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Glad it was helpful! Thanks for watching and leaving a comment.

Reach out to the credit bureau where the dispute was filed and let them know you wish to withdraw or cancel the dispute. Also contact the creditor to remove the dispute. That should do it😊

Awesome, thank you!

Thanks for watching and leaving a comment. The main driver of home prices is supply and demand. The second mortgage itself doesn’t impact housing prices. That said, the risk of any type of 100% financing is if property values drop lower than the amount owed on the home loan(s) and the owner needs to sell the home at that point in time.

Thanks for watching and commenting. We have distribution. Thanks!

Thank you! Appreciate you watching and leaving a comment! 😃

Thanks Kathy! Thanks for watching and leaving a comment. 😃

I'm so glad! Thank you for watching and commenting!

Thanks for watching and commenting. You might like this video on preparing your credit to buy a home: czcams.com/video/H1uXieRn8Do/video.htmlsi=VeEpKCynymvtzluo

We lend in 45 states and would love the opportunity to talk with you. Please schedule a call here bit.ly/3wERfRV or call us at 480-725-0150. Thanks!

FHA helps all different types of people. 😀 Thanks for watching and leaving a comment.

Thanks for watching!

Thank you so much for watching and leaving a comment. We have a new CZcams strategist coming on board in June but we will keep you in mind in the future if we are looking for these services :)

Wishing you luck on your home journey!

It is not available internationally but it's available in 48 states but NOT New York, or Washington.

This loan isn't for everyone but if someone is stuck on that down payment portion, this could be a fit! Thank you for watching and leaving feedback!

Thank you for watching and commenting!!

The person offering the secondary financing for the down payment must be a family member; doesn’t necessarily have to be a parent, could be an Aunt, Uncle, Sister, Brother, Cousin, etc

New one will come out today!

Thanks for watching and commenting! That is wonderful that you are able to do that with your kids!

If you need any help at all please don't hesitate to reach out to us to chat about your strategy, to run numbers, etc. You can schedule a consultation with us here: bit.ly/3wERfRV

Yes, it can be a great way to reduce ones payment but it doesn’t change the interest rate if and when they do go down.

@@MortgageHowDoI True, but it buys you moe time to wait out to see if they drop enough where it's advantageous to REFI

Thank you for watching and commenting!

Thank you for watching and commenting!

Thanks for watching and commenting! Great perspective!

Hahah thank you so much!

Thank you so much! Thanks for watching and always showing love and support!

Haha thank you for watching and commenting

That’s correct! There are home loans that don’t require a credit score however, the terms may vary and not all lenders offer them

Federal lending guidelines require any large / irregular (above 50% of your gross monthly income) deposits be documented with a paper trail. It’s not the specific lender/bank requiring it, but rather Fannie Mae, Freddie Mac, VA, FHA with these specific guidelines for the lenders & banks to follow throughout the underwriting process of home loans.

You can obtain a mortgage to purchase a new primary residence and then sell your current home, this happens all the time! Many buyers want the next home to move into without selling the current one first, this would be a non-contingent purchase of a new home. The mortgage on your current home will be paid off when the home is sold, you can then take the remaining proceeds to payoff the mortgage on your new home!

We service 45 states plus Washington DC. We would love to help! You can call or text us at 480.725.0150 or schedule a call with us here: bit.ly/3wERfRV

That is so amazing, I’m trying to get onto the investing ladder at 40. I wish at 55 I will be testifying to similar success..

Home prices will come down eventually, but for now; get your money (as much as you can) out of the housing market and get into the financial markets or gold. The new mortgage rates are crazy, add to that the recession and the fact that mortgage guidelines are getting more difficult. Home prices will need to fall by a minimum of 40% (more like 50%) before the market normalizes.If you are in cross roads or need sincere advise on the best moves to take now its best you seek an independent advisor who knows about the financial markets.

Impressive can you share more info?

Carol Vivian Constable is the licensed fiduciary I use. Just research the name. You’d find necessary details to work with a correspondence to set up an appointment..

She appears to be well-educated and well-read. I ran a Google search for her name and came across her website; thank you for sharing.

You are not excluded from being approved for an FHA loan when collection accounts are present on your credit report. 😊 Everyone’s circumstance varies as there are other items taken into account for an approval, such as debt to income ratio, assets, etc. Click here schedule an appointment to discuss your scenario bit.ly/3wERfRV

Lender costs do vary from lender to lender; interest rates should certainly be similar but can also vary depending on the lending platform.

Agreed. They are all paper pushers. I’m dealing with one through builder that is just lazy and not proposing anything. About to pull out and just loose my earnest money.

Not a problem at all, you can do that! If you have a mortgage on the investment property and financing was originally structured as a investment property you may be able to improve the terms of the mortgage with an owner occupied refinance….. assuming you move back & intend to stay there for the next 12 months. Let us know if you’d like to discuss your scenario further, you can schedule a call with us here bit.ly/3wERfRV or reach out directly 480.725.0150

I know :(

Yes, you can! Typically, tax returns are only needed if you are self-employed. If you are a straight W2 employee, no tax returns will be needed. Happy to chat through your scenario, click the link here bit.ly/3wERfRV

@@MortgageHowDoI Thanks for the info I don't want to waste your time, 😊 so I'll give you a brief profile. I work in the wedding industry. I was told I wouldn't qualify for an FHA loan I'm not sure if I'm self employed and what the details are. So I want to qualify and not sure what to do. As an alternative my income is through Venmo which will roll over to a 1040 tax return In learning all this, I also registered my LLC last March 2024 . thank you.

Navigating mortgage qualification as a self-employed individual can be complex. Since you're transitioning Venmo statements to a Schedule C for tax purposes and have recently registered an LLC, it shows proactive steps toward meeting requirements. However, most lenders typically require two years of filed tax returns for self-employed individuals. Consulting with a CPA would be helpful as well. They can provide expert advice on tax matters.

@@MortgageHowDoI Yes I'm learning it has been complex lol. So, do you think I can do it?

Once you have 2 years filed tax returns, we would be happy to review and start next steps :)

Thanks for watching and commenting!

Thanks for watching and commenting!

Thanks for watching and commenting!

Depending on if you're going through a separation or divorce, you may want to reach out to a family law attorney in your state for guidance. Many do complementary consultations!

You can do that, no problem! The new home you are purchasing will actually be considered an owner-occupied home as you’ll be moving into it. You can retain your current home; the current mortgage stays in place as is. 😊 You will need to qualify with both mortgage payments. If you’d like to discuss strategy on this further, please reach out! You can schedule a no-obligation call to discuss those goals with us and we can better help guide you here: bit.ly/3wERfRV