Shaheedah is amazing! I called her to get info about Ga dream and she returned my call same day! She answered all my questions thoroughly and sent me all the info she promised me to my email. Thanks so much for all of the education you provide so we can own homes vs. renting forever and ever. You are very appreciated. Thank you 🙏
You are the most informative realtor I've seen in a while. Normally, I would ask realtors about first time home buyers programs, and would have to give the realtor information on the programs. Glad I found your channel.
Happy new year and thanks for watching. If you are interested in Down Payment Assistance watch my Georgia Dream Playlist. When you are ready to start the process give me a call.
@@ShaheedahHill I should have chosen you as our realtor as we too are in the ATL. We are in the early stages, preparing for our upcoming meeting with our NACA consultant. I watch your channel each day and am learning things I never knew. Trying to do this pretty much blindly, you are now giving me vision and subtle confidence to take this on. Thank you, Lady Hill.
Hello! Thanks so much for the great info. Can you do a video on how to choose a lender? There's so many options it's quite overwhelming. In particular, I'm trying to understand what rates and fees are standard or acceptable from a lender. Thanks so much! 🤗
I’m so happy I came across your channel. You have taught me so much more than my realtor/loan officer has. Now I’m asking them to do so much because now I know more thanks to you 😊
Hello Ms.Shaheedah/typed in 1st time homeowners advice and discovered your channel. I’m in the very beginning stages man” sigh 😔 this is so overwhelming but your Advice is spot on, I have only 1/lender at this time and a good realtor but you information offered is informative and very professional and extremely helpful.Thank you for creating this channel.💯appreciative 🙏🏾 btw wish you we’re my realtor 👊🏾
I want to get a house but I am conflicted. God says in His Word that His people are the head and not the tail, above only and not beneath, the LENDER not the borrower. If I get a loan to buy a house, I feel like I won't be walking in who God says I am, being the lender and not the borrower but I don't have cash and I desperately want to own a home. What do you think?
Thank you for your educational and informational videos. They have been so helpful to me. I’m a single first time home buyer and I’ve been watching your videos to prepare me for when I’m ready to search for a home in the next few months. I’ve been able to pay off all my debt and save a good amount of money but waiting for the market to cool so I can put more towards the down payment and other costs. I’ve really learned a lot from your videos
Hi. Thank you so much for taking the time to make such informative videos on down payments and buying a home. I have been saving and saving to get that down payment together for a condo in nyc. Will be working with one of the housing assistance programs. But I am watching videos like yours to be more informed. Thank you so very much. 🙏🏾
Just came across your channel and I'm happy because I'm on the journey of home buying in 2020 and I need all the help /info/advise I can get 😊😊....thank you new subbie
@@ShaheedahHill I've binge watched your videos so so far I'm OK but if I have any questions bet your $$ I'll be asking...thank you so much keep those videos coming because I'll be waiting and 👀👀👀😊😊😊
Yes, you can use grants on new construction as well, but sometimes they have additional incentives if you use the builders preferred lender. If it is a large lender they are likely knowledgeable about the DPA programs available in their area, so you can use both.
Thank you for this video. Great info. I was wondering if you could explain on a future video the average cost of these extra expenses when buying a home. Such as inspections, insurance, appraisal, and other closing cost. Will that all usually cost more than the down payment of $3.5k?
Shaheedah, your videos are inspiring. I’m so glad I found your channel definitely earned a subscription from me. I am getting prepared to purchase a home soon first time buyer.
Thanks for all of the great information. Just a small critique the audio in the video has a little echo. Add an inexpensive audio mic would give you videos a nice flair. Keep up the great work and give much need advise. ✊🏾
Thank you so much for you videos very very helpful painful but very helpful. Painful because even though I agree the more down payment the better, However, you suggestion of 10% a month for 6 month's 295k that' 2500 month ouch but ill do what i do, thank you again
Hi Shaheedah, great channel. So informative. Thank you for sharing & educationing me. I have a questions, what is the minimum credit score to be able to qualify for assistance programs & to secure a mortgage. I was told that you can qualify for any of the programs but if you have low to moderate credit score you won't get approve for a mortgage through the bank. I was also told that you need to have at least 700 -800 credit score. Can you please confirm & clarify. Does credit score affects your interest rate as well as the amount of down payment?
It varies by program, watch my Live I did recently on down payment assistance. It's under the LIVE tab. For example for most of the programs in Georgia it's around at 620.
What is your view on credit repair? I want to purchase a home but I have so collection items on my credit. My grandmother always told me not to pay anyone, just start over by paying current bills on time. How can i rebuild my credit and get approved for a home? I do have secured credit card which has helped my credit, but now it not where it needs to be.
I agree with grandma, everything credit repair companies do you can do yourself: You should get a copy of your 3 credit reports from annualcreditreport.com and see exactly what is negatively affecting your credit. Once those are identified then: 1. Dispute in writing any inaccuracies 2. Send a Goodwill letter to anyone that is accurately reporting but you are currently in good standing with. 3. After you do the above do a pay for delete with any recent collection items. Never pay full amount and get it in writing that they will delete it from your credit report before you pay.
Homes for Heros is program that works with lenders and Realtors. The Realtor is able to rebate some of their comission to the homeowner. However, you have to use one of their lenders. So if you choose to do something like this please quote outside the program as well. They work as a referral source for lenders and real estate agents.
3.5-10% down payment based on the price of the house. But I assume you need to be pre-approved for a loan first to know how much you can afford and look for? Which comes first?
Shaheeda, you talked a little about new construction loans, I need to know if the money I get to build my home is the same as my mortgage. Do I have closing costs and down payment with such a loan?
Yes, you will have closing costs and down payment more than likely. You can look into USDA Contruction loans - they are no down payment. Here is a link to that video - ruclips.net/video/NMPvL25fWZI/видео.html
So why would I need to get my home inspected if I am doing an FHA loan? Because you said in one of your other videos that FHA will not lend you the money if the Home needs major repairs right?
They will appraise and do a inspection for minimum property standards, it is not a thorough inspections. You still need your own inspection. Good question, I am doing a lender video specifically for FHA loans soon.
Shaheeda- I have my own business and a realtor I know that we did some work for on getting her house fixed up or ready to sell gives us business occasionally. I am so torn on whether or not I should use her. She is a good realtor but part of me thinks it’s not always good to mix business with personal. Also not sure if she is very familiar with the area I might move to. What are your thoughts?
Since she has given you buiness in the past and if you would appreciate her business in the future you should as least give her a chance to earn your business. If she does not work in the area that you want to buy in you can also give her an opportunity to refer you to another Realtor and get a referral fee. Best of luck!
i am trying to buy in FLORIDA do you know anything about the home buying in that state? Iam moving from MARYLAND to FLORIDA in 2021 the end of march. PLEASE HELP
@@ShaheedahHill Found one and already have Pre Approval!!! You are a awesome teacher for home buying I watched every video I can't THANK YOU enough!!!❤❤❤ I been telling everyone to hook up with you for First Time Buyer's Class
Question, when should I begin looking and applying for down payment assistance?? Should I start now, search and apply (even though I might not begin the home search for the next few months) or just simply wait until I’m ready to begin the home search and then start applying for down payment assistance?
Most programs require you to go through a lender to access the funds. So first see how the programs you are interested in work, then either contact the lender or apply with the program. Do your research at least 6 months out and start applying 3 months before you want to be in your home. Thanks for watching!
Hi, just came across your video. Just wondering can you save a down payment, and use a down payment program as well either for the closing costs or just as an additional down payment? Do these programs require you to payback?
If I buy a home in my current state the buy a home in GA, do I qualify as first time homebuyers in GA since it's in a different state- just want to know if I qualify for the 15K?
Yes. I think you should still get an inspection. They are usually less expensive than single family homes. You want to make sure of the condition is of any property you are buying.
Who gets the fees? Are people just charged this money to loan this money? Wouldn't that just be interest? I found this to be rather like those weird fees that car dealers charge you.
At the closing - The attorney and/or title company gets paid, the lender, home owners insurance company, the state/city(taxes), the HOA (if there is one), the appraiser(if you didn't pay upfront). Good questions!
I still don’t understand how these ppl just decide to give ya money for down payments and closing costs to help us...like they’re literally just giving us free money lol Is that escrowed into the mortgage or anythjng ??
I am nor sure it would be a inpector but definitly a survey company to survey the land. Check for utlities, easements, encroachments, etc. Have your agent advise you before purchasing land and make sure they have represented someone buying land before.
You need to have some money saved to buy...you can watch my video on buying with no money to see if that might work for you - ruclips.net/video/cH8NiWCR_fg/видео.html
![Noob To Max With DRAGON REWORK In Blox Fruits [FULL MOVIE]](http://i.ytimg.com/vi/LnBMOinoOvA/mqdefault.jpg)
This video lead me to get approved for a $10k down payment assistance program! TY!!!
So happy for you! Thank you for the feedback. A great way to start 2020😊
Dee M. Hey are you willing to share the program?
@@Only1Me0206 I am using the the NJ DPA program but the information under the video links the site for all state programs.
@@Thr3deee I'm in NJ and I saw this too. I'm looking more into it. If you have any inside scoop, I'd live to know.
How long did it take you to get approved?
Shaheedah is amazing! I called her to get info about Ga dream and she returned my call same day! She answered all my questions thoroughly and sent me all the info she promised me to my email. Thanks so much for all of the education you provide so we can own homes vs. renting forever and ever. You are very appreciated. Thank you 🙏
Thank you so much for taking time to give this feedback. I really appreciate it!
You are the most informative realtor I've seen in a while. Normally, I would ask realtors about first time home buyers programs, and would have to give the realtor information on the programs. Glad I found your channel.
Thank you for watching and giving such great feedback!
It was no mistake I came across your channel. I’m planning on relocating and getting a house in the ATL wow thanks.
Happy new year and thanks for watching. If you are interested in Down Payment Assistance watch my Georgia Dream Playlist. When you are ready to start the process give me a call.
Shaheedah Hill Real Estate I will be in contact soon.
@@ShaheedahHill I should have chosen you as our realtor as we too are in the ATL. We are in the early stages, preparing for our upcoming meeting with our NACA consultant. I watch your channel each day and am learning things I never knew. Trying to do this pretty much blindly, you are now giving me vision and subtle confidence to take this on. Thank you, Lady Hill.
I wanna say thank you for taking your time to make videos to explain these important steps 👍🏾
Thanks for the feedback and thanks for watching
Hello! Thanks so much for the great info. Can you do a video on how to choose a lender? There's so many options it's quite overwhelming. In particular, I'm trying to understand what rates and fees are standard or acceptable from a lender. Thanks so much! 🤗
Yes, I can definitely do that this month, Thanks for watching.
This channel it’s taking me directly to my dream “
Can’t b more thankful ❤
Thanks so much for watching😊
I’m so happy I came across your channel. You have taught me so much more than my realtor/loan officer has. Now I’m asking them to do so much because now I know more thanks to you 😊
I appreciate that. Thank you for watching and finding me 😀
Hello Ms.Shaheedah/typed in 1st time homeowners advice and discovered your channel. I’m in the very beginning stages man” sigh 😔 this is so overwhelming but your Advice is spot on, I have only 1/lender at this time and a good realtor but you information offered is informative and very professional and extremely helpful.Thank you for creating this channel.💯appreciative 🙏🏾 btw wish you we’re my realtor 👊🏾
Thank you for watching and for the feedback , I appreciate it!
Mines 2
Preparing Planning and Praying 🙏🏽 Your videos are carrying me through most of the housing process while buying a house. Thank you 😊 You are awesome ❤️
Yes, ma'am best of luck as you continue this journey. It will be worth it!
I want to get a house but I am conflicted. God says in His Word that His people are the head and not the tail, above only and not beneath, the LENDER not the borrower. If I get a loan to buy a house, I feel like I won't be walking in who God says I am, being the lender and not the borrower but I don't have cash and I desperately want to own a home. What do you think?
You make things so easy to understand. You are the best that I have seen and heard this year. You are excellent and very informative teacher.
Wow, thank you Charles. Welcome to the channel!
We need someone like you to help with the process of buying houses in New Jersey
Omg you are an angel and life saver!! I am watching your videos because I'm getting ready to buy a home. Thank you
You are so welcome!
Thank you for your educational and informational videos. They have been so helpful to me. I’m a single first time home buyer and I’ve been watching your videos to prepare me for when I’m ready to search for a home in the next few months. I’ve been able to pay off all my debt and save a good amount of money but waiting for the market to cool so I can put more towards the down payment and other costs. I’ve really learned a lot from your videos
Thanks so much for watching
You are the real deal. I just found your channel, the information you provide is very informative.
I appreciate that! Thank you for watching and for the feedback.
Hi. Thank you so much for taking the time to make such informative videos on down payments and buying a home. I have been saving and saving to get that down payment together for a condo in nyc. Will be working with one of the housing assistance programs. But I am watching videos like yours to be more informed. Thank you so very much. 🙏🏾
Thanks for watching!
Im glad I found you! Thank you - from Boston MA. Working hard for my empire $$$
Welcome!
Just came across your channel and I'm happy because I'm on the journey of home buying in 2020 and I need all the help /info/advise I can get 😊😊....thank you new subbie
Thanks so much for subscribing and watching. Working on new videos now😊. Is there any particular topic you want me to cover?
@@ShaheedahHill I've binge watched your videos so so far I'm OK but if I have any questions bet your $$ I'll be asking...thank you so much keep those videos coming because I'll be waiting and 👀👀👀😊😊😊
A Jo same!
@@gabrielleclark8653 Thanks for watching and I have my First Time Buyers playlist for you as well. If you have questions just let me know😊
How would this scenario work with a new construction home? Can the first time home buyers grants be used on new construction homes?
Yes, you can use grants on new construction as well, but sometimes they have additional incentives if you use the builders preferred lender. If it is a large lender they are likely knowledgeable about the DPA programs available in their area, so you can use both.
Very clear and informative for a new home buyer. M so liking ur video 🌷
Thank you so much 😊
God bless you for all your help. You are very honest and kind. I learn so much from you.
So nice of you, thank you!
Thank you for this video. Great info. I was wondering if you could explain on a future video the average cost of these extra expenses when buying a home. Such as inspections, insurance, appraisal, and other closing cost. Will that all usually cost more than the down payment of $3.5k?
Thank you so much for sharing this very important information, you are helping soo many of us that have no clue. You are truly a God sent!!🙏🥰
Thank you!
You explain these things like one one I have listened too. Have you thought about teaching and licensing Realtors?
No, but maybe I should 😀
Shaheedah, your videos are inspiring. I’m so glad I found your channel definitely earned a subscription from me. I am getting prepared to purchase a home soon first time buyer.
Awesome! Thank you, welcome to the channel!
Thanks for all of the great information. Just a small critique the audio in the video has a little echo. Add an inexpensive audio mic would give you videos a nice flair. Keep up the great work and give much need advise. ✊🏾
Thank you for the advice.
This video is so informative. Thank you for sharing so much. I have learned so much from this video.
Thank you so much for watching!
We have to get out of debt first🕊❤️🙏🏽
But I am focused now !!
Thanks for watching.
Thank you! This was very helpful.
Glad it was helpful and thanks for watching!
Hi, I am a new sub. Your channel is very informative and I have learnt a lot from you. Thank you!
Thank you for watching!
Thk you! Much appreciated!
You're welcome!
Thank you soooo much for sharing these tips. You rock!!!!
You are so welcome!
Hi, do you have videos specifically for 1st time home buyers who are buying new construction homes?
I have one. Please search new construction on the videos page
Can you do a video on self employment first time home buyer process?
Thank you so much for you videos very very helpful painful but very helpful. Painful because even though I agree the more down payment the better, However, you suggestion of 10% a month for 6 month's 295k that' 2500 month ouch but ill do what i do, thank you again
You can do it! Thank s for watching!!
Thank you! This was so informative!
Thanks for watching!
Hi I love your video and how you are educating people about buying a house . My question is can you used a car note to help buy a home
I don't understand your question, please clarify.
Interest rate also consider credit score, too!!!
Hi Shaheedah, great channel. So informative. Thank you for sharing & educationing me.
I have a questions, what is the minimum credit score to be able to qualify for assistance programs & to secure a mortgage. I was told that you can qualify for any of the programs but if you have low to moderate credit score you won't get approve for a mortgage through the bank. I was also told that you need to have at least 700 -800 credit score. Can you please confirm & clarify. Does credit score affects your interest rate as well as the amount of down payment?
It varies by program, watch my Live I did recently on down payment assistance. It's under the LIVE tab. For example for most of the programs in Georgia it's around at 620.
@@ShaheedahHill Thank you for your response. After I sent you the question I did watch your video on programs. Thank you
Can you do a video about the cost of a new built cost and first time homeowner
What is your view on credit repair? I want to purchase a home but I have so collection items on my credit. My grandmother always told me not to pay anyone, just start over by paying current bills on time. How can i rebuild my credit and get approved for a home? I do have secured credit card which has helped my credit, but now it not where it needs to be.
I agree with grandma, everything credit repair companies do you can do yourself:
You should get a copy of your 3 credit reports from annualcreditreport.com and see exactly what is negatively affecting your credit. Once those are identified then:
1. Dispute in writing any inaccuracies
2. Send a Goodwill letter to anyone that is accurately reporting but you are currently in good standing with.
3. After you do the above do a pay for delete with any recent collection items. Never pay full amount and get it in writing that they will delete it from your credit report before you pay.
amazing thank you for your help
You're welcome!
Great information and a very well put together video. Thank you.
Thank you for watching and for the feedback!
Can you please do a video on home buying programs such as Homes for Heroes?
Homes for Heros is program that works with lenders and Realtors. The Realtor is able to rebate some of their comission to the homeowner. However, you have to use one of their lenders. So if you choose to do something like this please quote outside the program as well. They work as a referral source for lenders and real estate agents.
3.5-10% down payment based on the price of the house. But I assume you need to be pre-approved for a loan first to know how much you can afford and look for? Which comes first?
Pre-approval comes first and yes then base the percentage off of that pre-approval amount. Thanks for watching!
What do you think about using 401k for down payment right now fidelity has a special loan from my 401k that get me $10,000 to $13,000
Thank you.
You're welcome!
Shaheeda, you talked a little about new construction loans, I need to know if the money I get to build my home is the same as my mortgage. Do I have closing costs and down payment with such a loan?
Yes, you will have closing costs and down payment more than likely. You can look into USDA Contruction loans - they are no down payment. Here is a link to that video - ruclips.net/video/NMPvL25fWZI/видео.html
So why would I need to get my home inspected if I am doing an FHA loan? Because you said in one of your other videos that FHA will not lend you the money if the Home needs major repairs right?
They will appraise and do a inspection for minimum property standards, it is not a thorough inspections. You still need your own inspection. Good question, I am doing a lender video specifically for FHA loans soon.
Sadly there are people in the market right now buying homes while waiving inspections. Screw that
Thank you so much for sharing💕
You are so welcome!
Is there a difference between home ownership and condominium ownership ?
It is similar as far as the amount you need to have to purchase. Condos often have monthly association fees as well. So you need to budget for those.
Shahnnedah, is it true the more you add to the closing cost, the less your mortgage will be?
Yes, because you are paying down the mortgage down.
Can you make a video on credit repair please ?
Yes, this month. Promise😀
Shaheeda- I have my own business and a realtor I know that we did some work for on getting her house fixed up or ready to sell gives us business occasionally. I am so torn on whether or not I should use her. She is a good realtor but part of me thinks it’s not always good to mix business with personal. Also not sure if she is very familiar with the area I might move to. What are your thoughts?
Since she has given you buiness in the past and if you would appreciate her business in the future you should as least give her a chance to earn your business. If she does not work in the area that you want to buy in you can also give her an opportunity to refer you to another Realtor and get a referral fee. Best of luck!
When I apply for the down payment assistance program, how long will it take, especially if you apply during escrow.
During the pre-approval process, and before you go under contract. Here is my DPA FAQ - ruclips.net/video/ptC3T3ro5v8/видео.html
This is good. 👍🏾👏👏
Thanks!
This was awesome thank you
You are so welcome!
Super helpful thank you
You're welcome! Thank you for watching!
Does the lender finds a inspection and appraisal...or do you find those...
You find the inspector, lender sends the appraiser.
i am trying to buy in FLORIDA do you know anything about the home buying in that state? Iam moving from MARYLAND to FLORIDA in 2021 the end of march. PLEASE HELP
Start looking for Realtors in Florida to connect with, they will be able to help you with the process.
@@ShaheedahHill Found one and already have Pre Approval!!! You are a awesome teacher for home buying I watched every video I can't THANK YOU enough!!!❤❤❤ I been telling everyone to hook up with you for First Time Buyer's Class
Question, when should I begin looking and applying for down payment assistance?? Should I start now, search and apply (even though I might not begin the home search for the next few months) or just simply wait until I’m ready to begin the home search and then start applying for down payment assistance?
Most programs require you to go through a lender to access the funds. So first see how the programs you are interested in work, then either contact the lender or apply with the program. Do your research at least 6 months out and start applying 3 months before you want to be in your home. Thanks for watching!
Say you also save money at home can you use it as closing costs?
You can use you money towards closing costs or the lender/builder can contribute.
Shaheeda can I use a restate agent from one state to bu a home in another state?????
Agents have to be licensed in the state, several agents have multiple state licenses. So if they are licensed in your state, yes.
How much money do you have to have in your bank account and how long do you have to have an bank account
I recommend you save 7% of the sales price.
Are there conventional loans with 3.5 downpayment
There is a conventional loan at 3%, ask your lender about the Home Ready program.
Isn’t the appraisal paid at the end with the closing cost though?
It depends on the lender, but most will make you pay it upfront. Ask this question during the pre-approval process. Thanks for watching!
Do they have assistance programs in new york
Yes. Please watch my best Down Payment Assistance in every state video.
Hi, just came across your video. Just wondering can you save a down payment, and use a down payment program as well either for the closing costs or just as an additional down payment? Do these programs require you to payback?
Yes, you can. However some DPA programs do require pay back, others you have to live in the house for a certain amount of time before it is forgiven.
@@ShaheedahHill Thank you so much!!!
p.s. if I do move to GA I will becoming to see you lol
Can we still use a down payment assistant program even if we have some of a down payment???
Yes you can.
Seller's don't like down payment assistance programs in these day's.
Thing's have changed after the pandemic 😔
Very true!
Why? I heard this in another video but I am not clear why.
What’s earnest money??
Here is a video that I did about earnest money: ruclips.net/video/Z9ZOa1HL_KI/видео.html
So should I base the 3.5% on the price of the house? or is it 3.5% once they apply taxes, etc?
Price of the house. Thanks for watching!
If I buy a home in my current state the buy a home in GA, do I qualify as first time homebuyers in GA since it's in a different state- just want to know if I qualify for the 15K?
No, you wouldn't qualify unless you have not owned a home in the last 3 years and you have employment in the state.
I would like to chat with you about buying a home
Join the first time buyer FB group
I need a Black realtor in Ga. Do you know anyone?
Me😊. You can email or schedule a consult, my link is in the description.
If you are approved for down payment assistance can you put money with the assistance and still receive the down payment assistance???????!
Yes you can use both together as long as you qualify
Hi Are you working in Atlanta
Yes but I have a referral system. I am not taking new clients at this time. forms.gle/qC2uP4YRednyEyLa6
Inspection is required for a condo too?
Yes. I think you should still get an inspection. They are usually less expensive than single family homes. You want to make sure of the condition is of any property you are buying.
@@ShaheedahHill your channel is really excellent! I Binge watched it and feel ready to take the big step. Thanks and God bless you
@@PTChitown Thanks!
Hello Is there a way to have a consultation with you?
No, but join me on my LIVE streams, they are usually twice a month and I have all replays with timestamps under the LIVE tab. Thanks for watching!
Who gets the fees? Are people just charged this money to loan this money? Wouldn't that just be interest? I found this to be rather like those weird fees that car dealers charge you.
At the closing - The attorney and/or title company gets paid, the lender, home owners insurance company, the state/city(taxes), the HOA (if there is one), the appraiser(if you didn't pay upfront). Good questions!
☺️I Need You I live in Miami but i want to buy a house in GA cant you help me please. Ty.🇵🇦❤️✊🏾
I still don’t understand how these ppl just decide to give ya money for down payments and closing costs to help us...like they’re literally just giving us free money lol
Is that escrowed into the mortgage or anythjng ??
Do u need to hire an inspector to buy land?
I am nor sure it would be a inpector but definitly a survey company to survey the land. Check for utlities, easements, encroachments, etc. Have your agent advise you before purchasing land and make sure they have represented someone buying land before.
Hey beautiful....💕✊🏽
Are you a lender
No
✍🏾🇯🇲
you are do beautiful
Nobody is helping me everybody I talk to tell me I have to have 6 to 8 thousand dollars
You need to have some money saved to buy...you can watch my video on buying with no money to see if that might work for you - ruclips.net/video/cH8NiWCR_fg/видео.html
Guess I’ll never buy a house 😂
You will, start saving now 😊
Thank you for this info
Thanks for watching