How to Get A Home By The END Of 2023
Vložit
- čas přidán 2. 08. 2023
- Yes, You can get into a house by the end of the year. In this video I cover when you should apply and what you should be mindful of. Remember: I am licensed in 48 states and I am happy to be your mortgage lender 😁 707-478-0637
☑️Here's how to contact me and my team
--------------------------------
⭐Have mortgage questions? Pick a time that works best for you here
calendly.com/jennifer-beeston
⭐Ready to get preapproved?
tinyurl.com/ZeroStressMortgage
⭐ Call Me: My cell phone is 707-478-0637 I am happy to help. Let’s get you home!:)
⭐Google Reviews: tinyurl.com/jenniferbeestonre...
--------------------------------
Licensing info: Jennifer Beeston, SVP Mortgage Lending NMLS 247743 at Guaranteed Rate, Inc. NMLS 2611 Branch Address: 1750 N University Drive, Coral Springs, Florida, 33071 Equal Housing Lender
For licensing, go to www.nmlsconsumeraccess.org
Top 1% in the nation 2016-2022 www.zerostressmortgage.com
NMLS 247743 Guaranteed Rate NMLS 2611
To access Guaranteed Rate:
www.guaranteedrate.com/discla...
www.guaranteedrate.com/licens...
My State License Numbers:
AK - AK247743, AL - 72998, AR - Licensed, AZ - 1007541, CA - CA-DOC247743, CO - 100516570, CT - LO-247743, DC - MLO247743, DE - MLO-247743, FL - LO66900, GA - 70357, HI - HI-247743, IA - 33839, ID - MLO-2080247743, IL - 031.0054184, IN - 41478, KS - LO.0039219, KY - MC717200, LA - Licensed, MA - MLO247743, ME - Licensed, MI - 247743, MN - MN-MLO-247743, MO - MO-247743, MS-247743, MT - 247743, NC - I-189119, ND - NDMLO247743, NH - Licensed, NM - Licensed, NV - 66544, NY - Licensed, OH - MLO-OH.247743, OK - MLO20600, OR - 247743, PA-247743, SC - MLO - 247743, SD - MLO.08498, TN - 205478, TX - Licensed, VA - MLO-40552VA, VT - VT247743, WA - MLO-247743, WI - 247743, WV - LO-247743, WY - 8203
Applicant subject to credit and underwriting approval. Not all applicants will be approved for financing. Receipt of application does not represent an approval for financing or interest rate guarantee. Restrictions may apply, contact Guaranteed Rate for current rates and for more information. All information provided in this publication is for informational and educational purposes only, and in no way is any of the content contained herein to be construed as financial, investment, or legal advice or instruction. Guaranteed Rate, Inc. does not guarantee the quality, accuracy, completeness or timelines of the information in this publication. While efforts are made to verify the information provided, the information should not be assumed to be error free. Some information in the publication may have been provided by third parties and has not necessarily been verified by Guaranteed Rate, Inc. Guaranteed Rate, Inc. its affiliates and subsidiaries do not assume any liability for the information contained herein, be it direct, indirect, consequential, special, or exemplary, or other damages whatsoever and howsoever caused, arising out of or in connection with the use of this publication or in reliance on the information, including any personal or pecuniary loss, whether the action is in contract, tort (including negligence) or other tortious action. Guaranteed Rate, Inc. is a private corporation organized under the laws of the State of Delaware. It has no affiliation with the US Department of Housing and Urban Development, the US Department of Veterans Affairs, the US Department of Agriculture or any other government agency.
In this video, I'm sharing with you my tips on how to get a home by the end of 2023. I'm a mortgage expert and I've worked with many home buyers over the years, so I've got some great tips for you!
If you're looking to buy a home in the next few years, then you're in luck! . By the end of this video, you'll be ready to buy your first home!
#jenniferbeeston #firsttimehomebuyer #howtobuyahome
We aren't ready to buy for another 2 years. We had a call with Alyssa. She was great. Gave us some great pointers on the criteria that gave us some ideas of what we personally need to do. Definitely worth getting on the calendar and having a call with them!
❤️❤️❤️
My problem with buying a house is everything is already too expensive I'm paying 1350 a month for rent , ive been paying on my cards with tons of available credit and i have done for a decade and my credit is awful anyway. I've just decided im not gonna own property until my parents drop dead.
So helpful!!!
Thank you for this video! Always appreciate when you post!
Thank you for watching!!! :)
All this info is on point. Thanks to Jen and Julie and their team I was able to close my home to move in before Thanksgiving in 2021 during the craziness...
Appreciate you and so glad you in are home;)
What craziness? You mean compared to the %9.125 interest rate that is this month ?
@@unknown-tr3gk buyer competition.
Jen you're the best a very encouraging word you give the real deal, God bless you 🙏
Thank you so much!!😊
GREAT JOB as always Jennifer!!! Sound advice and well thought out. You and your team are awesome and make miracles happen in this crazy housing market! We can't wait to send you pictures of Thanksgiving in our new home!
Thank you so much, we appreciate it!! The team and I look forward to that!!🏡😊
Great video!
Thank you!
These videos are always so helpful! My husband and I plan to start looking once he gets his military orders (hopefully in the next month or two) and are aiming to buy in November or December so this is very timely. Thanks for all of the amazing content!
Happy to help. Look forward to chatting with you and your husband. We can get him preappprved before official orders but you do need the orders to close on the home. Just so you are prepped for that:)
@@JenniferBeeston that’s fantastic! Thanks so much, we’ll reach out soon for pre approval ☺️
Thank you! You motivated me to start the process of working with Ken to get myself ready for purchasing! I would love to know more about the USDA loans. I checked the area where I am planning to move too and it qualifies according to the website.
Good advice 🙏
Thank you!
Hi Jenn I just started watching you and the informations are very helpful. Regarding Pre approval, can I use multiple lenders or 1 is ok then shop for lenders later?
My husband and I have to work out all our questions with our very complex situation and give your team a call
We are here when you are ready! You can call me 707-478-0637 or schedule a mortgage consultation with us here: calendly.com/jennifer-beeston (:
We have great credit. Just no down-payment.
Check to see if your area is USDA friendly.
Also look into down payment assistance.
Buy in close to urban but rated rural. USDA Mortgage
Holy fvck................ I just checked your google profile feed.... You seem to me the best of the best... No one is better.... I really hope you know everything I say is in good spirit and healthy skepticism... Of my own opinion.... I want you to know I admire your style very much and am very impressed with your google reviews... You have 5 stars.... I don't think that can be faked... If you earned that in customer service.. Your unmatchable in this field... Now you know..
Thank you. I am very lucky to work with buyers who totally get how much the team and I are here for them from start to finish. We really do want to make a difference and get people into homes. Thank you for the kind words. Appreciated
Bakersfield and Fresno are cheap mortgages Best places to live in California Wells Fargo bank does low interest as well as Chase Banks low interest In both city s but if you want Elite you move to Sacramento the Capatiol of California
I only have 5,000 in savings 😢and i want to live in Los angeles… And the I want is around 600,000
CalHFA may work. Grab a spot on the calendar and request Sandy. She is the team CalHFA specialist and can discuss the requirements
calendly.com/jennifer-beeston/preapproval-q-a
Omg i have to quit being a little piggy 😭😭😭😭
It’s so fun being a little piggy but so bad for the wallet 😢
@JenniferBeeston it is so fun although im the drive thru queen however i don't frequent the restaurants as much
If we are trying to do a new build but hope toove by March 2024. And depending on what the builder says about their own time frame, should we add on an extra month or 2 to just be safe? And save that difference also of rent?
Yes 100% stack cash while waiting for a new build and often there are delays on the builders side
Do you still have the app where we can calculate possible monthly mortgage payments?
if you go to the app store look for guaranteed rate and then the rate app:)
I would like to talk to someone about a"plan" to be able to by in 1 year. What should I pay off?
Happy to discuss a plan but determining what needs to be paid off is not something we can do one year out as rates etc will be different and as I cover in the video we would need an app to be specific. Generally I would start with the smallest credit cards first and do a debt snowball. Check this out www.ramseysolutions.com/debt/how-the-debt-snowball-method-works
To book a time to plan grab a spot here calendly.com/jennifer-beeston/preapproval-q-a
Should old charged off credit card debts be PIF with proof? Are they frowned upon by lenders and count against buyers?
Charge offs are a murky topic as it depends on how they report. If you did pay them off then proof is great but I would not generally recommend paying a charge off. Def talk to a credit expert. I like Ken Strey at Scorewell 925-478-5213
Omg I’m so glad I asked. Thanks!
Happy to help!:)
Hey Jen! I understand that Reservists and National Guardsmen are able to utilize the VA loan if they’ve been activated for atleast 90 consecutive days or have been in for 6 years. As a Reservist, I’ve been interesting in moving into a house this November/ December but I don’t actually hit my 6 years of service until September 29th.
Would you suggest I wait until next year and continuing saving or should I still follow the steps mentioned in the video of getting pre approved in August/September anyway?
I would start preapproval September 30th.
Jen, we are in the process of being preapproved with you right now and a house that I am in love with was listed on Friday. The price is right, so I’m hoping it doesn’t sell before I get a chance to see it 😭 are houses selling in less than a week?
I did want to say- we have had such a pleasant experience with everyone we’ve been connected with on your team so far. ❤
Text me this am and I will look into your file 707-478-0637. Need full name app is under as it’s tough to tell with CZcams names. I am glad you are having a good time with team ❤️❤️ I can dig into this am for you. It’s 8 am here so just waking up but will see if you emailed too etc but text is key
I have good credit, no debt and the down payment but I dont qualify for a loan due to my low income. I have a section 8 housing voucher and going through their 1st time homebuyer program that will provide assistance with the mortgage payment. My best bet is to buy a co-opt mobile home. I'm lost in all this? It does seem impossible to me.
I am not sure how the section 8 first time homebuyer program works. However, there’s another one worth checking out if you’re in an eligible area. The USDA direct loan is an amazing loan like really really amazing and it is for low income. They do stuff like subsidize the purchase price offer way below market rates. It’s a very good loan. I have put a link here for you to check out
www.rd.usda.gov/programs-services/single-family-housing-programs/single-family-housing-direct-home-loans
@@JenniferBeeston
Thank you so much for your reply and the information. Every little bit helps. I hope this will be the link that will open the door for me to buy a mobile home. To my understanding, section 8 voucher is funded by HUD. I get my voucher through Orange County Housing Authority in California. It offers what is called a HCV, (home choice voucher- homeownership program) to very low income people. It will provide assistance with the mortgage payment. My payment towards the loan will be 30% and the HCV program will pay the remainder for 15 years. I will let you know of the outcome.
Yes please let me know how it goes
Hey Jenn, I spoke with Jenn a few weeks ago and I’m so exited to work with you and your team. I am looking to switch jobs. Is it ok if it’s a similar field?
HI Ashley, look forward to working with you. Give me a call as I want to make sure I fully understand the job change and how pay will be affected. 707-478-0637
Jenn I have a serious question in regards to switching jobs. I recently retired from the service, and I have a new salary job but I’ve only been working there for 5 months. Would that stop me from being qualified.
If you have a salary and recently came from the military it will be zero problem. Would be happy to help 707-478-0637
I guess the issue i have is how to time the buying and in order to give 60 days notice to landlord while closing on a loan😞 meaning I must give notice by December to leave by february when lease expires. I guess make an offer by October, close in November and then first payment in January and continue to pay rent till February?
Aim for approval in late September. In contract in November. Close December. First mortgage payment will be February so then you only have one month overlap on payments.
@@JenniferBeeston hi, yes that is great idea. However the concern i have is what if loan falls through for any reason and i gave landlord my notice? What is a good backup plan? Moving to hotel is my fear😂
Get a fully underwritten preapproval. If it falls apart Airbnb
I can't find your videos on seller paying temp 3,2,1 buy down rate.. to give rates time to come down then refinance.❤.
I see you found it:)
How about interest rate in SanFrancisco to buy a home
Best way to see average rates right now is the website www.mortgagenewsdaily.com
Has great articles as well.
Have a question? How much of a closing cost will I have to pay if my credit is a 680, I’m 100 percent disabled, and I have 5000$ saved.
The house is 280,000
Can’t get a loan out of state. Need a job first any options
If you worked remote that would work
Jenn i owe 30k in taxes... am i screwed... i only have a 300 car payment but my dti cant handle much more... do i have to pay off my taxes first ?
You will need to set up a payment plan with the IRS and we will add the payment to your debt to income… so you are not screwed just have to clean up a bit:)
Should you really be buying a house with maxed out credit cards. I think not