How To Find The Perfect Home Loan | And What Loans To AVOID!
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- Опубликовано: 1 июн 2024
- This video teaches you everything that you need to know to find the perfect home loan for your situation. It will explain the difference between all of the different loan options and which option will be best for you. This video will also break down exactly what to look for when it comes to the interest rate, down payment, closings costs, and terms of your loan.
Chandler David Smith has been investing in real estate for the last 6+ years. He has done dozens of loans and helped other do dozens more. This video shows you everything that you need to know about picking the right loan. It will show you everything that you need to know to find the perfect home loan for your situation. It will explain the difference between all of the different loan options and which option will be best for you. This video will also break down exactly what to look for when it comes to the interest rate, down payment, closings costs, and terms of your loan. Listed below are the main points talked about in this video created to help you find the perfect home loan.
• Conventional vs unconventional
• CONVENTIONAL BACKED BY BANKS, UNCONVENTIONAL BACKED BY GOVERNMENT
• Sub prime loans- 640 or less credit score (bad loans)
Unconventional loans
o FHA loan-small down payment, low credit standards, higher interest rates mortgage insurance (MIP) have to pay for life of loan unless 10% down and than you pay it for 11 years
o VA- loans no down payment, no mortgage insurance, Unreal opportunity
o USDA/RHS loans- rural areas, no down payment. Cant refinance, bad prepayment penalties and terms
Conventional loans
• As low as 5 % down
• PMI (private mortgage insurance) if less then 20% down
• Lots of different options with great terms and interest rates
Jumbo loans- 20% down required for bigger purchases
• Other things discussed
o Interest rates, terms(fixed vs arm)(15 vs 30) , down payment, closing costs, prepayment penalties, pmi/mip, prepayment penalties and more
#homeloan #gettingahomeloan #mortgage
Want to learn more about getting pre-approved for a home loan? Check out this video!
• HOW TO GET APPROVED FO...
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Subprime mortgage 2:33
Conventional 3:25 / 10:33
FHA 5:00
VA 8:20
USDA RHA 9:23
ARM 12:10
One of the few videos that I’ve researched where every word has worth. Thank you for not wasting viewers’ time and being as informative as possible!
I took so many notes! I would love a updated version of this because interest rates are different now.
Awesome explanation! Thank you for this.
Awesome video buddy! Very well explained and easy to understand video
I absolutely love this! Could you do an updated version of this
Hi Chandler, I love your videos too. Thanks for all this great information. You love what you do, congratulations!
You are simply amazing at explaining this topics. Congrats man❤
I took a ton of notes. We are looking to purchase our first home and I will keep you posted. Thanks Chandler.
Chandler - I am getting ready to jump into the Real Estate waters. I’m 31 years old and know nothing about real estate. This is the first video I have watched from you and I enjoyed how you broke down everything perfectly, simple but yet effective. Thank you for this video and I look forward to using your advice out in the wild. Liked and subscribed!
Great topic! It's important to educate clients about these things.
excellent information. thank you so much. loved how you touched on so many topics
Thanks for sharing all this info with us
liked the video before watching it, because you always deliver..... fire content!!!! 🙌🙏
Nueage Design 💯
Another point on the FHA having the mortgage insurance. Within a few years and maybe some sweat equity you will have the equity needed to refinance and get rid of that.
Thanks Chandler! Very informative!
Contact john_mcnees on Instagram or mail him on johnmcneese067@gmail.com or +12512396384 on WhatsApp(he does not take upfront payment) if you need help about forex trading , Bitcoin, hacking your PayPal,credit score fix, bank account,western union hack,money gram,credit card hack,instagram verification, facebook and many more.. you can as well check his website newtomorrow.net
His fast and reliable .
I was so upset I watched 3 of your videos and the next day none were in my history. So this time I sub, took notes 📝 and hit the like 👍 button
Thank you Chandler 🔥🔥. Appreciate you.
thanks for sharing. one of the best videos I have watched today.~~~
great videos. Keep it up.
Thank you!
really enjoying your channel
Grim thank you!
Love your content Chandler! Extremely underrated information!
Thank you!
Contact john_mcnees on Instagram or mail him on johnmcneese067@gmail.com or +12512396384 on WhatsApp(he does not take upfront payment) if you need help about forex trading , Bitcoin, hacking your PayPal,credit score fix, bank account,western union hack,money gram,credit card hack,instagram verification, facebook and many more.. you can as well check his website newtomorrow.net
His fast and reliable .
In 1992, I needed to cut our outgoing by $1250 a month. With me home child care was $0. The economy was in a deep recession. But interest rates were 11-12% on a 30 yr fixed conventional. I refinanced and pulled cash for payoff of debt and we still had 25% equity. I got a 1 yr arm for 3% with a max raise of 2% increase per year. It saved $850 per month and I was able to cut other expenses down elsewhere. I knew the rate would rise by a certain amount in 365 days. As we got close to that time i figured the difference between the monthly rise to 5% against refinancing at 2.75% for a 1 yr arm. I saved $500 refinancing. No brainer. Then 2 years later the better deal was to refi again to a 3.5% 1 yr arm vs the rise to 6.75%. in the meantime our home increased from $160,000 to 180,000. After 10 years we sold that home $205,000 for one of equal value but customized overlooking a wide river with water front access. I had to remain flexible during that time due to my husbands chronic illness. I agree, it wasn’t always comfortable but I always had several back up plans so it wasn’t as bad as it could have been.
Very Informative
I like how you justified not doing the Dave Ramsey plan because you like having reserves but a fully funded emergency fund of three to six months of expenses is part of the Ramsey plan and it is the step before buying a house
Yo Chandler, just watched two of your videos. Doing a great job. Very informative and the two videos are the best in that topic I was able to find on RUclips. Keep up the good work. Just subbed!
Contact john_mcnees_on Instagram or mail him on johnmcneese067@gmail.com or +12512396384 on WhatsApp(he does not take upfront payment) if you need help about forex trading , Bitcoin, hacking your PayPal,credit score fix, bank account,western union hack,money gram,credit card hack,instagram verification, facebook and many more.. you can as well check his website newtomorrow.net
His fast and reliable
We got in with an FHA loan at a 5.5% interest but are now refinancing into a conventional loan and got a 3.75%! Now we’re in a position to get into a a better bigger home with an fha and renting the one we’re in now. Not sure if we will do that, but it’s nice to have options. Thanks for the vid. Very informative!
Awesome! Glad you liked it! Thank you
RATED refi didn’t even go through so I am actually waiting haha!
RATED SO TRUE! I plan on trying again before the year ends maybe November. We’ll see
@@hyrumgomez3969 aren't their closing cost when u refinance?
Le0 normally there are. But sometimes you can pay those closing costs out of the equity in your house and therefore save any up front costs
God bless you Chandler Thank you for the information you’re awesome
Hey Chandler, I just bought my first car off income from my rental properties! I pick up my Tesla tomorrow :) I used a classic Rich Dad principle and one of my properties will cover my payment AND SOME each month. I couldn't be happier, keep up the good content brother.
@CJ Goole No, hard money with the BRRRR strategy
Lots of great information
This comment section is so supportive! Im currently trying to buy a multi-family with my VA loan but i am out of the states for active duty orders is there any way i can work around this or do i have to just wait it out? And also how long do i have to wait until i can use my VA loan again? Thanks in advanced guys 🙏🏼
Great guide here on this one aspect of financing for investing. Keep making more guides like this!
Contact john_mcnees_on Instagram or mail him on johnmcneese067@gmail.com or +12512396384 on WhatsApp(he does not take upfront payment) if you need help about forex trading , Bitcoin, hacking your PayPal,credit score fix, bank account,western union hack,money gram,credit card hack,instagram verification, facebook and many more.. you can as well check his website newtomorrow.net
His fast and reliable
Hey Chandler love your vids. Do a video on buying foreclosed homes if you have an expertise in this area. Thanks.
Dave M will do!
Yes please
I'd also Love to see that and ty so much for the advice love your videos
Amen please do it
Hey Dave did you do that foreclosed home video?
Very helpful bro-senior
I love the FHA option, because really the biggest downside is the indefinite MIP, but then once you pay down the loan below 80% LTV you just refi and you have the house wit little down initially and you still get rid of the MIP at 80% LTV just like the PMI. still has the fees for the refi, but having put very little down to begin with it evens out in the end, and you got into the house up front very affordably. I also replaced my mortgage with a HELOC that has been very beneficial, because it provided liquidity of the equity in that property.
thank you for that great info
Great job!
Contact john_mcnees_on Instagram or mail him on johnmcneese067@gmail.com or +12512396384 on WhatsApp(he does not take upfront payment) if you need help about forex trading , Bitcoin, hacking your PayPal,credit score fix, bank account,western union hack,money gram,credit card hack,instagram verification, facebook and many more.. you can as well check his website newtomorrow.net
His fast and reliable
Thank you ❤
Great educational videos for owning homes. Im 26 and looking at buying home for me nd my family because I don't want to rent for the rest of my life
great video
Matthew Iversen thanks man!
Thank u!
got yourself a new sub
VA loan for the win! Used it twice to purchase two 4plex's. I'm cautiously looking for a 3rd 4plex at the moment. I'm already see sellers doing price reductions in Arizona.
Johnny McKeon that’s insane i wish we had that in Canada for military.
@Johnny that is awesome. Is there anyway I can reach out to you and pick your brains? I too am a military vet. Thank you.
Same is there any info you can share about the VA im currently AD and will like to know more from an actual VA user ! My Instagram is FLXSUKI please feel free to dm me
Two 4plex's??? How much was each 4plex? I have great credit and could only get approved for $500k on my VA loan. How did you possibly get ONE 4plex for less than that? Then how did you use the VA loan a 2nd time without going over the max?
@@GengoSenmonboth 4plex's were purchased as foreclosures fixed them up, brought rents to market and then did VA cash-out refinances. For the strategy I used i did have some money saved but you can tweak it even if you have very little money using the VA
1st 4plex was purchased for $211,331 in Sept. 2017 and later did a VA cash-out refinance in Feb 2018 at $245,160 and received a $79k check from the refinance and moved into one unit and rented the other 3 out for a year and got to live for free saving my paycheck from my day job which was 2k a month at the time and gaining good landlord experience 😅
2nd 4plex was purchased for $260,100 in Sept 2018 so 1 yr after the 1st purchase and then later did another VA Cash-out refinance in July 2019 for $312,379 and I received $100k cash back and i currently live in 1 unit and rent the other 3 out living for free again saving my paycheck from my day job which is 3k now.
Thanks for the great video before all this virus pandemic in October I purchase a 2 bed 2 bath condo for $235K with a 4% down payment and a 3.7 FIX APR conventional loan I was surprised I end up paying lest than my old rent and that’s including PMI.
That’s awesome! Congrats! Thank you!
Once you get a loan is there a way to alternate it in the future like can I go back later put more money down make the monthly payment smaller ?
I’m in the Long Island market. Wish I could put a low DP! Sellers don’t want anything less than 20% down due to competition. I closed on a house with that DP but will take out a HELOC to get another investment property!
17:50 ..... Only Dave Ramsey suggests that you have 3 to 6 months of expenses saved, plus a down payment, before even considering buying a house.
Hey @Chandler can you cover more creative financing methods? Have you ever done something like Seller Financing or Partnerships?
Enjoying your video, trying to keep up with it. Any deadline with the app for Android?
It’s getting close! I should’ve started it the same time I did the iOS but I had no idea so many people would want it
@@ChandlerDavidSmith gotcha well looking forward to it
I'm in the process of buying my first home now. Shopping with a two lenders and got an agent too. This video was awesome. Thanks!
Same here dude.good luck
How much are you planning to put down and what type are you going with?
Chandler I bought your course 3 weeks ago and now i took massive action and I got approved and already house shopping thank you 🙏🏻
Do you mind sharing what course was it.
Hey Chandler what do you think for homebuyers choice from credit union bank.
Here is another like and comment for that there algorithm :)
BBVA bank offers a 30 year, fixed, 100% financing (0% down) loan that has no MIP and an average interest rate(slightly higher than FHA). They even put $2000 to your interest rates. It sounds too good to be true to me but I can’t seem to find the catch. Thoughts on this?
Hey guy I just got pre approved for a owner occupied 4 unit. It’s a 10 year interest only loan for 3.125% and I only have to put down 10%. Is this a good idea?
I’m getting a 30% return when I move out. I wanted to do a principal and interest loan but I won’t even make profit unless I put 25% or more and even then it’s a 5-6% return.
I just want your thoughts/concerns. I’m thinking that as long as I can fix up the property and build equity I should be safe. Do you guys recommend this type of loan ?
You sound honest...ima sub and like but you have a responsibility
I live in California, Manhattan Beach and homes here start at 1.5m. Me and my wife are interested in a FHA loan but they only go up to 765k.. would it be possible to to use a FHA loan for a 1.5m home? Taking advatange of the 3% down on the first 765k then putting down 15-20% down on the remaining 750k? OR must the property be 765k at the most?
This is the first time i’m looking into this and i’m glad I ran into your videos. Question.. I have several credit cards and an auto loan, I usually have enough to pay my credit statements prior to being due because I don’t like having that credit due and my thought is I don’t want to pay interest. would that affect me when I try to get approved for a loan?
You don't have to pay interest on your credit cards to build credit if that's what you're asking. The banks will look at multiple factors before approving you for a loan. Carrying a balance and paying interest on it will likely have a negative affect on your score and approval odds. Paying your cards in full each month, avoiding interest, and lowering your debt to income is a good way to increase your score and keep your loan approval odds high.
The 5% is for both conforming and non conforming???? Thanks.
Is VA loan part of the unconventional loans?
I am getting a house in October and going to sell it rather quickly, maybe even list it as is instantly. What type of loan should I get? There’s 70k left on payoff and it appraises for over 100k
New Subbie!
I actually have enough for 20% down and looking to buy my first property here before 2021. If I only put 3.5-5% down wouldn’t that increase my DTI ratio? Looking to buy a personal property here in phoenix under $200,000 and use the rest of my cash to invest in a rental property out in Cleveland, OH or somewhere similar where the ARV is lower and rent rates are good. I can house hack here in phoenix as well but will still have cash left over if I only put down 5%. But would I qualify for another loan since my DTI went up and I’m more leveraged? Great vid
Hi Robert, yes less money would increase your DTI. But totally worth it to keep your cash liquid to use for a rental. Putting less than 5% down may also cause you to pay PMI. Again worth it if you want to invest in another property. Also you're house hacking so you're in a great position to have someone help you pay it. Thus bringing DOWN your DTI. That's why house hacking is so dope.
As for a rental property. If the numbers work, you can still secure a loan for it despite having your current home. Why? Because you're house hacking you have a lower DTI. You can also use the other rental you have now as earned income, and the property you want to buy in Ohio can be considered as earned income. Yes all your earned income properties will increase your leverage but they will lower your DTI. Hope that all made sense. Good luck!
J C André J C André Dude Yes!! So it sounds like putting less $$ down still makes more sense if you buy correctly. I do plan on acquiring an off market deal. And then putting the rest of my money that I have into the other rental property and use that income as “earned income”? I appreciate your response man foreal 🙏🏼
@@robertm6686 Hey no problem Bro... I'm just helping where I can. Each one, Teach one. 👍🏽
We are approved for a loan ..but some of the homes need work how do we get another part of the loan to fix the home?
I’m shocked you didn’t cover DSCR, fix and flips…as those 2 are the ones used by investors.
Basically,
Save 20% down of what the house is worth AND still have money saved in the bank to get you through 6 months of bills if a misfortune happens.
Get a Conventional Loan without PMI of course.
Get a neighborhood with low monthly property taxes.
Get a fixed rate mortgage.
What about FTV loans? Especially 100% FTV Loans with 0 Down Payment?
Awesome video! Do you have any experience with the USDA 538 program for 5+ multifamily units? Also, can I get a conventional loan with 5% on 4-plex and how long do I have to live in it before I can purchase another with the same loan? Thank you
Hi Umar, You can use any loan to purchase a 4 - plex. A 4-plex is recognized the same as a single family, duplex and triplex. All 4 can be purchased as your typical residential home for up to 30 years fixed interest. 5 units or more is considered commercial real estate... Those are different rules than a 4-plex and below. Hope that helped... Good luck!
J C André Thank you, can I do 5% down conventional on a 4-plex that I don’t live in?
Scenario:
First-time homebuyer that doesn't have a 401k but has an IRA and maxes it every year. Looking at a $200,000 house to live in. Has the $ to put down 20% and would still have plenty left but doesn't necessarily like the idea of putting so much down. Would you put the 20% down and what loan type would you go with? (Don't qualify for VA). Thanks!
I’m switching from renting to owning May 22! Would you consider making a video on how to manage/screen tenants ? I’ll be house hacking so it doesn’t make sense for me to hire a property manager yet
Call Claud Will you tell them you’re the owner?
Chels B. No, property manager
Call Claud that’s smart. Congratulations on your first deal. That’s very exciting. I’m house hacking a four unit too.
Chels B. Thank you!
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Hey chad, thabks for the videos... I'll like to know whats your thoughts on government help? Like fthb city programs that will give you 40 - 60k towards the purchase pf your girst home
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Cool
So what if the ARM is capped at 5% life of loan and only will go up/down 2% after 5 years and the other 31/2 % over the last 25 yrs. My brain can't wrap around it being a bad thing. Am I missing something, its through a credit union 5/5 ARM
Great video!! I got a conventional fixed 30 and also bought discount points to reduce the interest percent. Now trying to understand if I can make some money from the property :) Can you please make one explaining house hacking and occupancy requirements when buying duplexes.
Great video idea - I’ll do it 👍
@@ChandlerDavidSmith Thank you so much!! Looking forward to it.
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Great Video. Thanks
Can I get ur opinion. I own my brother and my mother's homes, so my DTI is at %50, without them am at 22%. With great score. Is there any way to get qualified for a rental property without claiming those two extra properties as rentals? My broker said as of now, I need to be able to cover the mortgage of a rental property full, I can't use the rent as income in the qualification process? Would love your opinion. Thanks
Hey Mo, you absolutely can use the rents from the 2 properties you have as earned income. As long as you can prove your family are making the payments. Then your DTI will be better than the 22%. Good luck! You got this!!
@@MrAndre-il2sh Even if am not claiming it on my Taxes?
@@mohammadmustafa5349 how long have you had the houses for?
@@MrAndre-il2sh brother house for around 6 years. 2nd house is since last May.
@@mohammadmustafa5349 Sounds good.. .and you have not filed a 1098 property tax form for either at all??
I been renting my whole life i think is time to buy.
The way i see it
I pay 60k in 5 yrs and i get 40k when i sell thats a win. Comprae to paying 60k(renting) and getting nothing at the end
Amen!
Finding the perfect home loan hasn't been easy, could someone help with tips on how to get a quick loan. Late on my rent and wouldn't want to have to leave my home.
@Oliviaanderson have to tried relieffundingusa,they help me with loans and i was able to payoff my rent
@Oliviaanderson do they still function and how does it work?
you can watch this at 2x speed.
In sum,
What he says:
you should use [type of loan] if you understand the terms and conditions and if is right for you.
1 VA Loan please!
lol a lender told me that I could put 4k down but then told me that with closing cost an every else included I need 14k holy moly but the other 10000k does not go to down payment this is what they didnt mention in the other videos
Why did he put in an before?
Chandler is it hard to get a home loan when you don't have a year with the employer?
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Wish I knew this 11 years ago when I first bought
Sorry I didn’t make it sooner 🤦🏻♂️
Who writes these loans in Georgia?
We used the VA loan but they want you to stay in the property for 1 year as well. Bummer!
That’s a year worth waiting for 👊🏻
Haha that must be terrible to get 100% financing with no PMI on a 1-4 unit😄
@@johnnyb33good21 Well, when you already have a VA loan home you're living in... lol
@@jkb6963 there's no VA mortgage Police going to be knocking at your door checking residency.
Let's say that you have a life change like a job change or you need to move into a different city or maybe you need to move into a bigger house. if you read the VA lenders guidebook you're not trapped in a property for a year there are certain life circumstances that are sufficient that allow you to move under a 1yr. just have to be able to explain it
@@jkb6963 There is nothing saying you have to stay in a VA home for 1 year. The minimum amount of time you can stay before you move is 6 months. 6 months of consecutive payments and you can refinance of you want to. You can refi put of the VA loan or you can do an IRRRL (Pronounced as Earl) refi which is specifically for VA loans. It allows you to refi for lower interest rate, and payment. And you are legally allowed to rent it out upon closing. Honestly a very quick process. Doesn't cost you anything out of pocket.
But to reuse the VA loan you'd have to refi completely out of the VA or IRRRL loan. I wouldn't advise to refi out of the VA loan until you have at least 20% of equity in your property to prevent you from paying PMI should you refi into a conventional loan. Good luck you guys!
How would someone qualify to get a second home. Doesn't make sense.
You also want to know if there's an option to pay down points to get a lower rate.
Contact john_mcnees_on Instagram or mail him on johnmcneese067@gmail.com or +12512396384 on WhatsApp(he does not take upfront payment) if you need help about forex trading , Bitcoin, hacking your PayPal,credit score fix, bank account,western union hack,money gram,credit card hack,instagram verification, facebook and many more.. you can as well check his website newtomorrow.net
His fast and reliable
Offer*
Can you get a loan three your bank?
Nvm
I wish Canada had the VA loan for military. Shame they don’t support as much as the USA.
would you prefer sky high medical bills?
Grim hmm so thats the trade off ?
@@JeffWybo There are many trade offs no???
That’s one area I’m surprised Canada hasn’t picked up their game
Grim what I’m saying is that is it either health care or Veterans get a break on housing. Is that the one or the other ?
So u mean conventional is the best am i right
marivic maniego they all can be the best depending on your situation.
He means which ever fits your current situation is the best. There can be a scenario where you own multiple properties and you used every single options he mentioned, providing you qualified for all of them. 🤷🏾♂️
So keep 30k in the bank and pay 100’s of thousands of dollars in interest? Got it
Appreciation ? seem like that not is going to happen for the next 2-3 years
I lot of people know a lot about it but not everybody can explain. This is awesome - thank you
Chandler's brother - Hey chandler i just got a new home!
Chandler - Hold my beer
i need home loan
tell me about home owner loans only plzzzzzzzzzzzzzzzzzzzzzzzzzzzzzzzzzzzzzzzzzzzzzzzzzzzzzzzzzzzzzzzzzz
You need to brush up on Dave's material. He CLEARLY teaches to have a FULL FUNDED EMERGENCY FUND set aside before signing a mortgage. Plus! He says to set up a payment that is no larger than 25% of TAKE HOME pay to avoid being house poor. He was well into real estate long before you were born. Stop slamming Dave because he is against debt. I like your channel and will keep following. But, please, avoid bringing up Dave Ramsey. It does not help drive home your points.
Contact john_mcnees on Instagram or mail him on johnmcneese067@gmail.com or +12512396384 on WhatsApp(he does not take upfront payment) if you need help about forex trading , Bitcoin, hacking your PayPal,credit score fix, bank account,western union hack,money gram,credit card hack,instagram verification, facebook and many more.. you can as well check his website newtomorrow.net
His fast and reliable .
Ew I can’t believe loans still exist for ppl with awful credit
i took massive action and I got approved nice video