2013 - 2016 in and out of jail 2016 homeless and strung out on meth and heroin 2017 got sober and rededicated my life to the Lord 2019 rejoined the workforce and payed down debt 2020 picked up second job 2021 went from $10k to $50k in savings/investments 2022 - 2023 projected timeline to buy my first home All to God be the Glory Never stop dreaming people, if I can do it, so can you!!!
Vivian Lee think about the end result. I found a house that I thought was perfect but it didn’t work out. Completely devastating. There is nothing left to believe but that God has a much better plan. Your house is coming in the right time. Don’t quit. You will know that it’s the right one even if the whole world disagree with you. Your soul will just know and the price will be right for you.
@@OpiumBride Yes please take a break an don't settle buying a home one doesn't like I've seen way too much of it which turns out to be a sad situation in most cases I know one family that settled on a 4 bedroom single family home (living room dining room fully finished basement and attic half way finished) and ended up with one nasty cockroach infestation they didn't have the money to fix the problem so they stayed in the home with roaches as roommate's 😫
@@brittanyspencer3736 God indeed has something better for you so much better to the point you'll forget all about the whatchamacallit house you thought you wanted in the first place
@@OpiumBride sure did the inspector missed a ton of stuff most inspector's do hit an miss job's most see a lot of stuff wrong with the property but careless to mention it
My 2 cents. 1: I paid off all my debt 2: started buying stuff for my house. While I was still living at home 3: Saved 3 months of monthly expenses. 4: bought a foreclosure home 5: Got a 30yr mortgage. BUT, made extra payments.
@@ShaheedahHill Got a conventional loan. Had to replace the air conditioning unit, garage door opener unit and minor cosmetic work. Luckily, my dad knew someone. So I got both inexpensive.
Hi shaheeda 🌝 i 'm a first time home buyer i didn't know anything about buying a house thank you for explaining and sharing all this great information is very helpful i learned a lot god bless you 🌝
I was just searching and your video came up....I clicked and was so happy I did. Not many out there would be so forth coming....thank you for the video, it was eye opening. I have always wanted to buy but the jargon was not familiar to me but you broke it down. Thank you again.
Thank you for this first time home buyers series! I'm going into my last year of nursing school, and I hope to buy a house 2 years after I start working as a nurse. I watch these videos in my "downtime" to start introducing myself to the process.
Congratulations! I am going through the process now. Do you mind me asking how long it took for you to close. I’ve heard 30-45 days but due to Covid not sure if things are stalling now. Thank you 🙏🏽
@@shutyuhmuddaskunt1375 Hi, I see you and I have both interested in in the same topic. Let me tell you, that I was able to boost my credit 142 points in 30 days and secure $32,000 in credit with the Free “Aged Accounts” eBook and Tradelines from www.tradelinesforcredit.net Check it out, and let me know how it when.
@@jerellyeufracio3272 Hi, I see you and I have both interested in in the same topic. Let me tell you, that I was able to boost my credit 142 points in 30 days and secure $32,000 in credit with the Free “Aged Accounts” eBook and Tradelines from www.tradelinesforcredit.net Check it out, and let me know how it when.
I absolutely agree!!! Estimates are very important. Those quotes are paramount and will help you determine the best rate. Don’t be excited when you get approved. They need your busy just as much as you need a home... Look around for the best rates and best service... Budget... Budget... Budget!!!! I’ve purchased several homes over the years... if I could emphasis anything it would be BUDGET and watch all Shaheeda’s videos!!!!
Latina Morris You will. I started to target one loan at a time. I would pay my regular payments on all my loans then whatever extra money I had I would pay it on one. Soon enough I had pay ten loans off. I started with 37 total some undergrad and grad loans. Make sure you pay then on time. Also if for reason you can’t pay. Call them and I try to get deferred. My grandmother would always tell us... “pennies and up to dollars so watch and budget your money closely”. Also, you will need to be prepared to sacrifice for your ultimate goal...
Wow! Super valuable information! I'm clueless as to how to begin and my qualifications but this video is LIFE! I HAVE 0% OF KNOWLEDGE WHEN IT COMES TO PURCHASING A HOME but this video here....has shed some light on my lack of knowledge.... can I have you as my consultant? You're bright, intelligent and articulate very well.. thanks!
Welcome to the page! I have lots of videos that will help you understand the process and I also have a first time buyers Facebook group - please join that as well. Link in the description.
OMG thank you for this video my husband and I trying to buy a house and we need this advise I wish you live in NY I will hire you as my realtor. Love all your videos
I got connected to Gibbs, thinking I would get ripped the same way Lexington Law and Actify Solutions ripped me off , but to my biggest surprise on a beautiful shinning Monday morning the credit repair specialist at 'Gibbs@creditpatchup.com' texted me and told me to check my credit , signing in on IdentiyIQ was my most happiest moment of my life... 21 INQUIRIES GONE , 19 COLLECTIONS and others I now have CREDIT SCORE of 790+ , thanks guys 🤗 ....
As a young person who hasn't learned anything about how to maneuver life as an adult and doesn't have parental support to learn these things, I appreciate this video and your explanations
Although I'm in Jamaica, your tips are still useful for my case. Thanks so much for walking in your purpose. You're blessing many lives. God bless. 🙏🏾❤️🇯🇲😄❤️🇯🇲🙏🏾
Wanted to say thank you, I’ve watched your videos and I was able to purchase a home last year. You literally gave me the confidence to purchase with understanding.
I would like to purchase a home close to the Sandy Springs location, but not sure if you have options there. Covid has really changed my mind on homeownership. Thanks for all the great tips. I'll reach out soon at the right time.
Don't let Rona change your mind. A tip for homeowner ship is don't get anything you can't afford if the bank approves you for let's say $300,000 don't look for houses that high even if you are approved look for homes or duplex's way less in price
Good info. I always look forward to your videos. I wish you were here in MD. I’m having a hard time finding a good realtor that’s knowledgeable like you.
That's super nice of you I actually went to HS briefly in Hyattesville, Maryland. Interview at least 3 realtors, you will be hiring them so find one that will work hard and is patient. Thanks for watching!
That's super nice of you I actually went to HS briefly in Hyattesville, Maryland. Interview at least 3 realtors, you will be hiring them so find one that will work hard and is patient. Thanks for watching!
I never heard of a single thing you mentioned (besides taxes and credit) and there is so much I know I need to learn about now! 5 year plan here I come! Thank you!
When do I ask estimates after pre approval before send offers when, Also my other question is what benefits first time home buyer’s (FTHB) Thanks for your information
Ask the lender once they pre-appove you. FTHB may qualify for some down payment assistance programs. I have a a down payment assistance playlist you may want to take a look at.
I know you have said shop around for mortgages but really no mortgage is created equal, I was qualified for one they are very responsive and it's been 5 days waiting for others to respond hard to get a hold of them, I feel like my shopping around is done. Great tips thank you!!
Please watch my video about FHA loans, but no video specifically about duplexes but FHA loans and some conventional loan products will allow you to buy a multi-family home up to 4 units as long as you will occupy one unit with the lower owner occupancy down payment.
Ok so I’m 31, earn about $55k yearly and have money for a down payment. My credit is fair and I’m working on it. I would be a time home buyer and I’m super scared to start the process. I know can do it but I’m so scared to be turned down for loans 😩
You have to get over that fear and get into action. Even if you do a mortgage application and you are not approved at least you will know what you have to do to get approved. People who own homes do not have anything that you do not have - the only difference they took action.
Thank you for your response. Seems that applying for a mortgage loan is a complicated process. And besides I want to avoid paying a monthly mortgage payment.
@Kathy Lakowitz Hi, I see you and I have both interested in in the same topic. Let me tell you, that I was able to boost my credit 142 points in 30 days and secure $32,000 in credit with the Free “Aged Accounts” eBook and Tradelines from www.tradelinesforcredit.net Check it out, and let me know how it when.
It will be the same impact to your DTI - a lease or financing a car. So calculate your DTI first and make that best financial decision. Please watch my DTI video.
I truly cannot thank you enough. I just love how you make a daunting process enjoyable. I have learned so much by watching your videos. My plan is buy my first condo Spring 2021. I’m taking my notes and viewing all your videos
@Kathy Lakowitz Hi, I see you and I have both interested in in the same topic. Let me tell you, that I was able to boost my credit 142 points in 30 days and secure $32,000 in credit with the Free “Aged Accounts” eBook and Tradelines from www.tradelinesforcredit.net Check it out, and let me know how it when.
My wife and I watch all your videos together...making sure we have all check points covered before we buy our first home... you are like our own mentor we appreciate you!!!
There are lots of retirees coming to Georgia. You would be able to qualify, since you are retired you can live anywhere. As long as you have good credit and your debt to income ratio is not high you should be fine.
@@Elaysee Hi, I see you and I have both interested in in the same topic. Let me tell you, that I was able to boost my credit 142 points in 30 days and secure $32,000 in credit with the Free “Aged Accounts” eBook and Tradelines from www.tradelinesforcredit.net Check it out, and let me know how it when.
tried to get a quote today, first time buyer, with a 730 credit score, the guy said I needed 9k for down payment and closing costs, on a 60k loan. something just didn't seem right to me.....
Get another quote and it seems based on your numbers you were not going to owner occupy the property. Down payment is usually higher. Also some lenders do not do mortgages at that low of a purchase price. But definitely get at least 3 quotes.
@@ShaheedahHill Yes I was going to live there, It was only 1,900 and some change for the down payment, but some how the closing cost and other fees he said would be 7,000ish. But yes am getting more quotes today :) thank you.
Shaheedah, uncheck the "mirror reflection" option on the zoom or recorder site you are using. then the signage in the back ground will read correctly as other view.
Great video love what you do thank you so very I'm thinking buying a car needs to be clarified that we should not buy an expensive car before buying a home but if you find a car for around 3 - $5000 that is OK a lot of times when you are a teenager young person just starting out financing a affordable car is the best way to build your credit after all what good is their to buy a nice home in the suburbs if you can't get to it
You are amazing, love your video content. Im actually an agent in Queens NY. I been trying to get my youtube channel off the ground and these videos help tremendously with creating content for my channel. Thanks again Shaheedah !
🐐🐐🐐 as a financially stable young black man with absolutely no idea about real estate you have no idea how much you just taught me. Probably saved me from being taken advantage of or making a stupid decision
Thank you so much for this video, I will check out your other videos in the future. I am hopefully going to branch out and buy a house of my own. I will be a first time homebuyer over 40.
I’m 21, single & am starting the process of buying my first home this summer 🙏🏽. i’m nervous but i’ve been binging your videos & you’ve helped me so much! thank you!!
What is the recommended percentage for a mortgage compared to income? I heard some say 25 percent of your monthly income should be your mortgage. Is that right? I make roughly 2500 a month and 3 payments away from paying off a ten year old student loan. Thank God! I have nearly 7 grand in savings so far. Trying to increase that amount to 20k in two years to buy a home for my parents using the FHA loan. Am i on track or do i need to wait longer before i search for a home? Rent is getting way too expensive.
Some of the same but you are typically not financing a manufactured home with a mortgage. So you will be buying land and likely getting a chattel mortgage. www.rocketmortgage.com/learn/chattel-mortgage
Love the advice! I’m planning a year in advance to make sure I have all my ducks in a row so I have been taking plenty of notes. But I must say that a. USDA Loan shouldn’t be counted out in certain regions. I’m in Dallas and most USDA eligible areas become non eligible FAST! The xtra 15-20 min drive is worth it in the long run. I’m looking for new development rural areas that’s growing fast and I’ve already told my agent he can make commission off me twice if the area grows fast! LoL
Fantastic information all around. Even for those who have a fairly good knowledge base it’s great to hear it broken down into simplistic language. There are several types of first-time homebuyer loan programs that require little to no money down. It’s important you know which type of home loan is the best fit for your situation. Awesome content, thanks for sharing! Thank you so much Shaheedah.
![Ice On My Teeth - ATEEZ エイティーズ 에이티즈 [Music Bank] | KBS WORLD TV 241115](http://i.ytimg.com/vi/c-n92OgbbwA/mqdefault.jpg)
You're the only one who explains things in a way that I can understand and is straightforward. I do appreciate you!
Thank you!
I agree!! This video is really good. Thank you!
Agreed 👍
Thank you. I'll happily subscribe to your channel.
Exactly and that’s the reason I’m here
2013 - 2016 in and out of jail
2016 homeless and strung out on meth and heroin
2017 got sober and rededicated my life to the Lord
2019 rejoined the workforce and payed down debt
2020 picked up second job
2021 went from $10k to $50k in savings/investments
2022 - 2023 projected timeline to buy my first home
All to God be the Glory
Never stop dreaming people, if I can do it, so can you!!!
Inspiring..thank you for sharing.
Gr8, me too except for jail, meth & heroin, (not casting stonesGod is Gr8 4sure! Can retire in peace!💯✌🙏👷
Beautiful thing God is doing
Chris. Bro I am so happy for you.
Dang I really needed to read this. Keep it up Chris!
As a first time homebuyer, I think I need you as my realtor.
😍
Also don't settle on a house you really don't like due to the fact your drained from looking at houses this happens way too much
Amen. This is the one thing that you don’t want to settle on.
Vivian Lee think about the end result. I found a house that I thought was perfect but it didn’t work out. Completely devastating. There is nothing left to believe but that God has a much better plan. Your house is coming in the right time. Don’t quit. You will know that it’s the right one even if the whole world disagree with you. Your soul will just know and the price will be right for you.
@@OpiumBride
Yes please take a break an don't settle
buying a home one doesn't like I've seen way too much of it which turns out to be a sad situation in most cases
I know one family that settled on a 4 bedroom single family home (living room dining room fully finished basement and attic half way finished) and ended up with one nasty cockroach infestation they didn't have the money to fix the problem so they stayed in the home with roaches as roommate's 😫
@@brittanyspencer3736
God indeed has something better for you so much better to the point you'll forget all about the whatchamacallit house you thought you wanted in the first place
@@OpiumBride sure did the inspector missed a ton of stuff most inspector's do hit an miss job's most see a lot of stuff wrong with the property but careless to mention it
My 2 cents.
1: I paid off all my debt
2: started buying stuff for my house. While I was still living at home
3: Saved 3 months of monthly expenses.
4: bought a foreclosure home
5: Got a 30yr mortgage. BUT, made extra payments.
Great job! Was the foreclosure a HUD home? Did it need any repairs?
@@ShaheedahHill
Got a conventional loan. Had to replace the air conditioning unit, garage door opener unit and minor cosmetic work. Luckily, my dad knew someone. So I got both inexpensive.
@@azteca6695 good deal!
What is the timeline? How long were you living at home before you moved out?
@@sarahpearl9462
30 and was single at the time.
KEEP THE GEMS COMING TO THE COMMUNITY SIS
I'm sitting here taking notes. Working toward purchasing before next summer!
Thanks for watching. You will be ready🙂
Me too. And I’m doing everything she recommends to do.
Make that three!! And I hope she will be my agent!!
Me too
Awesome !!
You are truly the only person who has made any of this make sense. Thank you! ❤️
Thanks for the feedback. I appreciate that. Thanks for watching
I'm getting ready to purchase my first home this winter and anxiously can't wait. 😊
Good luck!!
Praying & God Bless ~🙏🏽💕🙏🏽
Hi shaheeda 🌝 i 'm a first time home buyer i didn't know anything about buying a house thank you for explaining and sharing all this great information is very helpful i learned a lot god bless you 🌝
My pleasure 😊
🗣🎤 All your information is appreciated. It's also appreciated that you periodically have guests available with their expertise as well. 💞
Thank you so much I’m turning 25 years old and I’m not getting any younger, thanks for dumbing most of these things down thank you
You are so welcome!
Congrats on your 20,000 subscribers
Thank you!!!
I was just searching and your video came up....I clicked and was so happy I did. Not many out there would be so forth coming....thank you for the video, it was eye opening. I have always wanted to buy but the jargon was not familiar to me but you broke it down. Thank you again.
Welcome and thank you for watching!!
Thank you for this first time home buyers series! I'm going into my last year of nursing school, and I hope to buy a house 2 years after I start working as a nurse. I watch these videos in my "downtime" to start introducing myself to the process.
Thank you so much for watching and congrats on your last year of nursing.
I'm a single mother and a first time home buyer. You explained very well .some good tips
Glad it was helpful!
I like that you made me feel you were speaking to me directly and i understood everything you said!! Great Job
Thanks for the feedback and good luck on the home ownership journey.
Great info, you sure shed a light on some of the questions I had as a First Time Home buyer.
@horashiosmart9298 Thank you for watching
I just closed on my 1st home Friday. Thank you for all your advice that helped me along the way 👍
Congratulations and you are so welcome!!!
Congratulations
@@serenaporter7733 thanks
Congratulations! I am going through the process now. Do you mind me asking how long it took for you to close. I’ve heard 30-45 days but due to Covid not sure if things are stalling now. Thank you 🙏🏽
@@RashekaO congrats.
It took me 30 days
You are very well informed Shaheedah! Very professional.
Thanks for watching!
House hunting in Dallas has been a pain!! Selllers market houses selling fast
I feel you, it is the same way in Georgia, inventory is low.
Same here in NY
Same in Houston!!! 😣
@@shutyuhmuddaskunt1375 Hi, I see you and I have both interested in in the same topic. Let me tell you, that I was able to boost my credit 142 points in 30 days and secure $32,000 in credit with the Free “Aged Accounts” eBook and Tradelines from www.tradelinesforcredit.net Check it out, and let me know how it when.
@@jerellyeufracio3272 Hi, I see you and I have both interested in in the same topic. Let me tell you, that I was able to boost my credit 142 points in 30 days and secure $32,000 in credit with the Free “Aged Accounts” eBook and Tradelines from www.tradelinesforcredit.net Check it out, and let me know how it when.
I absolutely agree!!! Estimates are very important. Those quotes are paramount and will help you determine the best rate. Don’t be excited when you get approved. They need your busy just as much as you need a home... Look around for the best rates and best service... Budget... Budget... Budget!!!! I’ve purchased several homes over the years... if I could emphasis anything it would be BUDGET and watch all Shaheeda’s videos!!!!
Thank you🙂 Yes, that estimate is sticker shock.
The student loans is what hurting me I’m on a ibr with a 0 payment for 10 years
I don’t know if I’ll ever be able to get my house fooling with these student loans
Latina Morris You will. I started to target one loan at a time. I would pay my regular payments on all my loans then whatever extra money I had I would pay it on one. Soon enough I had pay ten loans off. I started with 37 total some undergrad and grad loans. Make sure you pay then on time. Also if for reason you can’t pay. Call them and I try to get deferred.
My grandmother would always tell us... “pennies and up to dollars so watch and budget your money closely”.
Also, you will need to be prepared to sacrifice for your ultimate goal...
@@latisha1f great advice, thanks for sharing.
Thank you my goal is to buy a home in 2022
So glad I found your page. I am a first time homebuyer and I am learning so much before beginning the process.
Welcome to the channel - so happy you found me!
You are a godsend thank you so much queen. You need to teach seminars. You are awesome.
Thank you so much, I appreaciate that.
I hope I find a buyers agent half as smart as you. This info is perfect. Thank you 🙏
Thanks for the feedback and for watching
I'm so glad I found your channel l. Very informative for a 1st time home buyer looking to buy very soon
Awesome! Thank you for watching!
Wow! Super valuable information! I'm clueless as to how to begin and my qualifications but this video is LIFE! I HAVE 0% OF KNOWLEDGE WHEN IT COMES TO PURCHASING A HOME but this video here....has shed some light on my lack of knowledge.... can I have you as my consultant? You're bright, intelligent and articulate very well.. thanks!
Welcome to the page! I have lots of videos that will help you understand the process and I also have a first time buyers Facebook group - please join that as well. Link in the description.
OMG thank you for this video my husband and I trying to buy a house and we need this advise I wish you live in NY I will hire you as my realtor. Love all your videos
Thanks for watching and I'm happy they have been helpful🙂
This is what I’m going through with the IRS now. The people that approves the payment plans aren’t back at work yet due to Covid. 😩😩
I got connected to Gibbs, thinking I would get ripped the same way Lexington Law and Actify Solutions ripped me off , but to my biggest surprise on a beautiful shinning Monday morning the credit repair specialist at 'Gibbs@creditpatchup.com' texted me and told me to check my credit , signing in on IdentiyIQ was my most happiest moment of my life... 21 INQUIRIES GONE , 19 COLLECTIONS and others I now have CREDIT SCORE of 790+ , thanks guys 🤗 ....
As a young person who hasn't learned anything about how to maneuver life as an adult and doesn't have parental support to learn these things, I appreciate this video and your explanations
Thank you so much and thanks for watching
I love the thumbnails that pop up during your videos!! Makes me want to check them out! Great Resource
I don't get why more people also don't share the two years of employment at college, so helpful
Awesome! Thank you!
Yes, most people do not mention this but if you have employment out of college then you can usually buy a house. Thanks for watching.
Although I'm in Jamaica, your tips are still useful for my case. Thanks so much for walking in your purpose. You're blessing many lives. God bless. 🙏🏾❤️🇯🇲😄❤️🇯🇲🙏🏾
Thank you so much for your kind words. Many blessing to you as well. Thank you for watching!
Wanted to say thank you, I’ve watched your videos and I was able to purchase a home last year. You literally gave me the confidence to purchase with understanding.
You are so welcome! Thank you so much for coming back to share that with me!! Congratulations...hopefully this is the first of many 😊
Once I wish I had found your channel before I began my process
I'm happy you found me now.... I hope everything is going smoothly.
You know what you are talking about. Thank you.
Thanks Queen for sharing gems you are greatly appreciated✌🏾️💕
Thank you!
I am so grateful for finding this video!
Glad it was helpful!
I would like to purchase a home close to the Sandy Springs location, but not sure if you have options there. Covid has really changed my mind on homeownership. Thanks for all the great tips. I'll reach out soon at the right time.
Don't let Rona change your mind. A tip for homeowner ship is don't get anything you can't afford if the bank approves you for let's say $300,000 don't look for houses that high even if you are approved look for homes or duplex's way less in price
Thank you for the video. I am looking into buying my first home so I think FHA is my way to go. And luckily my debt to income ratio is zero.
That is great!
Good info. I always look forward to your videos. I wish you were here in MD. I’m having a hard time finding a good realtor that’s knowledgeable like you.
That's super nice of you I actually went to HS briefly in Hyattesville, Maryland. Interview at least 3 realtors, you will be hiring them so find one that will work hard and is patient. Thanks for watching!
That's super nice of you I actually went to HS briefly in Hyattesville, Maryland. Interview at least 3 realtors, you will be hiring them so find one that will work hard and is patient. Thanks for watching!
Excellent content and very digestible! Great video!
I never heard of a single thing you mentioned (besides taxes and credit) and there is so much I know I need to learn about now! 5 year plan here I come! Thank you!
So happy you were able to watch this video. You may find you can buy even sooner. Thanks for watching.
Helpful! I look forward to confidently buying my next home.👍
Great to hear!
Thank you for sharing your wealth of knowledge regarding home ownership. I really appreciate you.
You are so welcome! Thank you for watching...
When do I ask estimates after pre approval before send offers when,
Also my other question is what benefits first time home buyer’s (FTHB)
Thanks for your information
Ask the lender once they pre-appove you. FTHB may qualify for some down payment assistance programs. I have a a down payment assistance playlist you may want to take a look at.
I know you have said shop around for mortgages but really no mortgage is created equal, I was qualified for one they are very responsive and it's been 5 days waiting for others to respond hard to get a hold of them, I feel like my shopping around is done. Great tips thank you!!
Try to use other that your realtor has some relationship with, they may be faster to respond.
Definitely looking to purchase before spring. Your videos have been very helpful 👍🏾👍🏾🙏🏾🙏🏾
Awesome! Thank you!
Love your channel! You're so good at making things sound simple and not so scary.
Thank you so much!
trying to buy a home by September 2021 ....Thanks for the video
Best of luck!
Thank you for the information. You’re very beautiful. I like your simplicity.
Thanks for watching!
I appreciate the video which was so good I had to watch it twice.
Thank you so much. I appreciate that!
You are very helpful and knowledgeable. You go!
Thank you
Thank you im try to buy a house now and its a nightmare
Very clear & Concise! YOUR IT! Your going to guide me into my New Home 2021💯
Thanks for finding me! I look forward to guiding you in 2021😀
Do you have any videos on first time home owners trying to buy a duplex ?
Please watch my video about FHA loans, but no video specifically about duplexes but FHA loans and some conventional loan products will allow you to buy a multi-family home up to 4 units as long as you will occupy one unit with the lower owner occupancy down payment.
Ok thank you
You are so knowledgeable and thank you for being so informative! I just saved this video
I am new to this. These videos are extremely helpful.
Thanks for watching!
Thank you for your expertise. I am beginning to understand the process for home ownership. I will be a homeowner soon thanks to you.
Thank you for watching!
Thank you so much for the tips!! God Bless!!
Thank you for watching.
If my landlord doesn’t report rent payments to credit agencies can I show my rent receipts to the loan officer to proof excellent payment history?
Yes, also watch my "Breaking your lease video", we discuss that as well.
Found you and totally binging and receiving all the education I need on purchasing a home w my family- thank you so much !!!!
You are so welcome!
Ok so I’m 31, earn about $55k yearly and have money for a down payment. My credit is fair and I’m working on it. I would be a time home buyer and I’m super scared to start the process. I know can do it but I’m so scared to be turned down for loans 😩
You have to get over that fear and get into action. Even if you do a mortgage application and you are not approved at least you will know what you have to do to get approved. People who own homes do not have anything that you do not have - the only difference they took action.
Do you have any videos on first time home buyers looking for a mobile/manufactured home?
I don't but good idea, thank you for watching.
THIS IS SO HELPFUL OMG
I am going to be a first time home buyer and this really really helped me !! I appreciate you!
Thank you so much for watching!
Can you PLEASE do a video on the home buying process when your currently in a Bankruptcy! Also how long to wait after BK......
I did one a little while ago. There is a download as well ruclips.net/video/uHGKso7s3eg/видео.html
Thank you for your response. Seems that applying for a mortgage loan is a complicated process. And besides I want to avoid paying a monthly mortgage payment.
Hey no problem. It's not that complicated, please watch my "Pre Approval" it goes over the steps.
@Kathy Lakowitz Hi, I see you and I have both interested in in the same topic. Let me tell you, that I was able to boost my credit 142 points in 30 days and secure $32,000 in credit with the Free “Aged Accounts” eBook and Tradelines from www.tradelinesforcredit.net Check it out, and let me know how it when.
You suggest not financing a car before getting a house. What about leasing a car?
It will be the same impact to your DTI - a lease or financing a car. So calculate your DTI first and make that best financial decision. Please watch my DTI video.
I truly cannot thank you enough. I just love how you make a daunting process enjoyable. I have learned so much by watching your videos. My plan is buy my first condo Spring 2021. I’m taking my notes and viewing all your videos
Thanks you for watching!
@Kathy Lakowitz Hi, I see you and I have both interested in in the same topic. Let me tell you, that I was able to boost my credit 142 points in 30 days and secure $32,000 in credit with the Free “Aged Accounts” eBook and Tradelines from www.tradelinesforcredit.net Check it out, and let me know how it when.
My wife and I watch all your videos together...making sure we have all check points covered before we buy our first home... you are like our own mentor we appreciate you!!!
That is awesome! Thank you so much!
This has been really helpful. Great information and ty for sharing 👏🖤
I’m considering moving to Georgia and purchasing a home I’m retired and live on a pension, how difficult would it be for me to qualify for a loan?
There are lots of retirees coming to Georgia. You would be able to qualify, since you are retired you can live anywhere. As long as you have good credit and your debt to income ratio is not high you should be fine.
Thankyou
@@Elaysee Hi, I see you and I have both interested in in the same topic. Let me tell you, that I was able to boost my credit 142 points in 30 days and secure $32,000 in credit with the Free “Aged Accounts” eBook and Tradelines from www.tradelinesforcredit.net Check it out, and let me know how it when.
tried to get a quote today, first time buyer, with a 730 credit score, the guy said I needed 9k for down payment and closing costs, on a 60k loan. something just didn't seem right to me.....
Get another quote and it seems based on your numbers you were not going to owner occupy the property. Down payment is usually higher. Also some lenders do not do mortgages at that low of a purchase price. But definitely get at least 3 quotes.
@@ShaheedahHill Yes I was going to live there, It was only 1,900 and some change for the down payment, but some how the closing cost and other fees he said would be 7,000ish. But yes am getting more quotes today :) thank you.
Thank you!! This is great information! Im working on paying off debt and then saving for my first home!
Thank you for watching and best of luck.
Yes! Get the closing cost!
Shaheedah, uncheck the "mirror reflection" option on the zoom or recorder site you are using. then the signage in the back ground will read correctly as other view.
Thank you...I finally figured it our in my newer videos.
Great video love what you do thank you so very I'm thinking buying a car needs to be clarified that we should not buy an expensive car before buying a home but if you find a car for around 3 - $5000 that is OK a lot of times when you are a teenager young person just starting out financing a affordable car is the best way to build your credit after all what good is their to buy a nice home in the suburbs if you can't get to it
Thanks for watching!
Thank you for this video
And your time.
You are amazing, love your video content. Im actually an agent in Queens NY. I been trying to get my youtube channel off the ground and these videos help tremendously with creating content for my channel. Thanks again Shaheedah !
Thank you, yes do it for sure. Be consistent and don't give up!
HiIm also in Queens New York and looking to buy!
I'm saving up to start the process and this video was BEYOND helpful. Thank you so much!! 💕
great point on the taxes, doing that now!!
Thanks for watching!
Great information! I will definitely share with my buyers. Each one, teach one.
Awesome! Thank you!
You explain in your videos that even a new born can understand. Lamens Terms
Thank you, I try😊
@@ShaheedahHill doing great
I’m 21 and I am currently planning on buying a house by 23! Thank you for this informative video helps a lot!!!
You are so welcome!
Thank you for these great tips Shaheedah!
Thanks for watching!
glad to see an upload!
WOW WHAT GREAT INFO! 👏 ty!
🐐🐐🐐 as a financially stable young black man with absolutely no idea about real estate you have no idea how much you just taught me. Probably saved me from being taken advantage of or making a stupid decision
Thank you!
Thank you so much for this video, I will check out your other videos in the future. I am hopefully going to branch out and buy a house of my own. I will be a first time homebuyer over 40.
You are so welcome! Best of luck!
I’m 21, single & am starting the process of buying my first home this summer 🙏🏽. i’m nervous but i’ve been binging your videos & you’ve helped me so much! thank you!!
Thanks for watching!
This was so detailed and thorough, wow! Thank you.
Glad it was helpful!
I’m at work with my AirPods in taking really good notes lol❤
What is the recommended percentage for a mortgage compared to income? I heard some say 25 percent of your monthly income should be your mortgage. Is that right? I make roughly 2500 a month and 3 payments away from paying off a ten year old student loan. Thank God! I have nearly 7 grand in savings so far. Trying to increase that amount to 20k in two years to buy a home for my parents using the FHA loan. Am i on track or do i need to wait longer before i search for a home? Rent is getting way too expensive.
Thanks for watching, I have videos to answer those questions as well. Please watch how much should your mortgage payment be. I give 4 recommendations.
This is SO HELPFUL! You really laid this out in a way that is understandable and comprehensive. Thanks so much! Immediate follow.
Glad it was helpful, thanks for watching and subscribing.
This video answered so many of my questions. Thank you so much for posting it!
Glad it was helpful!
Can I use these same advice fir buying manufactured or prefab home? I’m buying land for a homestead.
Some of the same but you are typically not financing a manufactured home with a mortgage. So you will be buying land and likely getting a chattel mortgage. www.rocketmortgage.com/learn/chattel-mortgage
@@ShaheedahHill Thank you do much! I had no idea where to start until now. ❤️
Love the advice! I’m planning a year in advance to make sure I have all my ducks in a row so I have been taking plenty of notes. But I must say that a. USDA Loan shouldn’t be counted out in certain regions. I’m in Dallas and most USDA eligible areas become non eligible FAST! The xtra 15-20 min drive is worth it in the long run. I’m looking for new development rural areas that’s growing fast and I’ve already told my agent he can make commission off me twice if the area grows fast! LoL
Great point! Best of luck!
Very resourceful video, thank you.
You are welcome!
Fantastic information all around. Even for those who have a fairly good knowledge base it’s great to hear it broken down into simplistic language. There are several types of first-time homebuyer loan programs that require little to no money down. It’s important you know which type of home loan is the best fit for your situation.
Awesome content, thanks for sharing! Thank you so much Shaheedah.
Great to hear!
First time here and I'm loving the information so far.
Thank you
Thank you