Thanks for stopping by everyone! I'm excited for 2021 and everything I have planned for this channel. I hope you all had a great holidays and a great start to the New Years so far. Cheers!
Hi! I'm in the market for buying a home. I currently have 20k in savings. My problem is my credit score. I have just under the 620+ score that you recommend. The problem related to that is that I have ZERO debts other than my car. How can I increase my score without opening a credit card or taking any hits on my credit? I did use the *Boost My Score* feature offered by Experian and I've exhausted all of those avenues. Any advice?
@@heatguillen if you have someone that trusts you with a higher credit score and a older card history. They can add you as an authorized user! You don't have to use the card or get access to it. If you want more info on it, just Google, "authorized user to boost credit score" Hope this helps!
@@jpht.adventures Thank you for the advice! I'll be speaking to my mother about this option. I grew up with the idea of NEVER possessing a credit card. I'm not sure if that's helping or hurting me at this point. We were all about saving so I'm not positive that she even has one! Lol. I truly enjoy your videos and I'm finding them EXTREMELY helpful! I really wish you success with this channel. Just be CONSISTENT with posting new content regularly and you'll do well! Thanks again!
I need some help figuring out question 1, 3 and 4. I figure I’ll wait 2 more years but I’d like to start planning now. I have little ones and I work with little ones.
What am I supposed to do if I have gaps in my work history? Or if I do independent contracting like uber? If I have the amount you suggest (20K for a 200K home,) is my work history still going to be a problem?
It all depends on what type of loan you’re getting. But you’ll usually need 2 years of consistent income. A loan officer will have be able to breakdown your financials and get you on the right path. Lmk if you need help finding one and I’ll do my best.
Thanks for stopping by everyone! I'm excited for 2021 and everything I have planned for this channel. I hope you all had a great holidays and a great start to the New Years so far. Cheers!
Hi! I'm in the market for buying a home. I currently have 20k in savings. My problem is my credit score. I have just under the 620+ score that you recommend. The problem related to that is that I have ZERO debts other than my car. How can I increase my score without opening a credit card or taking any hits on my credit? I did use the *Boost My Score* feature offered by Experian and I've exhausted all of those avenues. Any advice?
@@heatguillen if you have someone that trusts you with a higher credit score and a older card history. They can add you as an authorized user!
You don't have to use the card or get access to it.
If you want more info on it, just Google, "authorized user to boost credit score"
Hope this helps!
@@jpht.adventures Thank you for the advice! I'll be speaking to my mother about this option. I grew up with the idea of NEVER possessing a credit card. I'm not sure if that's helping or hurting me at this point. We were all about saving so I'm not positive that she even has one! Lol.
I truly enjoy your videos and I'm finding them EXTREMELY helpful! I really wish you success with this channel. Just be CONSISTENT with posting new content regularly and you'll do well! Thanks again!
@@heatguillen thank you! Keep me posted when you get that home! 🥳
Thank you!! Ver good video!!
Super helpful as always! Thank you for the honesty 👌🏼👌🏼💛
Thanks for tuning in John! I appreciate you!
Lovin' the educational content, keep 'em comin!
Thank you so much for making this extremely informative video
Yes my dog sasha deserve a yard lol 😆
I need some help figuring out question 1, 3 and 4. I figure I’ll wait 2 more years but I’d like to start planning now. I have little ones and I work with little ones.
Super helpful!
Thanks Sara! Happy New Years! 🎉
What am I supposed to do if I have gaps in my work history? Or if I do independent contracting like uber? If I have the amount you suggest (20K for a 200K home,) is my work history still going to be a problem?
It all depends on what type of loan you’re getting. But you’ll usually need 2 years of consistent income.
A loan officer will have be able to breakdown your financials and get you on the right path. Lmk if you need help finding one and I’ll do my best.