with lower credit for the homebuying process? Or what should you aim to have if you want to take this timeline route
Very detailed and informative, I Enjoyed it. Random question... what setup or program you used for your presentation. Thought it was exceptional, Thanks!
Thanks so much for the kind words, I appreciate it! I use Ecamm
🧠Very indepth & Super helpful!
Thank You!
Will share.
Glad it was helpful!
The narrowing down neighborhoods is hard when you want to move from out of state.
Makes sense! When moving to a place you're unfamiliar with, I think renting for at least a few month is the best option. It's unlikely you'll be able to narrow down a neighborhood you'll love and want to spend 5+ years in without living in the area for a while
or have your realtor send you some information on the cities and websites to search for information on the cities that you want to live in. I am a Realtor and I live in a military town and this is done often. I had to Facetime my clients during different times of the day and take a walk around the block and Facetime them and show them a few things about the area. Most realtors from here will do this also because this is normal to them. If you are looking to move somewhere and live there for the rest of your life then yes you should probably rent for at least a year and explore the area before buying.
That video would it be helpful 4 years ago!! Congrats if you can find a good deal in 3 months!
Great info thanks ❤
Such a great breakdown 🙌🏾🙌🏾🙌🏾🙌🏾🙌🏾🙌🏾
🙌🏾 Thank you!!
What is the process if we were to buy a brand new modular home, like with Pratt homes? Do I still need a realtor?
Hey Van G! Great question. When buying a modular home, the process can be a bit different than a traditional home. With a company like Pratt Homes, they might have their sales team to help you, so you don't necessarily need a realtor. However, having a realtor can still be beneficial to represent your interests and help you navigate the process.
To get started on a pre-approval, feel free to visit www.winthehouseyoulove.com/lender or shoot me an email at kyle@winthehouseyoulove.com. I'd be more than happy to help you out! 😊
Wow this is a super high value video thanks
Hey there, thank you so much for your support and kind words! I'm glad to hear that you found the video valuable. If you're ready to start on a pre-approval, feel free to head to www.winthehouseyoulove.com/lender or shoot me an email at kyle@winthehouseyoulove.com. Thanks again!
You have such a nice voice!
Thanks!
This is why I want a new construction, the doom scrolling led me there 😂
So would I but most seem to be in HOAs.
😂
another CLASSIC
This is excellent advice!
Thank you so much for watching!! :)
Love watching your video!
Thank you!
When do you officially apply/pull credit w your lender in this timeline?
You forgot. Transfer of utilities bills in the home.
I could do all this tmrw but there’s no telling how long it’ll take for me to find my dream home…………..
“3 months” is not guaranteed.
For sure, no one is guaranteeing that. It's just an example timeline.
Very nicely broken down
Thanks for watching! If you're ready to start on a pre-qualification, feel free to visit www.winthehouseyoulove.com/lender. Have a great day!
Thanks. Very informative
Thank you! Appreciate it. :)
Doom scrolling is my favorite hobby lmao
😂 Thanks for watching. :)
Great vlog
For great audience! Thanks for watching. :)
How does this process go when you’re wanting to buy a new build home that isn’t set to be built for a few months out?? 🤔
Great Video!
Thanks for the visit
This is so very helpful
Thanks!
QUESTION: We were told to save a bunch more for a down payment. (1st time home buyers). We want to withdraw money each payperiod and put it in a safe to prevent the possibility of spending it. However, when we go to deposit it, will lenders dispute the "large deposit". We were thinking of just keeping withdraw slips and having them scanned into a PDF to prove that it original came from a verifiable source of income (primary jobs) over time and does add up to what we would be evenually depositing. Would this be sufficent? The amount would be about 40k.
Just deposit it into a separate bank account that you don’t use
Could cause issue o how u got money . Even u get money as a gift they have put it in writing . They usually want to see money in your bank account that has been their for a couple of weeks . If u still have t bough the house yet I would write down all my question I have and call my lender to see if their is any issues with your plan . But my advice would be to buy a cheaper home if u feel u are struggling with a lot impulse buys . And one of the major rules when buying a house is not to open any new lines of credit are charge your credit cards since that will throw your financial numbers off
Thank you !
Very detailed information and informative ❤
Glad it was helpful!
How would this process be any different if you are just looking for land instead of land and a home? sorry for the noob question am new to this whole process
Hey Trevor, no worries at all, we all start somewhere! The process can be slightly different when you're just purchasing land. Some lenders might require a larger down payment and the loan terms could vary depending on the land's location and whether it's already developed or not.
Wait. Where's Day 4? Still watching though. ;) Oh wait two days for Day 3. Got it.