Learn a lot from you tomorrow we get the keys for our new home 🏡. I watched so many of your videos before we began looking. Thank you keep up the good work. Southern California viewer.
Cheers for the video content! Excuse me for the intrusion, I am interested in your thoughts. Have you researched - Bonincoln Wordless Authority (Sure I saw it on Google)? It is a smashing one off product for getting finance for your business without the headache. Ive heard some interesting things about it and my friend at last got astronomical success with it.
I recently signed a contract and they sent me a bunch of numbers looking like I needed extra for closing costs. I was watching this with tears in my eyes totally discouraged and you talked about sellers concessions. Which my realtor talked about was in my agreement. Now I'm smiling. Thanks for the video
Another way to get some, or all of the closing costs paid, is to buy a NEWLY BUILT (tract, not custom built) home. Most builders will pay all, or a portion of the closing costs, if you use their lender. The builder gets a kickback from the lender, but you get the closing costs paid. I have done exactly this with the last 2 new homes I purchased. The fun part of buying a new home is that you get to pick the lot, and upgrade options, as well as watching the house being built. The drawbacks of buying new are that you have to wait up to 6 months (depending on weather) for the house to be built, and you also need to save money to landscape the backyard (the front yard is usually done by the builder). New homes also cost just a little more than a comparable preexisting home, so you have to take that into consideration as well. I just wanted to give another option that was not mentioned in the video. Good luck everyone!
I’m going through this exact situation. We built a new construction spec home. We picked out all our materials and upgrades, lot and layout. The 6 month wait sucked at first, but it gave me additional time to save more money. I already had my down payment when we signed the contract, but man is it nice having an extra $10k saved up. Our builder paid 2% of the closing costs and the lender paid $1500. On a $275k home my down payment and closing cost total is $9k with an FHA at 3.5. Not bad at all
@Andrew Jarvis Actually, part of the home buying process is not only choosing the exact house you want to purchase but also researching builders (if buying new construction), lenders, and real estate agents in advance. No, not all builders and lenders give "incentives," but a lot of them do. As home prices and interest rates continue to climb steadily, fewer people are going to be able to afford to purchase a home. This will give builders and lenders more of a reason to help enable people to purchase a home so that they can make a sale and, therefore, a profit. I live in California, where this incentive practice is very common do to the very high prices of homes. I have also purchased quite a few homes (new and older) over the years, so yes, I do have a little experience with the home buying process and know what I am talking about. 🙂
Can you please make a video on eminent domain, we already own a home there's an airport near by. They made 3 blocks away from airport commercial now. Our home is now commercial land . I just hope we get fair value for our home. We are in California
im just now looking to buy a house here in 2022 and even tho your vids are a little outdated they've been able to help me along with the whole process and fore that I thankyou
Would love to see a video on how to get discounts on closing costs (besides seller’s concessions). For example, how would you (as a realtor) like to be asked if you would be willing to take less of a commission to help cover closing costs?
I was going to attempt to finance a home by the end of the year. But I’m going to put myself on a savings plan and by this time next year I should have a better down payment and be able to pay my closing costs.
@@OmarLopez-kh3dx Unfortunately I do not know California laws/regulations when it comes to closing costs, I purchase/sell in MN and you can split the fees equally or at a different percentage. A lot of sellers of course will wait until an offer comes along where the buyer pays for all the closing costs though and in the market today they have no problem getting that.
But the seller pays all the realtors including the buyers agent, which is a pretty big cost. In general I've heard that most of the costs are actually on the seller and I do think it's a fair split.
Thanks for this video I was condo shopping earlier this year but had to put the brakes on that and just rent due to high HOA fees and other HOA requirements. Now we decided once our lease is up we want to move away from South FL and buy a Single family house in SC. Your video gave me a much better idea of what the closing cost breakdown will be which I was always unsure of the true costs involved in purchasing a place. Keep it up! 👍🏻
Dude you’re so close to the 10k! I’ve been sharing your channel consistently! 🙌🏼 Great topic man. You know you’ve got a great realtor when they get the closing costs paid by the seller 💯
Our closing costs are going to be about 15,000. YIKES but, totally normally here in Northeast. We close in 24 days if all goes well and your videos have been invaluable! all the luck in reaching 10k subs!
@@JavyVidana Nope, its separate. The house we're buying is $750k (New Jersey so again, everything is much more expensive!) and we're doing a 20% downpayment. taxes are nuts so that doesn't help either, we're looking at over 1k a month on property taxes. I was OK with moving to another area of the country but husband does very well at his current job in the city so here we stay! I also grew up in NYC so...i think my thoughts on normal prices of things are SUPER skewed haha
I love to hear about property tax. Here in the Chicagoland area, PT is insane. It make no sense at all. I came across a house for $97,000 with the PT at $5000. Another house for $235,000 with PT at $1200. But the average PT is around 5 to $6000 no matter how much the house is. It's very strange, but I'm sure they have a system that determines how much tax each property has. I often see the monthly tax as the largest payment on the monthly mortgage.
Again I Wish I saw this before signing ! Haha... I’m in the Bay Area, Ca and Closing this Friday signed my documents today and All those Fees added up just at 8k in Closing Costs...I wish I didn’t just stick with the Broker/Lender I was using for convenience and shopped around. On the next house 🏡
My Question is why we need to pay Real estate taxes full year in front and Premium home insurance full year in front ? My second Question is what the difference between Property taxes and Real estate taxes? Thank you 🙏
Looking at this makes me mad because I recently bought and sold a house and it makes me want to barf the money I lost in these closing costs :(. I was mad! Really mad. Still am. Cringe thru this but next time I'm gonna nit pick it!!!
Your channel is gold, i like how you explain things. I wish i knew someone like you in NJ. We are in the process of buying a house. I liked your video and start follow you
Do you have a podcast?? I would to listen to your videos in the car or on my commute to work! Currently a young 24 yr old looking to buy my first house to house hack!
HD EDITS I’ve been thinking about starting a podcast and call it “Millennial Mentorship”. Basically me talking to other millenials who are successful at certain parts of life, so basically it’s millenials mentoring other millenials.
Thanks for the info. Strait to the point, I like it! You definitely answered my question in how the seller can pay for closing costs. Buying a house from my friend and trying to do sell by owner. We'll definitely increase the price that way he can pay for closing costs. (Any extra info will help) thank you.
Ok but do you realize that if it’s worth 200k and your offer is 206k so they can pay the closing cost. Well the lender doesn’t accept that their LTV can’t be more than the 96.5 unless it’s a VA. So you would still need to come up with the 6k out of your pocket
Great video! I paid 10k in closing costs for my duplex. It’s crazy how expensive closing costs can be’ Theyre at times more expensive than a down payment
I never understood what are the purposes for processing fees? We're essentially paying a company to do their job on top of the service fee. It's lame 😒
Common mistake to say increase the price to get closing cost. You insurance, your taxes, your title policy and yes realtor commission goes up. It is almost always a net loss vs just finding a way to cover your own DP. DP suck but you really should be asking yourself if you can even afford the house if you can't even cover the DP and CC.
I'm live in Sacramento, CA . In in the middle of selling home using equity to to pay for down-payment on new home. I m a little worried about all closing cost because like say they never tell you or talk about it until you sign...
Me and my husband are desperately wanting to get a place of our own. But the couple realtors we got aren’t wanting to take us seriously. I know we are young but we saved up, have amazing credit and stable jobs, started a small business which I see a lot of potential in. We live in Georgia. Do you have anyone you recommend? Thank you
Hello! First time home buyer! I just stumbled upon your channel and subscribed immediately. You provide amazing insight on first time home buying. I loved the outro music, took me back to my DK playing days 😂 keep up the awesome work!!
I got a lender charging me about 20k for a 320k loan Almost triple the cost of a 3.5 down payment Am I getting screwed? Any help please Should I switch lenders am in Califorina
Hmm...my lender had me pay for appraisal up front. 475? 😢 Is that what it cost roughly? I have to pay tommorow for my home inspection which is going to be about 400 😢
Javier when is the market going to cool down here in Phoenix I keep getting outbid, or houses are gone within a day or 2 it's crazy out here!!! Great videos keep up the good work!!!
Haven’t had that problem myself. Crazy market means you have to make the right offers. Can’t be specific since you’re working with another realtor in my specific area,l and I don’t like stepping on other realtors toes. Best of luck!
Yeah its crazy in atl! Me and my wife kept bidding and getting beat. We were so frustrated with losing out that we made a crazy over bid on the house we fell in love with. We bid 7000 over asking price and didn't ask for any closing help. But on the back end now that we close in 10 days we're just finding out closing is going to be 9000. Smh! We have the money but geez that seems a bit high for $230,000 house. I imagined it would be about 7000 tops.
If I qualify for 350,000. and I have 90,000. for down payment can I find a home for 400,000. per say and only borrow 350,000???? Don’t know if I make sense but I have been saving for a good down payment but only qualify for 350,000. Here in California it doesn’t get you much of a house.
Now closing costs makes sense! I’m having trouble finding lenders, I’m not sure where to even start. What’s the best way to find reputable lenders? I’m ready to get pre approved and my agent recommended a local bank they work with but I’m concerned I won’t get the best rate through a bank.
Joseph Fisher If you’re concerned about getting the best rate you want to shop or on your loan with a mortgage broker and a big bank. Also don’t settle with the first realtor you talk to, ask around for a referral or look one up and see who has a good online presence.
I’m in PA, and my estimated closing costs for. $200k home is $12k - $6k in preloads/reserves + $6k in closing fees... anyone else in PA can confirm this sounds about right? And this is NKT including any down payment.
My 7500 incentive towards closing really got are up by the boosted fees the preferred lender is trying to charge. It’s like they virtually paid themselves.
Learn a lot from you tomorrow we get the keys for our new home 🏡. I watched so many of your videos before we began looking. Thank you keep up the good work. Southern California viewer.
Joel Govea congratulations
Joel Govea congrats!!0
Cheers for the video content! Excuse me for the intrusion, I am interested in your thoughts. Have you researched - Bonincoln Wordless Authority (Sure I saw it on Google)? It is a smashing one off product for getting finance for your business without the headache. Ive heard some interesting things about it and my friend at last got astronomical success with it.
Hi how much are closing costs typically in California. Az local wanting to move to California. Husband has family in OC.
Oh shit, sup brother.
I recently signed a contract and they sent me a bunch of numbers looking like I needed extra for closing costs. I was watching this with tears in my eyes totally discouraged and you talked about sellers concessions. Which my realtor talked about was in my agreement. Now I'm smiling. Thanks for the video
Closing cost is the ransom and protection money you pay for your home.
Then "i hope i reach 10k"
Javier now; sitting at over 100k💜💜💜
Thank you for taking the time to break everything down for us newbies. Keep up the good work brother.
Thank you
Good luck on your real estate journey 🏡😊
3 years later 10x+ your goal Javier. Good job bud! I've learned so much from your channel. Keep up the great work and continued success!
Thank you for taking time for explain thoroughly for the first time home buyers and for those of us who aren't as informed on the home buying process.
Another way to get some, or all of the closing costs paid, is to buy a NEWLY BUILT (tract, not custom built) home. Most builders will pay all, or a portion of the closing costs, if you use their lender. The builder gets a kickback from the lender, but you get the closing costs paid. I have done exactly this with the last 2 new homes I purchased. The fun part of buying a new home is that you get to pick the lot, and upgrade options, as well as watching the house being built. The drawbacks of buying new are that you have to wait up to 6 months (depending on weather) for the house to be built, and you also need to save money to landscape the backyard (the front yard is usually done by the builder). New homes also cost just a little more than a comparable preexisting home, so you have to take that into consideration as well. I just wanted to give another option that was not mentioned in the video. Good luck everyone!
I’m going through this exact situation. We built a new construction spec home. We picked out all our materials and upgrades, lot and layout. The 6 month wait sucked at first, but it gave me additional time to save more money. I already had my down payment when we signed the contract, but man is it nice having an extra $10k saved up. Our builder paid 2% of the closing costs and the lender paid $1500. On a $275k home my down payment and closing cost total is $9k with an FHA at 3.5. Not bad at all
@brandon sumner wow thats amazing, if you dont mind sharing what state did you buy in?
so you've used or researched all or most builders and know they'll do that? that's amazing LMFAO. mOsT bUiLDeRs dO tHiSssSSSSs
@Andrew Jarvis Actually, part of the home buying process is not only choosing the exact house you want to purchase but also researching builders (if buying new construction), lenders, and real estate agents in advance. No, not all builders and lenders give "incentives," but a lot of them do. As home prices and interest rates continue to climb steadily, fewer people are going to be able to afford to purchase a home. This will give builders and lenders more of a reason to help enable people to purchase a home so that they can make a sale and, therefore, a profit. I live in California, where this incentive practice is very common do to the very high prices of homes. I have also purchased quite a few homes (new and older) over the years, so yes, I do have a little experience with the home buying process and know what I am talking about. 🙂
lol
Can you please make a video on eminent domain, we already own a home there's an airport near by. They made 3 blocks away from airport commercial now. Our home is now commercial land . I just hope we get fair value for our home. We are in California
im just now looking to buy a house here in 2022 and even tho your vids are a little outdated they've been able to help me along with the whole process and fore that I thankyou
Checking this vid for the 1st time. I'm glad you triple the wished amount of subscribers within a year. Hopefully by 2021 you'll get to 100K subs
I’m here in 2021, and he did hit 100k! 😁
Subscribed!! In the process of closing cost now. This really help with closing costs 101
You ended the video perfectly to show us how to get help with closing costs!! Thankyou so much!
from 10k to 121k subs in two years! congrats on the growth and exposure. Your channel is awesome!
Would love to see a video on how to get discounts on closing costs (besides seller’s concessions). For example, how would you (as a realtor) like to be asked if you would be willing to take less of a commission to help cover closing costs?
I was going to attempt to finance a home by the end of the year. But I’m going to put myself on a savings plan and by this time next year I should have a better down payment and be able to pay my closing costs.
Wow the closing cost is a beast 😵
Yes I paid over 10k for my duplex
Watching Javier nearing 10k subscribers, at the start of this video, and now sitting at a healthy 47k followers is so up lifting.
what I loved the most, was the Donkey Kong song at the end
I always split closing costs when I am buying or selling - makes no sense to have the buyer pay for all the closing cost fees.
Are you a realtor too? Are u allowed to do that im California
@@OmarLopez-kh3dx Unfortunately I do not know California laws/regulations when it comes to closing costs, I purchase/sell in MN and you can split the fees equally or at a different percentage. A lot of sellers of course will wait until an offer comes along where the buyer pays for all the closing costs though and in the market today they have no problem getting that.
But the seller pays all the realtors including the buyers agent, which is a pretty big cost. In general I've heard that most of the costs are actually on the seller and I do think it's a fair split.
Thanks for this video I was condo shopping earlier this year but had to put the brakes on that and just rent due to high HOA fees and other HOA requirements. Now we decided once our lease is up we want to move away from South FL and buy a Single family house in SC. Your video gave me a much better idea of what the closing cost breakdown will be which I was always unsure of the true costs involved in purchasing a place. Keep it up! 👍🏻
Happy to help!
@dakewlwon Where do you plan to relocate in SC?
I’m making an offer tomorrow in Massachusetts and my closing costs are 7000 and add up to 13000 in the end.
Real Life Example Here (Closing Friday):
345k / 5% Down
Earnest Money = 5k
Total Cash to Close (does not include earnest money) = 19,500
Congrats!
I thought the EMD is part of the closing cost 😮 so you paid close to 25k ?
Just subscribed! I love how honest and real you are. Your videos are one of the most helpful I've seen! Thank you
Dude you’re so close to the 10k! I’ve been sharing your channel consistently! 🙌🏼 Great topic man. You know you’ve got a great realtor when they get the closing costs paid by the seller 💯
He has doubled that!
December 3rd, 2021. Hes now at 125K subscribers!! Nicee
Our closing costs are going to be about 15,000. YIKES but, totally normally here in Northeast. We close in 24 days if all goes well and your videos have been invaluable! all the luck in reaching 10k subs!
Wow! Are you sure that doesn’t include your down payment too?
@@JavyVidana Nope, its separate. The house we're buying is $750k (New Jersey so again, everything is much more expensive!) and we're doing a 20% downpayment. taxes are nuts so that doesn't help either, we're looking at over 1k a month on property taxes. I was OK with moving to another area of the country but husband does very well at his current job in the city so here we stay! I also grew up in NYC so...i think my thoughts on normal prices of things are SUPER skewed haha
Javier Vidana so closing cost are separate from down payment?
Ellie M yes and no. They are separate, but at the end of the transaction they all get combined together as the “cash to close”.
Thanks for reviewing this Javier.
11 months later and you have over 24k subscribers! Congrats and keep all the good info coming.
77.2k
I love to hear about property tax. Here in the Chicagoland area, PT is insane. It make no sense at all. I came across a house for $97,000 with the PT at $5000. Another house for $235,000 with PT at $1200. But the average PT is around 5 to $6000 no matter how much the house is. It's very strange, but I'm sure they have a system that determines how much tax each property has. I often see the monthly tax as the largest payment on the monthly mortgage.
Your videos have helped me a lot. I like your cadence. It's relaxing for such an anxious thing.
Buying a new home with pulte. 7k incentive for closing cost but the closing cost at 14k. House is 272k
Live in pa here, my closing costs got quoted at $17,000. I have good credit too and putting 25% down.
My anxiety is through the roof after watching this
right!! im freaking out and im going to make an offer today.
Did He just talk me out of buying a house 😱
Omg same
True Story...
why? 7000 for closing fees? that alone costs taxes here in germany. 7k is a small number.
Closing on my house in a few weeks and this video was very helpful. Very informative. God bless!
Pretty sure I could do what the title company does myself!!
I'm pretty sure that's allowed as long as you know how to do it!
I'm shocked by almost 6% for closing in PA. So I need 20-25k for 300-400k house....
Again I Wish I saw this before signing ! Haha... I’m in the Bay Area, Ca and Closing this Friday signed my documents today and All those Fees added up just at 8k in Closing Costs...I wish I didn’t just stick with the Broker/Lender I was using for convenience and shopped around. On the next house 🏡
8k aside from your down payment??
My Question is why we need to pay Real estate taxes full year in front and Premium home insurance full year in front ? My second Question is what the difference between Property taxes and Real estate taxes? Thank you 🙏
This is the most helpful RUclips account I’ve subscribed to!
And now you got 80k! Good job man!
I dont live anywhere near you, but greatly apreciate the info you share. Thank you!
Wow! You wanted to reach 10000 subscribers and I'm watching your video with over 130k subscribers. Good job!
Hey FYI you still pay a notary even if you sign at the title office. 😀
What about a courier fee, lender's endorsements, loan service fee, notary fee, recording service fee, settlement fee?
Thank you for uploading these videos! Hopefully one day my husband and I can purchase a home in the 818.
Your videos has helped me a lot in my home buying process Good Job
I'm on escrow for a house I can tell you this shit is stressful and so many hidden fees and bullshit , be ready for a rollercoaster
Looking at this makes me mad because I recently bought and sold a house and it makes me want to barf the money I lost in these closing costs :(. I was mad! Really mad. Still am. Cringe thru this but next time I'm gonna nit pick it!!!
You think it’s Free? 😆
You're a great guy Javi, happy for your 10k
Your channel is gold, i like how you explain things. I wish i knew someone like you in NJ. We are in the process of buying a house. I liked your video and start follow you
The Donkey Kong outro music though 🤣🤣 what a throwback!! SUBSCRIBED‼️
You are amazing !!!!!! Thanks for explaining it all in a simple way !!! I have binged watch you’re videos 😂😂😍😍😍
Thank you. I'm not wellversed in real estate and these videos help so much.
Do you have a podcast?? I would to listen to your videos in the car or on my commute to work! Currently a young 24 yr old looking to buy my first house to house hack!
HD EDITS I’ve been thinking about starting a podcast and call it “Millennial Mentorship”. Basically me talking to other millenials who are successful at certain parts of life, so basically it’s millenials mentoring other millenials.
@@JavyVidana please do! I'll be your daily Listener
I Would listen As Well!!!
@@JavyVidana during this time of COVID-19, please start your podcast 🙏🏽
You are the best I’ve seen thus far. You make it look easy
Thanks for the info. Strait to the point, I like it! You definitely answered my question in how the seller can pay for closing costs. Buying a house from my friend and trying to do sell by owner. We'll definitely increase the price that way he can pay for closing costs. (Any extra info will help) thank you.
Thank you, this was a great video really laid out things well. Appreciated the quality and clarity. 🙏
Ok but do you realize that if it’s worth 200k and your offer is 206k so they can pay the closing cost. Well the lender doesn’t accept that their LTV can’t be more than the 96.5 unless it’s a VA. So you would still need to come up with the 6k out of your pocket
What is the " Balance To Close"? on a "As Is Purchase Real Estate Property?
Great video! I paid 10k in closing costs for my duplex. It’s crazy how expensive closing costs can be’ Theyre at times more expensive than a down payment
Thanks man, really helpful, appreciate the DK music at the end
Are closing costs paid up front by buyers or rolled into the mortgage?
I never understood what are the purposes for processing fees? We're essentially paying a company to do their job on top of the service fee. It's lame 😒
Easy to understand bcz real estate market is a legal scam 👎
I like your attitude.
Good review.
Just stumbled upon this video, we're starting our home buying journey so thank you for the information!
Also that Donkey Kong outro music though!
These fees remind me of when you buy concert tickets online lmao
Love the DK ending
thank you! you're a great teacher, javier!!
Common mistake to say increase the price to get closing cost. You insurance, your taxes, your title policy and yes realtor commission goes up. It is almost always a net loss vs just finding a way to cover your own DP. DP suck but you really should be asking yourself if you can even afford the house if you can't even cover the DP and CC.
Thanks for sharing this is very valuable information
$700 a year in taxes!!! Add another zero to mines 😭
Woke Media 2020 I hate Illinois and New Jersey taxes
6k 💀
Also add about 20% to whatever the lender tells you when you ask.
Seriously over here in Florida we’re past that as well
All tax deductible my friend
Am I crazy or is his outro song from the Donkey Kong game from the Super Nintendo?
I love that you have a Destiny Ghost over your shoulder like a guardian! Let me guess your a smash Titan?
which state has 2000 dollars a year property tax..i wana go m settle there...i live in nj now.
.
I really liked these video series. I love it.
This video was very helpful and very thorough!
I’ve learned a lot from this channel thanks man 🙏🏼 I will share this channel with all my friends !!
sent it to my work discord group, best of luck bro
Sooooo you can roll over your closing cost into your mortgage ?
I'm live in Sacramento, CA .
In in the middle of selling home using equity to to pay for down-payment on new home. I m a little worried about all closing cost because like say they never tell you or talk about it until you sign...
Me and my husband are desperately wanting to get a place of our own. But the couple realtors we got aren’t wanting to take us seriously. I know we are young but we saved up, have amazing credit and stable jobs, started a small business which I see a lot of potential in. We live in Georgia. Do you have anyone you recommend? Thank you
Hello! First time home buyer! I just stumbled upon your channel and subscribed immediately. You provide amazing insight on first time home buying. I loved the outro music, took me back to my DK playing days 😂 keep up the awesome work!!
Thanks alot Javier you helped me finally understand what’s closing cost!
Way more than 10k subes today, good job bud
I got a lender charging me about 20k for a 320k loan
Almost triple the cost of a 3.5 down payment
Am I getting screwed?
Any help please
Should I switch lenders am in Califorina
Your first mistake is purchasing a home in California 😬
Man this video was so informative! Thanks 🙏🏻
Just subbed seen a few videos been learning hope you make it to 10k soon
Your future you sent me here... how to get the seller to pay the closing cost.
Hmm...my lender had me pay for appraisal up front. 475? 😢 Is that what it cost roughly? I have to pay tommorow for my home inspection which is going to be about 400 😢
Javier when is the market going to cool down here in Phoenix I keep getting outbid, or houses are gone within a day or 2 it's crazy out here!!! Great videos keep up the good work!!!
Alex moreno Same here in Atlanta
Haven’t had that problem myself. Crazy market means you have to make the right offers. Can’t be specific since you’re working with another realtor in my specific area,l and I don’t like stepping on other realtors toes. Best of luck!
Same in Vegas currently.
Yeah its crazy in atl! Me and my wife kept bidding and getting beat. We were so frustrated with losing out that we made a crazy over bid on the house we fell in love with. We bid 7000 over asking price and didn't ask for any closing help. But on the back end now that we close in 10 days we're just finding out closing is going to be 9000. Smh! We have the money but geez that seems a bit high for $230,000 house. I imagined it would be about 7000 tops.
@@blockpartysaint2582 that is high! Our closing costs on $225k- $230k were supposed to be $6,000 at the max, but it's estimated around $3,500-4,500
If I qualify for 350,000. and I have 90,000. for down payment can I find a home for 400,000. per say and only borrow 350,000???? Don’t know if I make sense but I have been saving for a good down payment but only qualify for 350,000. Here in California it doesn’t get you much of a house.
Eyes up guardian. I like the ghost in the background. Thanks for the breakdown video i understand a lot more now.
Thanks man! I play destiny on twitch to check it Out if you have a twitch
Thanks for being clear and not creepy!
Not creepy? Thanks! Lol
SUBSCRIBED. Thanks for the info.
Good info, thanks
Now closing costs makes sense! I’m having trouble finding lenders, I’m not sure where to even start. What’s the best way to find reputable lenders? I’m ready to get pre approved and my agent recommended a local bank they work with but I’m concerned I won’t get the best rate through a bank.
Joseph Fisher If you’re concerned about getting the best rate you want to shop or on your loan with a mortgage broker and a big bank. Also don’t settle with the first realtor you talk to, ask around for a referral or look one up and see who has a good online presence.
Keep shopping till your satisfied 👍🏼
I’m in PA, and my estimated closing costs for. $200k home is $12k - $6k in preloads/reserves + $6k in closing fees... anyone else in PA can confirm this sounds about right? And this is NKT including any down payment.
Love this thank you so much for this info!
So do you have to pay the closing cost up front or can it be factored into your mortgage???
My 7500 incentive towards closing really got are up by the boosted fees the preferred lender is trying to charge. It’s like they virtually paid themselves.