Buying a home in 3 MONTHS? Here’s your gameplan
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- čas přidán 16. 06. 2024
- Buying a home is stressful. And when it takes you over 6 months, loads of wasted time, and the fear that eventually buyers will come out of the woodwork and steal your “dream house” right from under you, it can be downright maddening. But there are steps you can take to make the experience more enjoyable, and even fast. Follow this 90 day plan to win the house you love.
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0:00 Buying a home in 3 MONTHS Here’s your gameplan
2:30 Avoid the doom scroll
4:13 Day 1 - Use your budget
5:37 Day 2 - Start a pre-approval
7:11 Day 3- 4 - Need vs. wants list
9:43 Day 5 - Exit lease & plan to sell
10:55 Day 6-7 - Real estate agent
12:33 Day 8 - Get a home inspector on-board
12:57 Day 11+ - Explore homes
18:50 Make an offer
20:32 Close on your home
- DISCLAIMER -
Kyle Andrew Seagraves is Federal Mortgage Loan Originator (NMLS 1701021) licensed in all 50 states with the Dan Frio Team at Allied First Bank (NMLS 203463), an Equal Housing Lender. Separately, Kyle owns Win The House You Love LLC, an education company. Win The House You Love LLC is not a lender, does not issue loan qualifications, and does not extend credit of any kind. This video is only for educational usage. All calculations should be verified independently. This video is not an offer to lend and should not be used directly to make decisions on home offers, purchasing decisions, or loan selections. Not guaranteed to provide accurate results, imply lending terms, qualification amounts, or real estate advice. Seek counsel from a licensed real estate agent, loan originator, financial planner, accountant, and/or attorney for real estate, legal, and/or financial advice. Allied First Bank is not affiliated with the VA, FHA, or any other government agency. This video has not been approved by any government agency.
Doom scrolling is one of my favorite past times😂
😂
One of The worst scrolling of all time..all those beatiful home that i want but have no money ..plus frustration that prices is so high..almost gave up and just keep renting to death
Same, I’m so good at it 😅
Facts 😂
SAAAAAMMMMEEE
We doom scrolled for a LONG time and I would easily get upset when houses I liked went under contract. Once we went through the pre-approval process and found a realtor, everything went really fast. In the time span of about 3 weeks, we saw about 6 houses, made 3 offers and are currently under contract in the home appraisal stage. We're so close I can't wait!
Congrats!
update??
@@202WinkProductions Sitting in the living room of that house right now. Not a regret to be had.
@ClassicGoldCigarettes that's fantastic!!!!
@ClassicGoldCigarettes congrats that's awesome! Were you able to get the house at the listing price? Every home around me right now in NJ (the decent ones) is going for over the asking price, sometimes $50k over, craziness.
There's also the saving phase :) took me 18 months to save $40k for my DP/CC on my own without help. Long af but doable with patience!
Awesome! 💪
Yeah, I've saved a little over 13k. I think that's enough lol. Time to jump!
@@radiantlibra87which state are you searching in?
This is the comment I needed to see. Saving up for a DP is most important. Thanks
Damn you must make a ton of money i only make 50k a year before taxes so you saved more money then i make in a year after taxes
I’ve been looking since 2021 for my first home and your videos helped educated and guided me on so much . I finally closed on my first home March 22.
what state do u live in? and what kind of loan did you get ? im looking to buy soon
AYo !??? 2021 was mid covid interest rates where in the 2% !!?? Are you sure you’re actively trying to buy a house ?
Don't just walk the neighborhoods you're looking at..........drive around them at night. When you live in a city, a place can look nice in the daytime, but turn sketchy at night. It's changed how we look for places to live.
Hi there! Thanks for watching my video and for sharing your tip. It's definitely helpful to explore the neighborhood you're interested in both during the day and at night to get a better sense of what the area is like. If you're ready to take the next step, you can start a pre-qualification process at www.winthehouseyoulove.com/lender. Best of luck in your homebuying journey!
Thank you for your video. I’m a single woman in my 30s ready to buy my first house and I don’t talk to my dad or have trust worthy people in my life to do this with me and I’m grateful for you 😊
Wow how you’ve grown lol . I remember I used to watch alllllll your videos 2 months prior to me purchasing my home last year in may ❤ thank you ! All the info really helped me understand what the banks don’t even tell you . Like the what they look for when they ask you to send in all those documents they ask for ect…
“Seeing homes and wondering and why you’re not able to purchase one” 😂 definitely me as I scroll through Zillow.
😂
This is all great advice 👍 👌. A house is not an asset it takes money out of your pocket . You pay a mortgage, maintenance, taxes, insurance, and utilities yearly. Buy within your means and enjoy your home stress free ✨️ 😉
This is so helpful! I've been feeling so overwhelmed knowing that there is much to do, but not sure which order to expect it in. This video really helped put me at ease. Thank you!
Man! It's obvious you put a lot of work into this. Great work! It's very helpful!
Thank you! Appreciate it. :)
I really recommend you get a preapproval and use your buyer agent to your outmost advantage, if he is any good you will get many comps before you even make an offer to a home. As soon as a home enters the market the buyer agent will send an updated list of homes you have yet to see in your approval range. I got my preapproval in July 2022 by 3 different banks but my personal bank provided best offer and had a bonus that covered $3000 in closing cost, was shown about 10 homes, made 3 different offers and closed on 1. Buyer agent was able to recommend title agency, insurance, and home inspection. Really made it simple. First time home buyer.
Who is your personal bank?
@@p8p3r3dp3tals Chase Bank, I got preapproval from BofA and Wells Fargo as well.
I watched this video two weeks ago, got my mortgage broker and realtor in the same week, house shopped and put in an offer in the same day, and now my closing date is in 40 days. I was expecting everything to take months, but I guess I found the right mortgage lender, realtor and home at the right time. Fingers crossed!
Me and My fiance looked at houses for 1 day with a realtor. We came with a list of addresses we were looking at, and made the decision on what house to buy that same day. I was seeing too many bad deals (after we saw what was on the inside) for weeks online and recognized a decent deal even if it felt too soon to find and take. I'm very satisfied with our purchase, especially in the market we were looking at. Funny enough, most of what you are saying is things we did. Only thing i would on at the begginning is make sure you are REALLY looking for a house. It feels like a lot of people treat it like window shopping for a house vs really getting into it, and then they let a good deal slip by and refuse anthing less than what they found while they were only window shopping.
That’s really good advice!
Your voice is perfect. ❤ Thanks for the info.
Thanks for the info! ZILLOW DOOMSCROLLING IS SOOOO REAL! 🤣 Nice haircut, btw!
😂 Thanks for watching!
So helpful ! I love your content ! The knowledge helped me buy my first house last month ❤
Thanks for watching! :)
Timing your home buying around the time your lease is up .
Give your self about 6 months to clean up your credit.
Talk with your lender on what paperwork u will need to provide and put it all in a folder that’s easily accessed .
Build your down payment and it has to have aged in your bank account so they know it’s your money .
Fix your debt to income ratio .
Have email access on your phone so u can give all the necessary info that u have in your folder in a timely manner and follow the same day to make sure they got it this cut down the buying process a lot .
I have a 2 year plan. Knocking debt down completely and adding income. Plus fixing up my current home. Im selling and moving out of state.
This was perfect! I get back from a 6-month overseas trip in September and hope to buy a house and move in by December. This was a very helpful guide and timeline to get this done effectively!
Doing an inspection on my new house tomorrow. Wish me luck. I signed the contract on viewing day. I think the realtor liked the promptness.
Here’s the problem. People that are in “decent shape” enough to buy a home “right now”…are technically only ready to buy when it was 4 years ago. Yes, 2019. People still make what they make, but prices and rates are WAY higher, and there’s no “affordable” home inventory.
I went from being prequalified for upwards of $380k a year ago, to $150k now because of rates.
There weren’t any homes I could afford in my area when rates were 2.7%. Prices haven’t gone done, not many starter homes hitting the market at all.
What’s the point?
Worst time in history to buy.
Yeah..i make more money now after paying off 45 k in loans ..cars payment ..loans payment ..but stuck since houses so expensive..interest rate so high ..no way i can afford a 4000 k ler month when i can renting 1900 a month ..
@@robertnguyen2025 and same here for me!! Paid off all credit cards over a couple years (about 2/3rds what you had), saved a down payment, perfect credit……
Would have to virtually double my income, and my income is considered to be good too.
It will change and already starting. There's always a way to get what you want also. Always a loophole, always another strategy.
Can you elaborate?
@@ArisenMind this is sarcasm, right??🤣🤣
My husband and I just finished the application to get the pre-approval to see what we qualify for and honestly your videos have been golden these last couple of weeks thank you so much
Put this to work and closed on a home last week! Took longer than I expected (It was new construction) but otherwise everything in this video was right on the money. Legitimately reviewing needs versus wants BEFORE going on an engaged house search was a massive help in filtering through listings.
Hey YorinLuck! Thanks for watching the video and congratulations on closing your new home!
Great Video as usual Kyle
This video is TIMELESS! Thank you.
Hey Nelly Nellz! Thank you so much for your kind words and support. I'm thrilled to hear that you found the video timeless. It's always great to know that the content I create resonates. If you're ever ready to take the next step and start on a pre-qualification, feel free to visit our website at www.winthehouseyoulove.com. Thanks again, and have a fantastic day!
I followed your steps and have been in my home since 2022! At 28 all I can say is it can be done. Thank you for all the amazing info. We would not have gotten this far without you.
In California too forgot to mention
Anxiety and frustration. Nailed it right on the head. Are you a therapist on the side? Lol
No but seriously this was very helpful, comforting, and substantive. The most frustrating part lately has been the lack of inventory= lack of affordable homes.
Took the words out my mouth.
Best first time homebuyer resource out there. Thank you.
Thank you!
Thank you for making this. Super helpful💯
Glad it was helpful! Thanks for watching. :)
Hi! I’m a realtor - most closing processes take at least 60 days. Some take a lot longer, I just worked on closing a co-op sale with a difficult board, and that closing took well over 75 days.
Hey there Small People, thank you for sharing your experience with us! You're absolutely right that the closing process can take some time, especially in certain situations. It's always important to have an experienced team working with you to ensure everything goes smoothly and as quickly as possible. If you or your clients are ready to start the pre-approval process, feel free to check out www.winthehouseyoulove.com/lender or reach out to me directly at kyle@winthehouseyoulove.com. Thanks for watching!
So...is this a residential purchase?? Difficult board??
@@kiaharper7172 cooop
60-day closing process! I just sold my place and closed in 21 days. Then I bought my new place and closed in about 28 days. The lender doesn’t even start working on your file until the last week and a half 🤦🏽♂️
Thank you for this break down!
Of course! Thanks for watching. :)
This is excellent advice!
Great video and the best point is at 17:35 talking about the most underrated part you say, which is super important to walk/drive the neighborhood to get the vibe of where you're spending your hard earned money to spend years there living.
Hi Sushi Sniper, thank you for watching the video and taking the time to leave a comment. I'm glad you found the point at 17:35 helpful. It's definitely important to get a good feel for the neighborhood before making such a big investment. If you're ready to start on a pre-approval, you can visit www.winthehouseyoulove.com/lender or email me at kyle@winthehouseyoulove.com. Thanks again!
Found a house we loved but there was too much road noise.
Love watching your video!
Thank you!
his voice is so relaxing to listen to 🫠💖
Great game plan thanks
Can you explain why the home inspection comes after the buyer makes an offer? Is there an opportunity to get that done before the offer to help inform the buyer's offer price/negotiation?
Thank you so much for the information provided
My pleasure! Thanks for watching. :)
Great info thanks ❤
Thank you !
Very detailed information and informative ❤
Hey Minh! Thank you so much for taking the time to watch the video and leave a comment. I'm glad you found the information helpful and informative. If you're ready to take the next step and start on a pre-qualification, feel free to visit www.winthehouseyoulove.com/lender or shoot me an email at kyle@winthehouseyoulove.com. Thanks again!
@@WinTheHouseYouLove thank you
Wow this is a super high value video thanks
Hey there, thank you so much for your support and kind words! I'm glad to hear that you found the video valuable. If you're ready to start on a pre-approval, feel free to head to www.winthehouseyoulove.com/lender or shoot me an email at kyle@winthehouseyoulove.com. Thanks again!
Such a great breakdown 🙌🏾🙌🏾🙌🏾🙌🏾🙌🏾🙌🏾
🙌🏾 Thank you!!
Helpful! Thrown in the mix is I have a maximum resale value on my current deed restricted home and an out of state job offer with a strict start date 😂 and it’s mid-school year for my special needs son. God can do this!!!
Thank you! Going to get my HELOC this week.
Awesome, thanks for watching!
Thanks. Very informative
Thank you! Appreciate it. :)
Great video ❤️. I bought a house almost 1 year ago, I still haven’t sold my old house 😂. I love my new house so much that I haven’t wanted to make the the effort to finish getting the old one ready (it’s an hour away). I will say, 2 mortgages sucks, and I’d really like to to roll the $250k equity into this new mortgage :)
I just recorded a personal video reply for you: vid.us/gogv3r
@@WinTheHouseYouLove will you marry me 😇. Thank you for your kind response. I want to sell..
Great Video!
Thanks for the visit
Nice video, but in this current market there really isn't much back and forth between buyers and sellers right now. Any half decent property will set a final and best deadline for offers and then pick whichever one goes the highest over asking with the fewest contingencies.
This is not true for every market in the country. Some markets such as yours may be this way. There are plenty of other markets in decline that there is negotiation going on. The housing market isn't national but very much local.
All markets are different. This is just general guidance :)
Thanks for the replies. My market is still really tough with houses selling within a day or 2 after listing well above the listing price and with numerous concessions from the buyer. (I'm in Pittsburgh).
@@dpj731 same here, and in general, “affordable” (small) homes are simply not for sale. There are no starter homes, no small homes. Nobody in those homes can afford to leave them, they cannot afford to move up, many are too afraid of this economy.
We have been trying for three years. We have been told you need more money but you make too much for help. Now you need more, and now more...now we cant find a house we like with a payment we can stomach.
My first house when I was poor I got right away...wish I hadnt sold it...
That’s what I did for awhile…doomscrolling. I wasn’t ready mentally yet either and back then I could not deal with the COVID frenzy. So then I just put it all on the back burner.
What is harder for me is “decide what you actually want.” It’s also more like what I want is more to do with what I can manage to get for my budget price.
Do you have any advice on how to “shop” all that time in another state? (When moving out of state). How does one actually keep up and be ready to roll if they’re not living there yet?
This is so very helpful
Thanks!
"Doom scrolling" lol I am guilty. I'm glad I found this.
Hey Kyle! Great video. Can I know what microphone you use? The quality is killer
Hi! Thank you for watching. It's Neumann TLM 102.
I very like your video and the information I need for first time buyer ❤❤❤❤❤
Thank you!
What if you get a pre- approval, look at homes…. up until what point can you back out? I feel pressured to buy but I don’t feel it’s the right time.
Wow the bass in the audio haha, listened in my truck from my phone, my subs 🔊 were booming!
I don't know what to say, but thanks for listening.🙌
I’m trying to in 2 1/2 months. Thank you for this and I’m typing even before watching
Wow! Thanks for watching!
Great vlog
For great audience! Thanks for watching. :)
Feel like I’m being attacked for scrolling through zillow lol 😂
Thank you I needed this.
Been on the fence, contemplating whether I should wait for rates but now I’ve decided to start the process and I needed a guide
Appreciate this!
Haha totally get it, thanks for watching!
I know homes are prettier than loans, but this is great advice. Budget and talking to a Mortgage Broker for pre-approval is key. 👍
Well said! Thanks for watching. :)
Thanks Kyle your awesome ❤
Thanks for watching.
Good stuff!
Good stuff for my good audience!
You have such a nice voice!
Thanks!
Where I live the houses are under contract prior to being posted on Zillow because the real estate agents buy them from their clients so that they can rent them out. Major conflict of interest
That sucks!
If you have any questions or need any help with your mortgage, feel free to email me at kyle@winthehouseyoulove.com
another CLASSIC
When do you officially apply/pull credit w your lender in this timeline?
It would be helpful to know the responsibilities of a lender. The last slide was helpful. But a little unclear to me on what is the lender responsibility and what is the home buyer responsibility. Who does the title search? Do we hire someone or lender does. Appraisal you mentioned lender sends. Home inspection I assume is done by the homeowner. Do we need to hire a real estate attorney? If so what is there responsibility?
A good realtor will guide you through all this and take their cut on it. Honestly I consider the side stuff as part of their job
I guess I will stop searching Alpine, NJ this year
Question can u buy tiny home pre-built
i spent 2 years and put in 12 offers. Im looking for walkable areas and refuse to own a car as its a pointless expense in the remote age. turns out everyone in the city wants walkability in American cities, but America doesnt like to build practical hosing so its scarce
i realized after a long hard look im better off moving overseas to avoid being house poor and still being able to retire . i have a very high income, but unfortunately my competition also has a high income and Im starting much later then them . Ill just have to save even more and make the leap. I will own a home it just not in the cards in America.
Could you do one for a 6-month plan?
Very nicely broken down
Thanks for watching! If you're ready to start on a pre-qualification, feel free to visit www.winthehouseyoulove.com/lender. Have a great day!
This is like ASMR ❤
Thanks! ASMR ♥ :)
Home values will continue to fall well beyond a decade. Too many people locked in record low rates, for RECORD HIGH COSTS. Prices only need to decline about -10% for catastrophic results. Risky HELOCS, Airbnb busts, and decade long value declines, combined with commercial real estate in the red, across the board. Foreclosures are only now starting to uptick. Supply is increasing, NATIONALLY. This bottom won't show until the mid 2030's at the earliest. -40% when the dust settles. God bless, America.
How does this process go when you’re wanting to buy a new build home that isn’t set to be built for a few months out?? 🤔
A big issue me and my partner ran into was the closing time on our townhome, a tenant was given a 90 day notice to move out and we waited and stressed out that entire period of time about the move-in. Of course if it's a good deal go for it, but be realistic about the period of time you're willing to stress out about moving in.
Thank you for sharing your experience. It's important to manage expectations and be prepared for unexpected delays in the mortgage process.
What is the process if we were to buy a brand new modular home, like with Pratt homes? Do I still need a realtor?
Hey Van G! Great question. When buying a modular home, the process can be a bit different than a traditional home. With a company like Pratt Homes, they might have their sales team to help you, so you don't necessarily need a realtor. However, having a realtor can still be beneficial to represent your interests and help you navigate the process.
To get started on a pre-approval, feel free to visit www.winthehouseyoulove.com/lender or shoot me an email at kyle@winthehouseyoulove.com. I'd be more than happy to help you out! 😊
QUESTION: We were told to save a bunch more for a down payment. (1st time home buyers). We want to withdraw money each payperiod and put it in a safe to prevent the possibility of spending it. However, when we go to deposit it, will lenders dispute the "large deposit". We were thinking of just keeping withdraw slips and having them scanned into a PDF to prove that it original came from a verifiable source of income (primary jobs) over time and does add up to what we would be evenually depositing. Would this be sufficent? The amount would be about 40k.
Just deposit it into a separate bank account that you don’t use
Could cause issue o how u got money . Even u get money as a gift they have put it in writing . They usually want to see money in your bank account that has been their for a couple of weeks . If u still have t bough the house yet I would write down all my question I have and call my lender to see if their is any issues with your plan . But my advice would be to buy a cheaper home if u feel u are struggling with a lot impulse buys . And one of the major rules when buying a house is not to open any new lines of credit are charge your credit cards since that will throw your financial numbers off
That video would it be helpful 4 years ago!! Congrats if you can find a good deal in 3 months!
Can you be your own real estate agent? How long does it take to get access to the mls
These guys make that sound way more magical. I’ve been through two realtors and both have just connected me with a search site that doesn’t get the information one bit faster than Zillow.
Curious to hear more details about the 1% down rocket mortgage
You’re pretty much asking a McDonald’s about their whopper special
@@AlexChavez-il1hjThis made me 😂
Is it bad this video first caught my attention because of how good looking he is? 😅
How would this process be any different if you are just looking for land instead of land and a home? sorry for the noob question am new to this whole process
Hey Trevor, no worries at all, we all start somewhere! The process can be slightly different when you're just purchasing land. Some lenders might require a larger down payment and the loan terms could vary depending on the land's location and whether it's already developed or not.
I’m building a home ..I’ve been planning for an entire year. It’s exhausting
recently im seeing so many people say they expected the process to be grueling but it was short lived and simple for them. weird. because i also expected it to be grueling but i guess not.
It's not as terrible as people think it will be!
The narrowing down neighborhoods is hard when you want to move from out of state.
Makes sense! When moving to a place you're unfamiliar with, I think renting for at least a few month is the best option. It's unlikely you'll be able to narrow down a neighborhood you'll love and want to spend 5+ years in without living in the area for a while
As a teacher who was born and raised in the bay area. I'm SOL 😢
Thank you for sharing your perspective as a teacher and Bay Area native. It's understandable to feel discouraged!
Do you think this timeline is still good if you are moving across the country?
Hey Beth! Great question. The timeline can still be pretty accurate even if you're moving across the country. However, it might have some minor adjustments due to logistical issues with relocation. Just keep in touch with your lender and real estate agent to make sure everyone's on the same page.
If you're ready to start on a pre-qualification, feel free to visit www.winthehouseyoulove.com/lender or you can email me at kyle@winthehouseyoulove.com. I'd be happy to help! 😀
$20k-$30k down is good in California
This is why I want a new construction, the doom scrolling led me there 😂
So would I but most seem to be in HOAs.
😂
My fiance currently has a mortgage on his house, and once we buy a house together, he will be renting it out (hiring a management company). How will this affect us purchasing a home?
Hey Torenperkins! Great question. When your fiance rents out his current house, the rental income can actually help offset the mortgage payment on that property. Lenders will usually consider a percentage of the rental income (typically around 75%) when calculating your debt-to-income ratio for the new home purchase. Just keep in mind that you generally need a signed lease and sometimes proof of the security deposit to use the rental income. If you're ready to start the pre-qualification process, head over to www.winthehouseyoulove.com/lender or feel free to email me at kyle@winthehouseyoulove.com. Good luck! - Kyle
I’m young how much should I save for a house I’m in NJ
Save over 30-40k
Do you think lenders will allow buyers to roll the buyer agency commission into the loan when sellers stop paying buyer agency commissions?
At the present moment that wouldn't be allowed under any loan. I doubt it will be allowed in the future.
Most likely, the purchase price would need to be increased to accommodate a seller credit for it, but that could create appraisal issues.
Kyle,
Very informative. From a maintenance perspective for a first time home buyer is a new build or older construction better?
Hey Rodney, great question! Both have their pros and cons. New builds typically have fewer maintenance issues initially since everything's brand new. Older homes, on the other hand, might require some upgrading but they often have unique character that new builds lack. It really depends on your personal preference and your readiness to handle potential repairs. If you have more questions or are ready to start a pre-qualification, just head over to www.winthehouseyoulove.com/lender
GOOD JOBBBBBBBBBBBBBBBBBBBBBBBBB
Thank youuuuuu!!!
@@WinTheHouseYouLove ill contact you soon
Wait. Where's Day 4? Still watching though. ;) Oh wait two days for Day 3. Got it.
Do you think it’s completely necessary to have a realtor? Or can you basically do everything yourself?
Hey DodgeDurangoFam! Great question! Having a realtor can definitely be helpful, particularly for navigating the market, negotiating, and handling the paperwork. However, it is possible to do everything yourself if you're willing to put in the time and effort. If you decide to go it alone, just make sure you're well informed on the process. If you're ready to start on a pre-qualification, feel free to visit www.winthehouseyoulove.com/lender or email me at kyle@winthehouseyoulove.com. Good luck! 😊🏠
@@WinTheHouseYouLove I appreciate it thank you !
do you working with people buying in FL?
We sure do, all 50 states! We'd be happy to help you get pre-qualified. Please head to our website to schedule a call www.winthehouseyoulove.com/
Hello do you know anyone that work on credit I will love to buy the early next year but my credit needs work
Hey THE DIVA! Absolutely, credit improvement is definitely a crucial step in preparing for your home buying journey. If you're ready to start the pre-qualification process, you can head over to www.winthehouseyoulove.com/lender. Feel free to email me at kyle@winthehouseyoulove.com, and I'll be more than happy to recommend some resources and tips on improving your credit. Looking forward to helping you achieve your dream of homeownership next year! 😊 - Kyle
How can I buy a house with a part time 😭, can be that possible???
That part time better pay you really good every year