How To Choose The Best Mortgage Lender (First Time Home Buyers)

Ready to shop for a lender? Here's the best way first time home buyers can find the right lender to buy their home! If you're buying a house for the first time, this will help you tremendously!
- GET STARTED -
🏠 Connect with a helpful LENDER in your state → www.winthehouseyoulove.com/le...
🏠 Connect with a helpful AGENT in your city → www.winthehouseyoulove.com/agent
- HELPFUL TOOLS -
✅ Max Purchase Price Calculator → www.winthehouseyoulove.com/ma...
✅ Lowest Cost Loan Calculator → www.winthehouseyoulove.com/lo...
✅ Home Buying Planner →
✅ Today’s Interest Rates → www.winthehouseyoulove.com/to...
✅ Step-By-Step Home Buying Timeline → www.winthehouseyoulove.com/ti...
✅ Student Loan Savings Calculator → www.winthehouseyoulove.com/st...
LINKS:
- CFPB window: www.consumerfinance.gov/ask-c...
- Find A Mortgage Broker: findamortgagebroker.com/homeo...
- Certified Mortgage Advisor: certifiedmortgageadvisor.com/...
#FirstTimeBuyers #ShoppingForALender
0:00 What you'll learn
0:22 Who to shop with
4:09 Questions to ask
8:17 CalmMoment
9:41 Warning Signs
14:10 Do the numbers matter?
16:50 How to shop for a mortgage and win
LEGAL:
As an Amazon Associate, I earn a commission from qualifying purchases.
*Advertisement from Credible Operations, Inc. NMLS 1681276, not available in all states. Visit www.credible.com/a/state-lice... for important information about Credible’s licenses.
Credible pays Win The House You Love an advertising fee when you submit a pre-qualification request.
Kyle Seagraves
NMLS# 1701021
Motto Mortgage Alliance
8900 N. Dixie Dr.
Dayton, OH 45414
Equal Housing Opportunity

[@cynicallysweet7441]

Am I the only one who really appreciates that he clearly has notes?

[@WinTheHouseYouLove]

Thanks for the compliment. :)

[@mts4428]

You have a teaching heart! Thank you.

[@WinTheHouseYouLove]

I appreciate that!

[@chrissyshiver]

For sure!

[@ismeisme6441]

Lucky to find you here.

[@shsu7426]

@@WinTheHouseYouLove Hi, Kyle,
Could you advise why the 3 lenders that I've submitted documents for a mortgage per-approval are taking more than 2 weeks to update me? My credit score is over 800. Is there something I can do to speed them up? I've been waiting to write an offer on two homes that I like very much for over two weeks. Thank you in advance for your elucidation!

[@aliciataylor3499]

Yes you're awesome. Heart of a teacher

[@andrewlittlefield3425]

Thanks for “section A fees” information 😁 I had no idea! Or the 45 day rule👍🏻

[@WinTheHouseYouLove]

Glad it was helpful!

[@kathyrodriguez8185]

I agree i was told by a broker that she cannot share my credit score with another lender because its illegal but failed to say that other lenders can pull credit score within the 45 day window

[@bhavyashah4083]

What was the 45 days rule? I think I missed that

[@rhodestolearningbyjoann1962]

Thank you for your words.

[@michaelpaul5801]

you're incredible, the encouraging and de-stressing way you teach. super presentation and delivery and of course subject matter. this was so helpful and informative, so appreciated, thank you. your vids are always so genuine

[@sTellasTar24]

Thank goodness I came across your videos!!!! I am sitting here taking notes on everything!!! Thank you so much! 💕🙏🏼

[@WinTheHouseYouLove]

Thank you so much for watching!! :)

[@FaithfulAcresFarm]

I love your videos you're so full of knowledge and help in this troubling time!

[@WinTheHouseYouLove]

Glad you like them!

[@Meanazzkim]

I’m happy to stumble upon this video. You rock!

[@WinTheHouseYouLove]

You rock!

[@comehereodee]

I appreciate you sharing insight to home buying! Thank you!

[@WinTheHouseYouLove]

Thanks for watching!

[@okashi10]

Your videos have been so helpful to me! I've been going thru them with each step of my homebuying process.

[@WinTheHouseYouLove]

Wow! I wish you luck!

[@ThaoPhuong-ln9vc]

I'm glad that I found your channel! You got some super content here! Thank you!

[@WinTheHouseYouLove]

Awesome, thank you!

[@alexramos1502]

The question the heart of a teacher is very true. I'm currently in the stage of shopping around for the best rate before actually going to houses and I've come across 2 out of 4 lenders who have answered all my questions, very responsive and follow up while the other two seem dismissive or not to worried about my questions. I'm praying everything goes through so I can become a single homeowner.

[@catherineg8820]

So much information that anyone, looking at buying, should have! Thank you Kyle!

[@WinTheHouseYouLove]

Glad it was helpful!

[@funnyd8798]

Thank you for this it's been so hard to find someone I can listen to explain this. Your explanation is clear and to the point. ☺️🙏

[@WinTheHouseYouLove]

Thank you so much for watching!! :)

[@funnyd8798]

@@WinTheHouseYouLove I am hooked now. Just need to catch up and watch all the older videos.

[@benvail6395]

Exactly the video I was looking for. Fantastic content. Keep it up and this channel will explode with subscribers!

[@WinTheHouseYouLove]

Thank you so much for watching!! :)

[@gorgeousnoxy481]

What you just said about using an aggressive lender to close and then refinancing with a big guy mortgage is so smart. I would have never thought about this. Thank you for even pointing out this option.

[@scott9458]

Thanks for posting!! Appreciate the practicality and unbiased nature of this. Makes the whole process seem more manageable for a first time buyer.

[@WinTheHouseYouLove]

My pleasure! Thanks for watching. :)

[@mauriceperry2665]

Kyle great information. This will help me moving forward. Continue putting out good and helpful advice. Thanks.

[@WinTheHouseYouLove]

Thanks for watching!

[@adrianng274]

thank you fo all your videos!

[@crystaleeferguson1515]

Omg Kyle ur the best, u have no idea how much this information is helpful. Thank you.

[@WinTheHouseYouLove]

Happy to help!

[@larrymatarasso]

Great job! Your videos are very professional, realistic and honest!

[@WinTheHouseYouLove]

Thanks fore watching!

[@messuwa3451]

Thank you so much for your educational videos! We’ve paid off our credits cards and now playing the patience game doing our research. Hopefully the second half of the year is better as far as new listings!

[@WinTheHouseYouLove]

Thank you so much for watching!! :)

[@okashi10]

Really appreciate the Calm Moment you did!

[@WinTheHouseYouLove]

#CalmMoment Thanks for watching!

[@EmyT]

Very insightful. Thanks for this video, I plan on assessing all of our mortgage contenders as you recommended.

[@WinTheHouseYouLove]

Thank you so much for watching!! :)

[@bobplaque937]

Thanks for the straightforward, solid info.

[@WinTheHouseYouLove]

Thank you so much for watching!! :)

[@WorryDontAbout]

Ty, I’m going through this process right now and it’s overwhelming not knowing what to ask. Helped me tremendously!

[@mamba00]

Such a welcoming voice, paired with powerful information! Thank you for sharing

[@WinTheHouseYouLove]

Thank you kindly!

[@mr.guerra5060]

Thanks for this video, full of great tips!!

[@WinTheHouseYouLove]

Glad you enjoyed it!

[@lawanda2497]

I am so thankful for this video. This was a great breakdown of the process, and I’m looking forward to purchasing my 1st home. ☺️

[@WinTheHouseYouLove]

Thank you so much for watching!! :)

[@marisolquiroz3211]

You are awesome at explaining the process.
Thank you!!

[@WinTheHouseYouLove]

Thanks for watching!

[@blakefisher5148]

Very helpful! Glad I found your channel

[@WinTheHouseYouLove]

Glad it was helpful!

[@terrikapeart9640]

I needed that calming moment just now…thank you. This process can be very overwhelming.

[@WinTheHouseYouLove]

Thanks for watching!

[@Aisha.The.Traveler]

Your voice is so soothing.

[@mimmousavi8108]

Amazingly informative & not biased.

[@WinTheHouseYouLove]

Thank you so much for watching!! :)

[@jaimebrownell3117]

Kyle, it's a real pleasure watching your videos. They are very informative and interesting. You explain things in layman terms, so thatt it's easy to understand. Because of your videos, I have a better understanding of what to ask and what to expect during the application process. Your links make it easier to do my research with. Keep up the great work!

[@WinTheHouseYouLove]

Glad you like them! I hope I can assist you in your future home. Best of luck!

[@premsuganth6157]

@@WinTheHouseYouLove k

[@namastayhere8179]

Thank you so much. I was feeling so overwhelmed by this process. 🙏

[@WinTheHouseYouLove]

Best of luck and thanks for watching. :)

[@Ms_Jarpah]

Kyle, you got me excited for 2021; definitely going to get the best team with all this knowledge I'm gaining from you! Thank you!

[@WinTheHouseYouLove]

I'm so glad to hear, thanks for watching!

[@AnAbsurdExistence]

how'd your 2021 go?

[@TMAItalia]

This was very good and informative, thank you!

[@WinTheHouseYouLove]

Thanks for watching!

[@misslee617]

Kyle thank you so much. I am learning so much from all your video and Section A, I had no idea about it. Your voice is so calming, I wish I could work with you.

[@WinTheHouseYouLove]

Thank you so much for watching!! :)

[@misslee617]

Thank you so much, comparing me with Nick.

[@atlantaluxuryhomesforsale]

Very well presented. Thanks for providing with clarity.

[@WinTheHouseYouLove]

That's the main goal, to make the information clear. Thank you!

[@xMyHeartPapercrafts]

Love your videos 👍 thanks for the information!

[@WinTheHouseYouLove]

Thanks for watching!

[@georgebaltakianrealestate4189]

Super helpful, thank you!

[@WinTheHouseYouLove]

Thanks for watching!!

[@rilema05]

OMG! Thank you so much for this. I was so lost about this and trying to do research. I’m not a great numbers person so this really helped me feel more confident about what I’m doing. Thank you!

[@WinTheHouseYouLove]

Hey Melanie! Thank you so much for your kind words and support! I'm really glad that my video was able to help you feel more confident about navigating the mortgage process. If you're ready to take the next step and start on a pre-qualification, you can visit www.winthehouseyoulove.com. Feel free to reach out if you have any more questions, I'm here to help!

[@Calferr]

Thank you so much 🙏🏽

[@SundayVibesmusic]

Literally just came to get some quick info..I actually subscribed, great video and great heart to sharing valuable information

[@WinTheHouseYouLove]

Welcome aboard!

[@getmoremortgageclients3666]

Thanks for the resources. I hadn't heard of Certified Mortgage Advisor before. Looks like a great way to find lenders.

[@WinTheHouseYouLove]

They are!

[@angelaread3715]

Thank you for sharing this information.

[@WinTheHouseYouLove]

Appreciate it! Thank you!

[@sucelyduransamaniego]

So glad I came across this video. My husband was starting to think he was crazy or unreasonable because he felt our agent’s in-house lender wasn’t doing a proper job at informing us about the full picture and we had to bug them to give us a LE beforehand because they insisted they don’t until you’re in escrow and they also said they couldn’t do an itemized fee worksheet (or any kind of worksheet at all). We talked to another lender who happily provided us with an itemized fee worksheet and told us that the in-house lender should’ve been able to provide us with something. Kind of gave us a sour feeling that they were only able to accommodate our LE request because we pushed for it..

[@unicemarquez9850]

Thank you so much for the information.

[@WinTheHouseYouLove]

Thank you so much for watching!! :)

[@mikeybonz34]

Don’t comment on videos usually but I’m a realtor and like to look at videos before I interview lenders that I haven’t met before and this guy hits all the marks. Would definitely recommend for buyers and real estate agents!

[@josephdennyy3104]

Your videos are very useful and provide lots of information. I have received lots of help from your posts, please continue to share this kind of information. Thank you.

[@WinTheHouseYouLove]

Awesome! Thanks for the support. :)

[@natashac5861]

Since first day I found this channel my only wish was to live in Ohio , columbus area and work there and connect with you to help me with pre approval for my first property . This how I felt after watching your first video and I still have that wish .
So educational and easy to understand .
Lots of great information and bunch of it I already knew but still learning a lot of new stuff.
Was pre approved in Minnesota 6 times , different years and still on the market and started to think maybe Minnesota is just not my place to buy .
Doing my researching for years now with watching videos on CZcams and reading lots of information . Like your previous video with an interview ...
Lots of lots of research and now I am also looking for an outside of Minnesota .. prices are very low to rent and to buy at some States where I would not mind to move from twin cities .

[@WinTheHouseYouLove]

Thank you so much for sharing! I'm so glad the videos have been helpful for you!!

[@carmennrn6522]

Thank you for all this information.

[@WinTheHouseYouLove]

You're welcome!

[@terryevp4084]

What an awesome video. !!! Many Thanks

[@WinTheHouseYouLove]

Glad it was helpful! I'm now on live stream, see you!

[@Marketplacere]

Wow, well explained. You can be a teacher/professor. Thank you very much.

[@WinTheHouseYouLove]

♥ Thank you!

[@audleymattos6262]

This video I EXTREMELY informative! Thanks for doing this .

[@WinTheHouseYouLove]

You're so welcome! I'm glad you found my channel. :)

[@TheB00Man]

Great video, thanks for posting.

[@WinTheHouseYouLove]

My pleasure. Thanks for watching. :)

[@staygroovybritt]

Very helpful. Thank you, sir!

[@WinTheHouseYouLove]

Glad it was helpful!

[@joelmoragas1244]

Awesome video! Thanks a lot

[@WinTheHouseYouLove]

Glad it helped!

[@ayannatexasrealtor3210]

Great info! Ty ty

[@WinTheHouseYouLove]

You're welcome!

[@yuliskarodriguez7892]

Thank you so much!!! You’re the best!!

[@WinTheHouseYouLove]

Thank you so much!

[@cindyagarcia87]

Gosh I'm so happy I ran into your channel. I was completely ignorant about everything regarding buying a home. I have watched all your videos!!!! Some twice to make sure my notes are right. Thank you for the free information!!!! You have the heart of a teacher ❤ I feel less overwhelmed!

[@WinTheHouseYouLove]

You are so welcome!

[@olympialopatin1115]

Very educational. I feel I am less anxious and knowledge now thank you!!!

[@WinTheHouseYouLove]

Glad it was helpful! You're welcome. :)

[@doughboy914]

Thank you! I'm Glad I clicked your video

[@WinTheHouseYouLove]

Thanks for watching!

[@azab1094]

Learn a lot. Thanks

[@WinTheHouseYouLove]

Glad to hear that. You can also check out my new uploads. Thank you!

[@speakempathynaomirieger8083]

Oh my gosh! I wish I would have found you 60 days ago (or more). So many lessons. Thanks for your videos!

[@WinTheHouseYouLove]

You're welcome!

[@marivelguerrero6588]

I love your videos! Very informative 👏

[@WinTheHouseYouLove]

Thanks so much!

[@nr9293]

Great video!

[@WinTheHouseYouLove]

Thanks!

[@IsaiahWG24]

So awesome man. Thank you so much 🔥

[@WinTheHouseYouLove]

Thank you so much for watching!! :)

[@demiisanchez]

Thank you for the break down on this. This all is so new to me. My fiancé and I are first time home buyers and we are learning so much every day with this whole process!! Like today, we just learned we can shop around for multiple lenders. I thought the one lender we have, we are stuck with. So now I’m on a hunt for 3-4 different lenders and I will be comparing them all and see which better fits us. Thankful for your help! New sub 😁

[@notsceansscreamer]

Just learned that today! Good luck with your first home!

[@livinb450]

teaching heart. love it.

[@WinTheHouseYouLove]

Thank you!

[@rooch11]

Thank you, cool guy!

[@TheAlchemist8]

“Heart of a teacher.” ❤️❤️❤️

[@WinTheHouseYouLove]

Appreciate it. Thanks for watching!

[@ninaDerossieux]

Kyle your information are always so helpful!!! Credit unions are most likely to have better rates and more flexible with your credit scores than most major banks...

[@WinTheHouseYouLove]

Thanks! Yeah, it seems like credit unions are better than banks and brokers are usually side-by-side with credit unions

[@subprime2006]

Mortgage brokers often can find the lowest rates but the question is how can you find the right broker who won't make a killing on your loan. Mortgage Bank can push tough loans through but pricing won't be the best "overhead". Rates are often similar across the board but different is "the good guy" who handles your paperworks.

[@yaqubtareen7389]

Outstanding video

[@WinTheHouseYouLove]

Thanks for watching!

[@natepahl5878]

Hey Kyle, your videos are great! They are so, so helpful.
Question:
I am searching for a house in southern Colorado, but haven't picked out a town; the town will depend on the house I find. Should I wait to find the house before contacting the local credit union? Or should I reach out to one in the general area before finding the house -- even if I end up buying a few hours away from it?
Thanks in advance!

[@BaitedCastaways]

As a lender myself, I agree with everything this video has went over.

[@WinTheHouseYouLove]

Thank you!

[@yadiradominguez3141]

I have been told it will hurt my Credit score if I get more mortgage pre approvals, by a few lender agents that I haven’t even let them run my credit. Please anyone can assure me it is okay or not okay to do it. Thanks.

[@HEARTAEMOXA]

It's almost relaxing watching your videos, thank you for not yelling at the camera.

[@WinTheHouseYouLove]

You’re welcome! Thanks for watching! 😊

[@JFoxy3]

Just found your channel and found t very informative

[@WinTheHouseYouLove]

Awesome, thank you!

[@jmoran1994]

Great video

[@WinTheHouseYouLove]

Thank you so much for watching!! :)

[@jaycamthemiddle]

Hi Kyle! Your info is the best on the web! Question.. any knowledge of movement mortgage? They’re a preferred lender for my builder.

[@WinTheHouseYouLove]

Thanks!
I know of Movement, but I'm not too familiar with them.

[@Eric_Braun]

Awesome video! As a loan originator myself, I understand that this can be a scary process for any first-time homebuyer. I appreciate you posting this!

[@WinTheHouseYouLove]

Yes! Thanks for commenting and watching. :)

[@Eric_Braun]

@@WinTheHouseYouLove Of course!

[@kbanghart]

@@WinTheHouseYouLove I'll ask here, hopefully if you have time and see this you can answer, is it common and not difficult for lenders to fund very low amounts, under $50,000, for 15 or 30 years? What about even lower like 20 or $30,000?

[@bradsneckner6129]

@@kbanghart Hey there! I'll jump in and answer this since I'm a lender. It's actually NOT very common and is a bit difficult. The reason being, most lenders and third parties have fixed fees rather than percentages these days. And while a fixed fee is a low percentage of a $500k loan, it's a very HIGH percentage of a $30k loan. And when that percentage is too high, it's called a "High Cost Loan" and won't meet regulatory requirements.

[@kbanghart]

@@bradsneckner6129 okay thank you so much for the reply, I had a feeling that was the case. So what is the cutoff generally, do you think, like 100k or higher?

[@jbpr77]

Thank you for this video. In order to compare all the 3 lending options, do I have to go through the whole pre approval process with each one? Or is there another way to compare specifically page 3?the total cost in 5 years?

[@javierportillo8945]

First time homebuyer here, I’m glad I watched this video

[@WinTheHouseYouLove]

Wow! Best of luck and thanks for watching my video. :)

[@momosalami5337]

Hey thanks for this amazing video. I was wondering if overtime count towards my income. Also, I just started a new job as a nurse 3 months, can I qualify for a mortgage if I coapply with my husband that has a longer work history?

[@69holford]

I'm a new subscriber and I love your demeanor and willingness to help. Do you have a video that will help us find lender's who accept a 500 credit score for fha loans? Thank you so much!

[@abotello8320]

Great info as always Kyle!
...i really like the calm moments too.👍

[@WinTheHouseYouLove]

Glad you like them!

[@laribama2885]

Yes! Nice touch, there. :)

[@bladnik1]

Hello, excellent Content. Could you make a video providing information on home loans considering renovations as a way to get a house that has the potential to be worth much more? For example, getting a good offer on a fixer upper and using the home loan to renovate the home.

[@WinTheHouseYouLove]

Added that to my video list, thanks for the suggestion!

[@nizamnuddin8129]

Have a good concept of how to buy a home by loan . THANKS for your video.

[@WinTheHouseYouLove]

You are welcome and thanks for watching!

[@Blueflame252]

Hello. Thank you for your informative videos! I do have a question why does the lender shopping window vary? I have seen 7 days, 2 weeks and 45 days as you mentioned here. I am close to the 2 week time frame and will look for other options.

[@WinTheHouseYouLove]

You have 45 days where you can get multiple credit pulls without it affecting your score.
However, it's best to shop within a short window so that the market doesn't falsely impact your shopping decision since rates change multiple times per day.

[@klo4081]

New Subbie … I’m here to learn because I was told there’s nothing I can do about my student loans

[@ebonyedillard5047]

I liked this video because of the Calm Moment. It's like you heard my heart. The other information is great too. Thank you!

[@WinTheHouseYouLove]

Thank you so much for watching!! :)

[@alejandromorales5822]

Great video!! Thank you.
Q: what information it should be on a pre-approval letter?

[@WinTheHouseYouLove]

Thanks!
Rate, all closings costs including estimated 3rd party fees, points, monthly payment, total cash to close, details of loan program

[@fredswartley9778]

Great video. So how can you find a lender who close on time? What time frame do you need to close a house? 30 days?

[@VHERRERA77]

Hey Kyle!
Do you mind sharing the equipment you are using to make these videos? I’m impressed with the quality. Thanks!

[@WinTheHouseYouLove]

Thanks! Here's a video on it: czcams.com/video/oKzw5LLUj30/video.html

[@elizabethayoroa6021]

Thank you doesn't even seem like a good enough word lol but Thank You!! Question: what is a good approach to switching loan officers but staying with the same lender?

[@adrienne171]

Kyle this was a great video! When should I start shopping for a lender? I plan on buying in August/September.

[@WinTheHouseYouLove]

Thanks! I recommend a couple weeks before you start shopping for homes.

[@malapasqua71]

Excellent, well done! Mortgage brokers shoud be doing 70% of residential transactions if consumers take your info to heart!

[@WinTheHouseYouLove]

Thank you so much for watching!! :)

[@david_linares]

Wow. Just the ending was huge gold nugget.

[@WinTheHouseYouLove]

Thank you so much for watching!! :)

[@tarajooon8488]

Handsome and smart, thanks for the info😊

[@WinTheHouseYouLove]

Thanks for watching!

[@johngeorgewashington1416]

Hi I watched your show on April 24 and it was a show done in Jan..very good ..I'm trying to get my score at least in the 720 range..I'm a veteran with no Funding fee and no PMI and no down pymts..also in a state w no property taxes for disabled veterans..my annual non-taxable income is 65,000..my debt monthly is 320 ..I pay 80 on each of my credit card balances monthly but min pymts is only 150.

[@WinTheHouseYouLove]

Thank you so much for watching!! :)