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The Best Way To Buy A House - Dave Ramsey Rant
 
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Find an Endorsed Local Provider in your area to help with real-estate! https://goo.gl/Erj53Z Visit the Dave Ramsey store today for resources to help you take control of your money! https://goo.gl/gEv6Tj Welcome to The Dave Ramsey Show like you've never seen it before. The show live streams on YouTube M-F 2-5pm ET! Watch Dave live in studio every day and see behind-the-scenes action from Dave's producers. Watch video profiles of debt-free callers and see them call in live from Ramsey Solutions. During breaks, you'll see exclusive content from people like Rachel Cruze, and Chris Hogan, Christy Wright and Chris Brown —as well as all kinds of other video pieces that we'll unveil every day. The Dave Ramsey Show channel will change the way you experience one of the most popular radio shows in the country!
Views: 803334 The Dave Ramsey Show
How to Buy a House - 10 Steps to Buying a House
 
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Want to learn all about how to buy a house? We are laying out a simple step by step checklist to guide you through buying a house. We have owned 5 different homes over the years (and build two new homes) and we have lots of tips for buying a house that we will be sharing in upcoming videos so stay tuned! ▸▸▸ Related Content & Resources | How to Create Your Dream Life: https://www.youtube.com/watch?v=lzyCN8YNlxI 10 Tips for Changing Your Life: https://www.youtube.com/watch?v=dfSAwTv5fgY How We Saved $100,000 in One Year: https://www.youtube.com/watch?v=-J8BVgH9mlo ▸▸▸ Resources | Free Audible Trial: https://onebighappylife.com/audible Start saving money with Ebates: https://onebighappylife.com/ebates ▸▸▸Follow Us! Website: https://onebighappylife.com Twitter: @onebighappy_ Instagram: onebighappylife ▸▸▸About Us We are Tasha & Joseph a millennial couple balancing kids, jobs, money, and life. One Big Happy Life is our website which focuses on creating a life you love by finding the right balance between your personal and financial goals. Life isn’t just about one thing but money touches on just about everything. Personal finance doesn't have to be complicated or overwhelming. Our goal is to empower you to take charge of your money and enjoy your life. ▸▸▸Our Camera Equipment ----------------------------------------­­­­­------------------------------------­-­- Our Big Camera: http://amzn.to/2xtpHhe Small Lens: http://amzn.to/2y9RG9o Big Lens: http://amzn.to/2xsHg12 Our Point and Shoot: http://amzn.to/2xsKr8E Big Tripod: http://amzn.to/2xrxaSM Selfie Stick + Cellphone Tripod Mount: Memory Cards: http://amzn.to/2xsF8Gt Disclaimer: We use affiliate links for things we use and love. This helps support our efforts to make entertaining videos for you while allowing us to share things that we ❤ and 100% recommend. Thank you for supporting our channel! This video is for informational purposes only and does not constitute legal for financial advice. Please consult an attorney or certified financial planner who will put your interests before theirs.
Views: 30459 One Big Happy Life
Resources for Home Buyers
 
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http://www.amerifirst.com/resources-for-homebuyers/ Welcome to the AmeriFirst Home Mortgage resources for home buyers page, I'm Dan Moyle with AmeriFirst Home Mortgage, as you can see above we have all kinds of helpful information from First time home buyers guide, to Buying a foreclosed home, we also have 60 second mortgage tip videos and a play list of informative videos for first time home buyers, along with some fun ones regarding renters nightmares. Here at AmeriFirst Home Mortgage we want to help educate you as you start the process of buying a home so that your experience will be an enjoyable one. Be sure to check us out on our social media pages like Facebook, Twitter, Linked In and our Pinterest board. You can also check out our YouTube channel for all kinds of helpful and informative videos. AmeriFirst Home Mortgage is a home buyer's resource center and community mortgage banker. We focus on educating homeowners and home buyers in the details of the housing market and more. AmeriFirst Home Mortgage is a division of AmeriFirst Financial NMLS ID 110139 | Equal Housing Lender
How to Buy a House (in Australia) - Part 1: Money
 
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Do you know how to buy a house in Australia? In this video we'll talk about into the ins and outs of the financial side of home buying. Resources used to make this video: ASIC Money Smart: https://www.moneysmart.gov.au/life-events-and-you/life-events/buying-a-home + https://www.moneysmart.gov.au/borrowing-and-credit/home-loans/choosing-a-home-loan ABC News: http://www.abc.net.au/news/2017-07-17/how-to-buy-your-first-home/8679874 Living in Melbourne: https://liveinmelbourne.vic.gov.au/live/housing-and-property/buying-a-house Bankwest Buyer's Report: https://www.bankwest.com.au/content/dam/bankwest/documents/about-us/media-centre/financial-indicator-series/first-time-buyers-report-2017.pdf + Advice from people who have bought houses State and Territory specific information about buying houses/getting finance: ACT:https://www.act.gov.au/browse/topics/land-building-and-housing/buying-and-selling NSW: https://www.fairtrading.nsw.gov.au/housing-and-property/buying-and-selling-property/buying-a-property/getting-finance NT: https://www.nt.gov.au/property/buying-and-selling-a-home QLD: https://www.qld.gov.au/law/housing-and-neighbours/buying-and-selling-a-property/buying-a-home/finance-when-buying-a-home SA: https://www.sa.gov.au/topics/housing/affordable-houses-to-buy/buying-property/home-buying-process TAS: https://www.cbos.tas.gov.au/topics/housing/buying-selling-property/advice-buying-selling-property VIC: https://liveinmelbourne.vic.gov.au/live/housing-and-property/buying-a-house WA: https://www.commerce.wa.gov.au/consumer-protection/buying-and-selling-home Follow Adultlike on Instagram: https://www.instagram.com/adultlike_aus/ Facebook: https://www.facebook.com/AdultlikeAus/ Music used: Shibuya by Bad Snacks Mizuki by Bad Snacks Funhouse by Bad Snacks Adultlike is an Australian channel dedicated to helping 18-20-somethings feel more confident in their adult lives by providing information about the practical things that make someone a 'real' adult. ©Adultlike 2018
Views: 944 Adultlike
First-Time Homebuyer Workshop
 
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The City of Miramar offered a First-Time Homebuyer Workshop. Purchase Assistance is offered by the City of Miramar for first time home buyers. Assistance is provided through federal and state resources when available. Amount of assistance per household depends on income program guidelines. Prospective buyers must be first time homebuyers. A first-time homebuyer is defined as one that has never owned a home, or one that has not owned a home within the last three years, a single parent with children under the age of 18 who has recently been divorced and displaced, a displaced victim of domestic abuse, or a person displaced as a result of a governmental action. Residents displaced from mobile home parks seeking to purchase a non mobile home unit will also be considered first-time homebuyers. Assistance can go towards down payment, closing costs and principal reduction. Requires no repayment as long as property remains primary residence for duration of affordability period (10 years) All Prospective Buyers: ® Must meet program income guidelines at time of closing. (See Reverse) ® Assistance varies based upon household's area median income category: Up to to $30,000 for 81-120%, up to 40,000, 50-80% and up to for $60,000 for 50% or less of the area median income ® Must be pre-approved or pre-qualified by a lender participating with the program prior to applying for purchase assistance. List provided by City. ® Must be prepared to contribute at least 1% toward the purchase of the property. ® Must Attend a HUD 8-hour homebuyer's education class and present certificate of completion prior to closing. Certificate valid for 12 months. ® Can use any licensed real estate professional to assist them with the purchase. ® Must Apply for assistance during the application period when open. All Properties: ® Can be existing or new construction with a certificate of occupancy issued. ® Program is City wide. No target area. ® Must be inspected at buyer's expense. (Applied to minimum 1% contribution) ® Must be appraised at buyer's expense. (Applied to minimum 1% contribution) ® Be owner-occupied once purchased.
3 Reasons First Time Home Buyers are Obsessed with Renovations
 
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http://www.amerifirst.com/home-improvement-resources Welcome to Mortgage Minute TV with AmeriFirst Home Mortgage. I’m your host Dan Moyle. Today we’re talking about all of you who are in the process of buying your first home … and an interesting development we’ve learned over the last few years. You see, here at AmeriFirst Home Mortgage we connect with a LOT of home buyers. We also offer a LOT of educational content. Matching that material with the right kind of buyer is important to us. *# We’ve noticed over the years that many first time home buyers take in a lot of content on remodeling and renovation loans. So we thought we’d bring in an expert to dig into this. I’m joined by Renovation Lending Director Joe Daly. Joe talks to a lot of real estate agents and loan originators constantly … and has learned quite a bit over the years about buyer behavior. #* Joe … what do you think is the obsession with renovations for first time buyers? 1. Older housing stock a. Needs repairs b. Someone else’s style 2. New vs remodeling 3. DIY television a. DIY vs a professional *# Thank you for joining us today Joe. If you’re a first time home buyer who’d like to know more about renovating a house to make it YOUR HOME … we have plenty of help for you online. Click the link here for our section on home improvement loans, where you can find us on Pinterest…ebooks to help and more information. Thank you for watching Mortgage Minute TV. For AmeriFirst Home Mortgage, I’m Dan Moyle. Welcome Home. AmeriFirst Home Mortgage 950 Trade Centre Way, Suite 400 Kalamazoo, Michigan 49002 AmeriFirst Home Mortgage is a home buyer’s resource center and community mortgage banker. We focus on educating homeowners and home buyers in the details of the housing market and more. AmeriFirst Home Mortgage is a division of AmeriFirst Financial NMLS ID 110139 | Equal Housing Lender
A guide for first-time home buyers
 
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The biggest purchase you will ever make is buying a home and before you jump into home ownership, you have to make sure you are prepared. CBS MoneyWatch reporter Jill Harding joins CBSN to discuss what to consider when purchasing a home. Subscribe to the "CBSN" Channel HERE: http://bit.ly/1Re2MgS Watch "CBSN" live HERE: http://cbsn.ws/1PlLpZ7 Follow "CBSN" on Instagram HERE: http://bit.ly/1PO0dkx Like "CBSN" on Facebook HERE: http://on.fb.me/1o3Deb4 Follow "CBSN" on Twitter HERE: http://bit.ly/1V4qhIu Get the latest news and best in original reporting from CBS News delivered to your inbox. Subscribe to newsletters HERE: http://cbsn.ws/1RqHw7T Get your news on the go! Download CBS News mobile apps HERE: http://cbsn.ws/1Xb1WC8 Get new episodes of shows you love across devices the next day, stream local news live, and watch full seasons of CBS fan favorites anytime, anywhere with CBS All Access. Try it free! http://bit.ly/1OQA29B --- CBSN is the first digital streaming news network that will allow Internet-connected consumers to watch live, anchored news coverage on their connected TV and other devices. At launch, the network is available 24/7 and makes all of the resources of CBS News available directly on digital platforms with live, anchored coverage 15 hours each weekday. CBSN. Always On.
Views: 4895 CBS News
HOW TO BUY A HOUSE IN ATLANTA (STEP-BY-STEP)
 
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I recently purchased my first house in Atlanta. I learned a lot of great information along the way and I want to share with you, I forgot some stuff like appraisals but I'll cover it in my blog post. LOAN OFFICER: Linda Stratton- [email protected] REALTOR: Steve Kori- [email protected] MY EMAIL- Kia Rashan- [email protected] OTHER RESOURCES- Realtor.com/Zillow.com (both have apps) DOWN PAYMENT ASSISTANCE PROGRAMS IN GA: GEORGIA DREAM: https://www.dca.ga.gov/GeorgiaDream/ ALL OTHER PROGRAMS: http://georgiadownpaymentassistance.com/ BLOG: www.KiaRashan.com INSTAGRAM Lifestyle: @theKiaRashan Parenting: @KiaAndKaiShow Travel: @StatesideWide
Views: 13269 Kia Rashan
Why Shouldn't I Buy A House Right Now?!?
 
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Why Shouldn't I Buy A House Right Now?!? Visit the Dave Ramsey store today for resources to help you take control of your money! https://goo.gl/gEv6Tj Welcome to The Dave Ramsey Show like you've never seen it before. The show live streams on YouTube M-F 2-5pm ET! Watch Dave live in studio every day and see behind-the-scenes action from Dave's producers. Watch video profiles of debt-free callers and see them call in live from Ramsey Solutions. During breaks, you'll see exclusive content from people like Rachel Cruze, Chris Hogan, and Christy Wright —as well as all kinds of other video pieces that we'll unveil every day. The Dave Ramsey Show channel will change the way you experience one of the most popular radio shows in the country!
Views: 163487 The Dave Ramsey Show
Funding Your Home Purchase: Home Buyer Resources for Utility Workers & Families
 
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A chat with Rick, UECU's mortgage expert.
Views: 219 UECU.org
Get A 15 Year Mortgage Or Save To Buy A House With Cash?
 
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Get A 15 Year Mortgage Or Save To Buy A House With Cash Visit the Dave Ramsey store today for resources to help you take control of your money! https://goo.gl/gEv6Tj Welcome to The Dave Ramsey Show like you've never seen it before. The show live streams on YouTube M-F 2-5pm ET! Watch Dave live in studio every day and see behind-the-scenes action from Dave's producers. Watch video profiles of debt-free callers and see them call in live from Ramsey Solutions. During breaks, you'll see exclusive content from people like Rachel Cruze, Chris Hogan, and Christy Wright —as well as all kinds of other video pieces that we'll unveil every day. The Dave Ramsey Show channel will change the way you experience one of the most popular radio shows in the country!
Views: 132080 The Dave Ramsey Show
Home Buyer Resources and Training
 
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Arm yourself with the knowledge and confidence you need before embarking on the home ownership journey! We'll help provide what you need to reach your home ownership dreams! https://HomeBuyingTrainer.com/?c=308
Views: 4 Lauren Loper
AHCOPA - Homebuyer Grant Resources Philadelphia
 
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Overview of the costs to buy a home and grant resources that assist first time homebuyers reduce the costs to the home purchase
Views: 42 Kenneth xavierk
Buying First Home: 5 Reasons You Should Buy A Condo | INSIDE REAL ESTATE SHOW 043
 
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When it comes to buying your first home, you might think your first home should be a single family home. http://persingergroup.com But here are 5 reasons your if you're a first time home buyer maybe your first home should be a condo. Buying a home? Buying your first home? Looking at a single family home with a yard for your first home? Maybe you should think or rethink about looking at a condo if you're buying first home. http://insiderealestateshow.com ================================ Subscribe to the Inside Real Estate Show Subscribe to http://youtube.com/user/persingergroup?sub_confirmation=1 ================================ LINK for this video is: https://youtu.be/PNDGFoxtZwM This episode is also on Apple iTunes: You can listen to this conversation on iTunes: https://itunes.apple.com/us/podcast/inside-real-estate-show-darin/id1087114866?mt=2 Darin's personal website: http://darinpersinger.com Real Estate Resources For You: Want to know the value of your home? Start at http://getyourinstanthomevalue.com If you're shopping for a new Lake Stevens real estate, a home in Monroe, WA an Everett home, a house in Snohomish, visit http://persingergroup.com If you're ready to sell your Lake Stevens home, or your Monroe, WA home or sell your Everett home or sell your Snohomish home visit http://persingerrealestate.com If you're a homeowner in Snohomish County, check out the Snohomish County Real Estate Market Update page at http://www.persingergroup.com/real-estate-market-report/ CONNECT: http://twitter.com/darinpersinger http://instagram.com/darinpersinger or visit http://persingergroup.com Snohomish Real Estate Snohomish Realtor Snohomish Real Estate Agent Lake Stevens Real Estate Lake Stevens Realtor Lake Stevens Realtor Everett Real Estate Everett Realtor Everett Real Estate Monroe, WA Real Estate Monroe Realtor Monroe Real Estate Agent Darin Persinger is a KW Western Realty state of Washington real estate broker.
Views: 54146 PersingerGroup
First Time Homebuyer Resources - 03/16/18
 
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Join us for another Mortgage Marketplace with Al. This week we've got some great info for first time homebuyers!
Virginia FIrst Time Home Buyer Grant - 3% of Sales Price - FREE MONEY
 
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Want more information? Contact Steve at 703-389-1985. Qualified buyers may receive up to 3 percent of the purchase price, to help with the down payment on their first home. Buyers must have household incomes at or below program limits. Down Payment Assistance Grant may be used with only the following VHDA purchase programs: Conventional, FHA and Fannie Mae No MI. Grant funds may not be used in combination with other down payment assistance resources (including FHA Plus). Down Payment Assistance Grant has no repayment (no note or deed of trust). Steve Bingham KW Metro Center cell 703-389-1985 office 703-564-4000 [email protected]
Marketing Our Products: Home Buying Resources for Your Clients, Promotional Support for You
 
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Learn how to correctly market home buying products from the NC Housing Finance Agency
Mortgage Calculators - Favorite First time buyer Resources
 
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Where are you finding your mortgage calculators? How many different types are there for you to use, can you do a work sheet that has to do with your expenses and see how that applies and translates into a mortgage. You should be using the best in first time buyer resources, whether you are wanting to work within the Santa Clarita Valley or elsewhere. If you have a realtor please stay loyal - but feel free to use our mortgage calculators for first time buyers, they are fantastic. Go to Paris911 dot com and type into the MacBoX the word calculator. That is it and let us know if we can help you with more first time buyer resources.
Views: 31 Connor T. MacIVOR
Renting VS Buying A House In Australia 2018 By Konrad Bobilak
 
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SPECIAL FREE BONUS – For Instant FREE Access to The 10 Hour Real Estate Fast Track Weekend Online Video Home Study Valued At $497.00! -http://www.realestatedvd.com.au/absolutely-free-access-2016/ LIVE EVENT FREE TICKETS – For FREE tickets to attend the next live Melbourne educational event – The Real Estate Investing Fast Track Weekend - http://www.realestatefasttrack.com.au/?utm_source=Youtube SUBSCRIBE TO MESSENGER: Gain special access to loads of FREE Property Investing resources - http://bit.ly/InvestorsPrimeSubscribe MORE FROM KONRAD BOBILAK - To keep up to date with the latest videos, blogs, eBooks, from Konrad Bobilak go to; http://www.konradbobilak.com.au Dear Fellow Property Investor, Home ownership in Australia, it seems, stretches far beyond the simple ‘brick’ and ‘mortar’ that makes up the average suburban house, it reaches right down into our identity and overall wellbeing. Whilst all these ‘emotional’ aspects of property investing are capturing the nation’s hearts and interest, Australians under 40 are being locked out of home ownership - a dynamic that is driving inequality, and a new division of classes, based around home ownership and those that rent. A survey released in August 2017 by the Reserve Bank of Australia (RBA) called; Household, Income and Labour Dynamics in Australia (HILDA), shows, renters tend to have tiny fraction of the net wealth compared to those of home owners. Analysis by Sydney University housing economist Dr Judy Yates shows that renters have far less wealth than home owners at every point of their life-cycle. As I most instances your family home is by far the biggest source of wealth accumulation for Australian households, when the rate of home ownership declines the pool of "wealth have nots" grows. Further to this point, the recent HILDA survey shows that Home ownership among women aged 35 to 39 years tumbled from 67 per cent to 48 per cent between 2002 and 2014. For men in that group, the fall was from 55 per cent to 48 per cent. And for both sexes combined it was from 61 per cent to 48 per cent, between 2002 and 2014. Analysis by the Grattan Institute think tank shows the rate of home ownership fell in 95 per cent of Melbourne suburbs between 2011 and 2016 and in 87 per cent of Sydney suburbs. The sad reality is that for under 40 year old first home buyers in the major capital cities in Australia is that home ownership is becoming a distant and in many cases unrealistic dream. With home prices soaring exponentially over the past 2 decades, with no end of price easing in sight. There is an ever increasing percentage of homes that are selling well above the million dollar price point, especially in Melbourne and Sydney; So the million dollar question remains…Is it better to own or rent property in Australia in 2018? And that’s exactly what this video answers, both from an emotional and financial perspective.
First Time Homebuyer Programs - Jason Mata - Sacramento Home Loans
 
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Are you a first time homebuyer? In this week's Mata Mortgage Minute, Jason Mata discusses who qualifies as a first time buyer and some great resources to help guide you in the buying process. Links: California Housing Finance Agency (CalHFA) www.calhfa.ca.gov For more information or to register for a Homebuyer's Workshop, visit JasonMata.com or call us at (800)455.0986. Follow us on Facebook and find us on Yelp!
Views: 84 Jason Mata
What are CRUCIAL Home Buyer Resources??
 
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A #FromHousetoHomeLTD Journey Experience I really hope this was helpful!! **If the video was useful or interesting please give it a "thumbs up" and consider subscribing. Thanks for watching! ☺☺☺ Let's stay connected ☺☺☺ ♥Subscribe to my channel https://www.youtube.com/1LatoyaToya ♥Snapchat! @LatoyaTDuncan ♥Facebook me! https://www.facebook.com/LatoyaTishanaDuncan/ ♥Tweet me! http://www.twitter.com/LatoyaTishana ♥Instagram http://www.instagram.com/LatoyaTDuncan_ ACTING/MODELING INQUIRIES [email protected] https://LatoyaTDuncan.squarespace.com http://www.instagram.com/CommercialLatoya REAL ESTATE BUSINESS INFO https://www.facebook.com/LDuncanRealEstate/ http://insigniahomesrealty.com/latoya-t-duncan Hi, I'm Latoya and I'm living my life like it's golden; hoping to inspire you to do the same! Take a chance, you just might have some fun too! ☺ Techie Tools: Camera: Cannon T3i Editing Software: Sony Vegas Pro Royalty-Free Music: www.Bensound.com ; Free YouTube Stuff P.S.: #ToyasTips #LoveLatoya ♥ FTC: None. All thoughts and reviews are honest.
Views: 26 Latoya
Homebuyer Buckets of Cash Part 1 : Downpayment Resources
 
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Buying a home is more affordable than renting! Watch this video to learn why the tax savings, downpayment grants, and equity building provide a first time homebuyer with a great opportunity.
Views: 39 Sean Morrissey
Ownership Guide - Homebuyer Resources
 
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Describes personalized homebuyer resources and media: web portal, USB drives, QR codes, e-books, and printed handbooks
Views: 27 buildserv
Real Estate Pro Shares Top 10 Tips for Home Buyers
 
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Real estate professional Allen Brake from St. Louis tells Homes.com top ten tips he shares with his home buyers. Are you buying a home? Be sure to check out the home buyer resources Allen shares or ask Homes.com for help on the new home search process via Twitter @Homesdotcom
Views: 466 Homes.com
What is a Renovation Mortgage Loan? | Selling the Dream
 
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http://www.amerifirst.com/resources-for-real-estate-agents Welcome to “Selling the Dream” – Real estate news and trends. I’m your host Dan Moyle with AmeriFirst Home Mortgage. Today is Friday, October 21st. This week in real estate and housing news … I want to share information with you to hopefully help your clients. Today we’re diving into what a “Renovation Mortgage Loan” is. If your client’s dream home includes a modern kitchen … A cozy den with a place to read … or maybe a home theatre for movies or sports… you both may be left wondering how to make it happen. After all, you can’t take out a home equity loan if the home doesn’t have equity… Here’s how it’s always seemed to work. Someone buys a fixer upper and puts “sweat equity” into it. This of course means they have to find the time to do the work (goodbye evenings and weekends), ask for help if they aren’t a builder, find the finances to pay for it (credit cards, store credit, slowly gathering cash, hope for a home equity loan) and keep the excitement of their dream alive during the whole ordeal. Another option you may not realize even exists is a renovation mortgage. This option allows a borrower to take out money based on the after-improved value of the home directly in the mortgage. Here’s why this is so great: The finances are amortized into the mortgage so it’s affordable in monthly payments, it’s part of the low interest rate of the mortgage and the home buyer gets to pay for a professional to do the work correctly and timely. With interest rates where they’ve been for the last few years, for every $1,000 you roll into the mortgage you’ll only pay about $6 more per month on your house payment. So if your client wants a $20,000 kitchen upgrade, they can plan for about $120 more per month. Not too bad! What are my renovation loan options? Depending on the programs a lender offers, you have a few choices for financing your dream home remodeling goals. Here’s a look at a few popular options: FHA 203k Standard, FHA 203k Limited, HomeStyle Renovation. The FHA 203k loans are essentially the same product, with differing requirements or allowable repairs. With this loan, you can borrow up to 96.5% of the appraised value - based on the value when the improvements or repairs are completed – to purchase (or refinance) a home and complete the renovations. A few key differences between the two are that the Limited 203k doesn’t cover structural repairs. Anything structural needs to be bumped to the Standard 203k. Also, the Standard 203k requires a HUD consultant on the loan. This person draws up the paperwork and works with the buyer and their contractors to get a write-up before the appraisal. The Limited 203k does NOT require a HUD consultant. And finally, there’s a cost difference. The allowable cost of renovations for the Limited 203k is $35,000 MAX. If your repairs and renovations go above $35,000 then you need to get into a Standard 203k loan. The HomeStyle Renovation mortgage enables a borrower to obtain a purchase transaction mortgage or a limited cash-out refinance mortgage and receive funds to cover the costs of repairs, remodeling, renovations or energy efficient improvements to the property. With a 10% down payment you can add your taste & style to a house to make it your home with remodeling projects like a new kitchen, bathroom, room addition or energy efficient upgrades. HomeStyle Renovation allows you to buy a home and fix it up, or refinance and remodel your current home. As you can see, renovation loans can be a great tool to help you achieve your goal of a dream home. With so much information today, we’ll skip the marketing tips – after all … knowing about renovation loans should spur some marketing ideas for you. That’s your “real estate news and trends” update for agents and Realtors for Friday, October 21st... Be sure to subscribe to our channel to get “Selling the Dream” delivered weekly to you. I’m Dan Moyle. Here’s to helping hopeful home buyers, together. See you on social! Reference link: http://www.amerifirst.com/renovating Music: Sports Car Driving: by Fullscore provided by freesoundtracking.com Free Sound track music AmeriFirst Home Mortgage 950 Trade Centre Way, Suite 400 Kalamazoo, Michigan 49002 AmeriFirst Home Mortgage is a home buyer’s resource center and community mortgage banker. We focus on educating homeowners and home buyers in the details of the housing market and more. AmeriFirst Home Mortgage is a division of AmeriFirst Financial Corporation NMLS ID 110139 | Equal Housing Lender
Teacher Home Buying Grant Program
 
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Teacher Home Buying Grant Program http://www.kingwoodmortgageguy.com Teacher Home Buying Programs – First Time Home Buyer Loans We offer mortgage programs for teachers looking to purchase a home, including first time home buyers. Buying your first home is a special and exciting experience, and we want to help ensure that the process is as smooth and efficient as possible for you. We will learn about what your personal financial situation is, what your home buying goals are, and then help identify the best financing options for you. Our first time home buyer programs offer teachers the option to only put 3.5% down (through an FHA home purchase loan). We also have several conventional home loan programs for teachers buying a home. FHA Home Buying Loan Programs for Teachers: FHA loans are the ideal home buying mortgage loans for first time home buyers. Teachers that qualify for a FHA loan will only be required to put 3.5% down. This down payment money can be borrowed from a relative if needed. FHA is also a great option for teachers who are buying a home that are not first time home buyers. Once in an FHA home loan you may qualify for great future refinancing home loans. Teacher Home Buying Grant Program is a grant program designed by Mike Durr "The Kingwood Mortgage Guy" located in Kingwood at 1521 Green Oak Pl. # 197 Kingwood, TX. 77339 Reach him by calling 281-348-9899 FHA has some of the easiest refinance programs available in the mortgage marketplace, especially if you are approved for a FHA streamline refinance. https://www.youtube.com/edit?o=U&video_id=_hZSQaObp3Y Teacher Home Buying Grant Program that helps offset some of the closing costs for our hard working teachers. mv https://www.youtube.com/watch?v=5QEBXr7GzF4&t=1s https://www.youtube.com/watch?v=d7krNgOt61U&t=1s https://www.youtube.com/watch?v=rkmcGnzhTY8 mvend chw.. https://www.youtube.com/watch?v=cGNEhp4GunY -~-~~-~~~-~~-~- Please watch: "4 Steps To Saving Big Money When Financing A New Built Home|Call 281-348-9899 For More Info" https://www.youtube.com/watch?v=Ar6_vw-gz38 -~-~~-~~~-~~-~-
Views: 843 Michael Durr
First Time Home Buyer Information from Maple Tree Funding
 
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The home buying process can be intimidating, especially for first time home buyers. The mortgage professionals at Maple Tree Funding can provide the answers to all of your questions to make the process of buying your first home a lot easier. Our team will guide you every step of the way, from deciding how much you can afford to spend on a home and determining how much you’ll need to spend on mortgage payments every month to securing the best mortgage for your situation and helping you understand what you’ll be signing at the closing table as you complete the home buying process. As a locally owned New York State Registered Mortgage Broker based in Albany, New York, with a branch office in Queensbury, New York, we provide a variety of competitive mortgage programs to first time home buyers, including VA loans, FHA loans, USDA loans, and conventional mortgages. We have access to dozens of banks and lending institutions and can help you find the home loan that works best for your unique circumstances. If you are hoping to purchase a home in the next year, now is the time to start the mortgage process! Find out what you qualify for ahead of time so you have a solid understanding of what you can afford to spend on a house before you start your home search. Need credit repair? Our mortgage professionals can give you tips and suggestions on how to increase your credit score so you are ready when the time comes to secure a mortgage. If you’re in the market for your first home and you’re shopping for a New York mortgage, give us a call today at (518) 782-1202 or contact us online here: https://www.mapletreefunding.com/contact-us/. Looking for helpful resources to help you purchase your first home? Check out our First Time Home Buyer Resources here: https://www.mapletreefunding.com/first-time-homebuyers/ Have questions about buying a home for the first time? Find answers to first time home buyer FAQs here: https://www.mapletreefunding.com/first-time-homebuyers/first-time-homebuyer-faqs/
Views: 41 Maple Tree Funding
Down payment home buyer resource Hopkins Mn
 
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https://gp1pro.com/USA/MN/Hennepin/Hopkins/3169_Fernbrook_Ln_N.html Text GRANT to (612) 979-1772 for details on this exciting program! RealtyConnect (612) 234-1439 | [email protected] We are excited to talk to you about a new program that we have available for buying a new home. This is a unique, non-repayable grant program designed to help customers with the down payment and/or closing costs with buying a new home. Here are some of the details : - Customers receive a grant of up to 4.5% of the loan amount to be used for down payment and/or closing costs - Grant does not need to be paid back - Flexible approval guidelines - No sales price limits - You do not need to be a first time home buyer - No time limits that you have to live in the home to keep the grant Contact us today for more information! http://rcmn.com/resources/home-buyer-grant-program #realtyconnect #eriklaine #homebuyerassistance #firsttimehomebuyer #downpaymentassistance #grantmoneyforhomes #buyahome #makememove
Views: 0 RealtyConnect
Canadian First Time Home Buyer Guide  - Part 1 - Bello Mortgage Corp
 
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Click here for Part 2: http://www.youtube.com/watch?v=jTXPzr_2BxQ As the founder of Bello Mortgage, let my 11 years of experience and hundreds of resources find the best mortgage for you. The Canadian First Time Home Buyer video gives new home buyers the basics on what they should be expecting when they look to buy and finance their new home. This 2 part video looks at: -Application Process -Difference between Pre-approval and Approval -Different types of mortgages -Downpayment -Financing availability -Closing costs Click on the website for more. Free Legals, Appraisals & Bonus Offer if you state you found Bello Mortgage through YouTube. For more information or to receive our Free Newsletters, visit: http://www.mortgagespecialist.ca or call: 604.303.9000 and talk to Pedro
Views: 4525 BelloMortgage
Canadian First Time Home Buyer Guide - Part 2 - Bello Mortgage Corp
 
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Click here for Part 1: http://www.youtube.com/watch?v=yZZJ5ZdMe44 As the founder of Bello Mortgage, let my 11 years of experience and hundreds of resources find the best mortgage for you. The Canadian First Time Home Buyer video gives new home buyers the basics on what they should be expecting when they look to buy and finance their new home. This 2 part video looks at: -Application Process -Difference between Pre-approval and Approval -Different types of mortgages -Downpayment -Financing availability -Closing costs Click on the website for more. Free Legals, Appraisals & Bonus Offer if you state you found Bello Mortgage through YouTube. For more information or to receive our Free Newsletters, visit: http://www.mortgagespecialist.ca or call: 604.303.9000 and talk to Pedro
Views: 1563 BelloMortgage
First-Time Buyer Lead Phone Call LIVE
 
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First-time buyer phone call live. This is a phone call I did with a lead that I received from a past client of mine. They are a first-time buyer and are looking to purchase their first home. The script performed in this video is a series of questions for a real estate agent to ask a first-time buyer on the phone. This is not a full buyers consultation. It's simply like a phone call with the lead for the first time. ▶︎ The First 31 Program Signup https://chastinjmiles.com/real-estate-tools/ ▶︎ Mailing List Signup: https://chastinjmiles.com SUBSCRIBE FOR MORE OF THESE VIDEOS: http://chastinjmiles.com/subscribe ------------------------------------------------------------- HELPFUL TRAINING ▶︎ JOIN MY MAILING LIST FOR SCRIPTS, TOOLS, AND TIPS http://chastinjmiles.com ▶︎ MAKE STEADY COMMISSIONS THROUGH RENTALS ~~ http://www.rentalbosscourse.com ▶︎ HOW ANY AGENT CAN BUILD A MULTI-MILLION DOLLAR REAL ESTATE BUSINESS FROM THE GROUND UP https://goo.gl/dd6jKs ▶︎ GET YOUR REAL ESTATE LICENSE - https://goo.gl/hTuUNL ▶︎ FREE DOWNLOAD: Top 10 Tips For New Real Estate Agents - https://goo.gl/kjP5m7 ------------------------------------------------------------- CHASTIN J. MILES COACHING & MENTORING http://chastinjmiles.com/coaching/ ------------------------------------------------------------- SOME OF MY POPULAR VIDEOS My First Year In Real Estate https://youtu.be/I9wR3odfCnQ Day In The Life of a Realtor https://youtu.be/lP_MGU76ThA Why Real Estate Is So Hard https://youtu.be/fRN6hx3iNtM How Much Money Real Estate Agents Make https://youtu.be/Jr598BU0-KU ------------------------------------------------------------- BOOKS I RECOMMEND The Millionaire Real Estate Agent https://goo.gl/9Hqc6L The Power of Who https://goo.gl/eem5Uq Jab, Jab, Jab, Right Hook https://goo.gl/Z7T3mk The Subtle Art of Not Giving A F*** https://goo.gl/xXEEJz ------------------------------------------------------------- CAMERAS I USE Sony https://goo.gl/ke4cP5 Nikon https://goo.gl/tbKCDN ------------------------------------------------------------- TOOLS FOR REAL ESTATE AGENTS http://chastinjmiles.com/real-estate-tools/ ------------------------------------------------------------- CONNECT WITH ME! Instagram: http://instagram.com/chastinjmiles Twitter: http://twitter.com/chastinjmiles Facebook: http://facebook..com/chastinjmilesofficial Snapchat: @chastinjmiles ------------------------------------------------------------- DALLAS HOMES FOR SALE: My Property Search Website: http://chastin.rhadfw.com My Real Estate Team website: http://foundersre.com My Personal Websites http://chastinjmiles.com ------------------------------------------------------------- Send emails to: [email protected]
Views: 1873 Chastin J. Miles
Down payment home buyer resource Corcoran Mn
 
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https://gp1pro.com/USA/MN/Hennepin/Corcoran/3169_Fernbrook_Ln_N.html Text GRANT to (612) 979-1772 for details on this exciting program! RealtyConnect (612) 234-1439 | [email protected] We are excited to talk to you about a new program that we have available for buying a new home. This is a unique, non-repayable grant program designed to help customers with the down payment and/or closing costs with buying a new home. Here are some of the details : - Customers receive a grant of up to 4.5% of the loan amount to be used for down payment and/or closing costs - Grant does not need to be paid back - Flexible approval guidelines - No sales price limits - You do not need to be a first time home buyer - No time limits that you have to live in the home to keep the grant Contact us today for more information! http://rcmn.com/resources/home-buyer-grant-program #realtyconnect #eriklaine #homebuyerassistance #firsttimehomebuyer #downpaymentassistance #grantmoneyforhomes #buyahome #makememove
Views: 0 RealtyConnect
Down payment home buyer resource St Louis Park Mn
 
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https://gp1pro.com/USA/MN/Hennepin/St_Louis_Park/5005_Minnetonka_Blvd.html Text GRANT to (612) 979-1772 for details on this exciting program! RealtyConnect (612) 234-1439 | [email protected] We are excited to talk to you about a new program that we have available for buying a new home. This is a unique, non-repayable grant program designed to help customers with the down payment and/or closing costs with buying a new home. Here are some of the details : - Customers receive a grant of up to 4.5% of the loan amount to be used for down payment and/or closing costs - Grant does not need to be paid back - Flexible approval guidelines - No sales price limits - You do not need to be a first time home buyer - No time limits that you have to live in the home to keep the grant Contact us today for more information! http://rcmn.com/resources/home-buyer-grant-program #realtyconnect #eriklaine #homebuyerassistance #firsttimehomebuyer #downpaymentassistance #grantmoneyforhomes #buyahome #makememove
Views: 0 RealtyConnect
Is Student Debt Hampering Home Buyers? | Selling the Dream
 
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http://www.amerifirst.com/resources-for-real-estate-agents Welcome to “Selling the Dream” – Real estate news and trends. I’m your host Dan Moyle with AmeriFirst Home Mortgage. Today is Friday, July First! We’re now just over halfway through 2016. How’s your year going? Let’s take a look at one recent headline and investigate what it means to the housing market. A recent headline I found says that if you want to own a home, you need to “say no to student loans.” Now … I love the writing of the opening line: “Many American have traded a white picket fence for an education.” Of course, I would have written “Many Americans have traded their white picket fence for a yellow piece of parchment” … but that’s just me. Either way, a study from the National Association of Realtors shows that more than 70-percent of non-homeowners with student loans BELIEVE their education debt has delayed home ownership. The key to me here is that the respondents believe their student loans have kept them out a home. But this is my question: if you can afford to rent, how much more expensive is it to buy? If a potential home buyer doesn’t have cash for a down payment, there are low-down-payment options like FHA loans or 100-percent financing with USDA Rural Development. And if they’re willing to keep within a similar monthly budget as their current rent, then buying that home may not really be out of reach. And buying now, as we all know, will help build equity in that home faster. The good news here is that another article just this week points to falling student loan interest rates as of today. Beginning July First, the rate on direct loans for undergraduates will be 3.76 percent. That will apply whether the loans are based on financial need — “subsidized,” in federal loan lingo — or not. That rate is down from 4.29 percent for loans that were taken out during the borrowing year that concludes next Thursday. (Rates are set annually for new loans, but the rates remain fixed for the life of the loan.) The rate on direct loans made to graduate students is also falling from 5.84 percent to 5.31 percent. This news could help many hopeful home buyers realize their dreams sooner, by helping to pay down some of that debt. What are you finding with your home buyers? Is student debt hampering their ability to buy? Tell us your experience in the comments section below. Now it’s time to build your business. Today we’re exploring a software meant to help you take your lead generation to the next level. The philosophy is called “inbound marketing.” The software: HubSpot. Imagine having software that helps you get found online in internet searches, convert viewers of your website into leads, helps turn leads into customers with email campaigns and social media strategy, and allows you to see analytics to help you track the return on investment of all of it … and it’s one portal so you’re not bouncing from account to account to account.HubSpot is a Boston-based company that has developed a system to help businesses host their website and turn it into a content-producing machine to help do all of this. A disclaimer: I’m familiar with this product because I use it and it works very well for us. I think it can work well for many businesses – especially ones willing to invest in their marketing. Reference link: http://amarillo.com/news/business/2016-06-25/want-own-home-say-no-student-loans http://www.kansascity.com/news/business/personal-finance/article85864147.html Music: Sports Car Driving: by Fullscore provided by freesoundtracking.com Free Sound track music AmeriFirst Home Mortgage 950 Trade Centre Way, Suite 400 Kalamazoo, Michigan 49002 AmeriFirst Home Mortgage is a home buyer’s resource center and community mortgage banker. We focus on educating homeowners and home buyers in the details of the housing market and more. AmeriFirst Home Mortgage is a division of AmeriFirst Financial Corporation NMLS ID 110139 | Equal Housing Lender
Should We Rent Or Buy A Home?
 
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Find an Endorsed Local Provider in your area to help with buying or selling your home! https://goo.gl/Erj53Z Visit the Dave Ramsey store today for resources to help you take control of your money! https://goo.gl/gEv6Tj Welcome to The Dave Ramsey Show like you've never seen it before. The show live streams on YouTube M-F 2-5pm ET! Watch Dave live in studio every day and see behind-the-scenes action from Dave's producers. Watch video profiles of debt-free callers and see them call in live from Ramsey Solutions. During breaks, you'll see exclusive content from people like Rachel Cruze, and Chris Hogan, Christy Wright and Chris Brown —as well as all kinds of other video pieces that we'll unveil every day. The Dave Ramsey Show channel will change the way you experience one of the most popular radio shows in the country!
Views: 16847 The Dave Ramsey Show
Down payment home buyer resource Eden Prairie Mn
 
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https://gp1pro.com/USA/MN/Hennepin/Eden_Prairie/8080_Mitchell_Road.html Text GRANT to (612) 979-1772 for details on this exciting program! RealtyConnect (612) 234-1439 | [email protected] We are excited to talk to you about a new program that we have available for buying a new home. This is a unique, non-repayable grant program designed to help customers with the down payment and/or closing costs with buying a new home. Here are some of the details : - Customers receive a grant of up to 4.5% of the loan amount to be used for down payment and/or closing costs - Grant does not need to be paid back - Flexible approval guidelines - No sales price limits - You do not need to be a first time home buyer - No time limits that you have to live in the home to keep the grant Contact us today for more information! http://rcmn.com/resources/home-buyer-grant-program #realtyconnect #eriklaine #homebuyerassistance #firsttimehomebuyer #downpaymentassistance #grantmoneyforhomes #buyahome #makememove
Views: 0 RealtyConnect
Mark Rucker Home Buyer Resources 864-616-1932
 
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Mark Rucker Rucker & Associates 864-616-1932 Keller Williams Greenville Central http://ruckersellsgreenville.com
Down payment home buyer resource Minnetonka Mn
 
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https://gp1pro.com/USA/MN/Hennepin/Minnetonka/3169_Fernbrook_Ln_N.html Text GRANT to (612) 979-1772 for details on this exciting program! RealtyConnect (612) 234-1439 | [email protected] We are excited to talk to you about a new program that we have available for buying a new home. This is a unique, non-repayable grant program designed to help customers with the down payment and/or closing costs with buying a new home. Here are some of the details : - Customers receive a grant of up to 4.5% of the loan amount to be used for down payment and/or closing costs - Grant does not need to be paid back - Flexible approval guidelines - No sales price limits - You do not need to be a first time home buyer - No time limits that you have to live in the home to keep the grant Contact us today for more information! http://rcmn.com/resources/home-buyer-grant-program #realtyconnect #eriklaine #homebuyerassistance #firsttimehomebuyer #downpaymentassistance #grantmoneyforhomes #buyahome #makememove
Views: 0 RealtyConnect
An Announcement for Home Buyers
 
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Virginia Agency law changes go in effect July 1, 2012. Here are some simple benefits you should be aware of. Visit williamewood.com for more home buying resources.
Views: 182 williamewoodtv
First Time Home Buyer Grants
 
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http://firstbuyerprograms.com/first-time-buyer-grants/ First Time Home Buyer Grants If you're looking to buy your first house, and you are interested in finding out about first time home buyer grants that are available, we have the information you seek. First time home buyer grants are a gift of money to be used for the down payment and closing costs on the purchase of your first home. There are grants and other programs available for first time home buyers who need help with the down payment and closing costs. These programs are available in the form of local, state and federal government grants and other types of assistance, such as low interest loans. Listed on our site are links to first time home buyer grant programs, down payment assistance programs, low interest low programs, and other resources such as first time buyer classes. There are grants available in each and every state. There are many resources where the prospective first time home buyer can apply to receive the financial grant necessary to qualify for financing her first home. In many states the grant amounts are in the multiple thousands of dollars. This is free money that shouldn't be passed up! Simply go to your state's page on our website to get the necessary information. Besides the state programs, there are federal grants and programs available to first time home buyers through the Homes and Communities program of the United States Department of Housing and Urban Development. On our website you'll find complete grant information, application forms, description of available funds, as well as many other helpful tools. If you like the first time home buyer information we've gathered for you, please like our site, share it with other first time buyers, and bookmark so you'll have handy access to all the first time buyer grants and available. http://firstbuyerprograms.com Please share this video: http://www.youtube.com/watch?v=1OF0MrVpOOM Connect with Jennifer on Facebook: http://www.facebook.com/jennifer.cribsly Follow First Time Home Buyer on Twitter: https://twitter.com/JenniferCribsly Connect with Jennifer on Linkedin: http://www.linkedin.com/pub/jennifer-cribsly/60/438/8b4 Connect with Jennifer on Google+ https://plus.google.com/u/0/100842538255808270202/posts Follow First Time Home Buyer on Pinterest: http://pinterest.com/firsthomebuyer/
Views: 22604 Jennifer Cribsly
Home Buying Tips For 2017 | INSIDE REAL ESTATE SHOW 048
 
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Home buying tips and advice if you're buying your first home in 2017. Darin Persinger real estate broker of http://persingergroup.com and host of http://insiderealestateshow.com shares the one thing you should know if you're buying a home in 2017. If you're asking real estate questions like: Should you buy a home in 2017 or wait? What are mortgage interest rates going to do in 2017? Will 2017 be a good time to buy a house? Should you buy a house in 2017? Should you buy or rent in 2017? Will home prices drop in 2017? Is there a real estate bubble? Show Notes For Home Buying Tips For 2017 | INSIDE REAL ESTATE SHOW 048 If you're buying a home in 2017 there is one important thing you should know that will impact your home purchase the most. Mortgage Interest Rates. Check mortgage interest rates here http://www.bankrate.com/finance/mortgages/current-interest-rates.aspx Contact us at http://persingergroup.com for a list of homes that have had the price reductions and we’ll also get you setup to get new listing alerts The Number Of The Day: $225,000 Average Net Worth Of A Homeowner *Source http://www.forbes.com/sites/lawrenceyun/2015/10/14/how-do-homeowners-accumulate-wealth/#1cbf568b93af Darin Persinger, the host of http://insiderealestateshow.com shares some thoughts on home buying tips and the one thing you should know buying first home in 2017. . Article published on PersingerGroup.com at http://www.persingergroup.com/blog/home-buying-tips-2017/ ================================ Subscribe to the Inside Real Estate Show Subscribe to http://youtube.com/user/persingergroup?sub_confirmation=1 ================================ LINK for this video is: https://youtu.be/lVfF_jRBzwQ This episode is also on Apple iTunes: You can listen to this conversation on iTunes: https://itunes.apple.com/us/podcast/inside-real-estate-show-darin/id1087114866?mt=2 Darin's personal website: http://darinpersinger.com Real Estate Resources For You: Want to know the value of your home? Start at http://getyourinstanthomevalue.com If you're shopping for a new Lake Stevens real estate, a home in Monroe, WA an Everett home, a house in Snohomish, visit http://persingergroup.com If you're ready to sell your Lake Stevens home, or your Monroe, WA home or sell your Everett home or sell your Snohomish home visit http://persingerrealestate.com If you're a homeowner in Snohomish County, check out the Snohomish County Real Estate Market Update page at http://www.persingergroup.com/real-estate-market-report/ CONNECT: http://twitter.com/darinpersinger http://instagram.com/darinpersinger or visit http://persingergroup.com Snohomish Real Estate Snohomish Realtor Snohomish Real Estate Agent Lake Stevens Real Estate Lake Stevens Realtor Lake Stevens Realtor Everett Real Estate Everett Realtor Everett Real Estate Monroe, WA Real Estate Monroe Realtor Monroe Real Estate Agent Darin Persinger is a KW Western Realty state of Washington real estate broker.
Views: 16352 PersingerGroup
How to Buy A Home with Bad Credit and No Money Down/ First Time Home Buyer
 
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https://moneysmartfamily.com/blog/buying-home-bad-credit/ Do you want to buy a home now or in the near future? That’s a great goal. But if your credit isn’t stellar, can you still reach your goal? Buying a house with bad credit can be a challenge. If you’ve always dreamed of owning a home, but you’re struggling with your credit score, don’t lose hope. We’ve got some easy steps you can take to repair credit, find a lender, and realize that goal of home ownership. This guide will help you find all the resources you need.   MORE VIDEOS ON BUYING A HOME AND DESTROYING DEBT Watch this video where we describe how we paid our home off in 9 years: https://youtu.be/olz9o84WQXk Watch this video where we talk about destroying debt: https://youtu.be/U_75hMMn82w Watch this video where we share our budgeting system: https://youtu.be/DhFOl4YQEj0
Views: 1174 MoneySmartFamily
Email Intro For Homebuyer Resources
 
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Two links accompany this video that have helped me and I wanted to share with my clients!
Views: 13 Reflections Homes
What are all the costs of buying a home? — consumerfinance.gov
 
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Learn more about buying a home and shopping for a mortgage: https://www.consumerfinance.gov/owning-a-home/ Learn more about the costs of taking out a mortgage, including closing costs: http://www.consumerfinance.gov/askcfpb/153/what-costs-will-i-have-to-pay-as-part-of-taking-out-a-mortgage-loan.html What Are the Costs of Buying a Home? There’s more to the costs of buying a home than the price on the for-sale listing. There are three basic kinds of costs involved when buying a home: The cost of the home itself, the cost of the mortgage loan, and the real estate costs such as property transfer taxes and other government fees.. It's important to consider all of these costs as you make your decision to buy a home. Buying a home is exciting. It’s also one of the most important financial decisions you’ll make. Choosing a mortgage to pay for your new home is just as important as finding the right home. Our Owning a Home tools and resources can help guide you through the process. Transcript: There are a lot of costs associated with purchasing a home. When making the decision to buy a home, it’s important to know and consider all the different costs that you will pay. There are three basic kinds of costs involved when buying a home: The cost of the home itself, the cost of the mortgage loan, and the real estate costs. The cost of the home itself is the price you agree to pay the seller. Then there’s the cost of the mortgage, which is the price you pay to borrow money to buy the home. Lastly, you have real estate costs that include the costs of transferring the property to you, as well as ongoing taxes and maintenance costs. You pay part of these costs upfront, when you close on your home, and part over time. Upfront, you’ll pay part of the cost of the home itself with your down payment. You’ll also pay “closing costs”, which include both mortgage costs and real estate costs. Upfront mortgage costs include fees you pay to your lender, like an origination fee; fees for services like appraisal fees and title insurance; and sometimes, upfront mortgage insurance fees. Upfront real estate costs include property transfer taxes and other government fees. You pay the rest of the costs over time. The amount you borrowed is known as the principal. Part of the mortgage payment you make each month will go toward paying off that principal. Another part of your monthly payment goes to pay interest on the loan. If you made a small down payment, less than 20% of the home’s price, you will also typically pay mortgage insurance. You’ll also have to pay ongoing real estate costs, like property taxes, homeowner’s insurance, and homeowner’s association dues. These costs can increase over time. For many people, taxes and insurance costs are bundled into your monthly payment, which means your monthly payment can increase even if you have a fixed rate loan. Because there are so many costs associated with buying a home, it’s important to talk to your real estate agent and lender and ask them how much you can expect to pay, and when.
Views: 20540 cfpbvideo
First Time Home Buyer Tips | 3 First Time Buyer ADVANTAGES | Buying Your First Home in Ontario!
 
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As a First Time Home Buyer in Ontario you have LOTS of advantages in the real estate market! While buying your first house can be a daunting process, there are lots of resources you can use to help the process become more affordable! In my eyes, there is no reason why millennials should not be buying homes TODAY! Long term, real estate is a safe investment and a great way to build up equity. Leave comments below and ask me how you can afford a home in the next year!! You worked hard, saved up for a down-payment and are ready to buy your first house! With rising Real Estate prices, owning a home seems impossible! Here are some advantages first-time home buyers have when purchasing a home! (00:50) Pre-Qualification (01:50) Mortgage Loan Insurance (05:01) Home Buyers Plan (06:48) Rebates Canadian Mortgage & Housing Corporation: https://www.cmhc-schl.gc.ca/en/ Genworth: https://www.genworth.ca ----------------------------------------------- FOLLOW ME: Facebook: https://www.facebook.com/thebretterway Instagram: https://www.instagram.com/brettwiederhold/ Youtube: https://goo.gl/uHM6xt Business Email: [email protected] BOOKS ON YOUR ROAD TO SUCCESS: The ONE Thing: https://goo.gl/77nXjJ Rich Dad Poor Dad: https://goo.gl/GXRZZf The Subtle Art of Not Giving A F*ck: https://goo.gl/yhnasB The 4-Hour Workweek: https://goo.gl/CXo5Ay Driven: https://goo.gl/oMeAWx
Views: 208 Brett Wiederhold
What's New with the FHA 203k Renovation Loan?
 
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http://www.amerifirst.com/home-improvement-resources Dan Moyle with AmeriFirst Home Mortgage sits down the AmeriFirst's national renovation lending director Joe Daly to talk about what is new with the HUD renovation product call the FHA 203k. One of the changes HUD made is the what was once know as the "FULL" has now been renamed the "STANDARD", and what was once known as the "STREAMLINE" is now known as the "LIMITED". Another change HUD made was in regards to swimming pools. Before HUD only allowed up to $1500 dollars for repairs when it came to pools HUD lifted that and now there is no limit when it comes to repairs for an existing pools, and can be done on both a standard or limited program. Also, when you are using a standard 203k you have a HUD consultant who will be working with you and they become the eyes and hears for the lender, and approves the final bid package. When you have a limited 203k there is no HUD consultant in most cases, so HUD wants the buyer to write their own narrative of what is going to happen on the project. The contingency reserve is now established as a percentage of the "financeable repair and improvement costs." These costs include the repair costs and certain financeable fees. This was previously calculated as a percentage of repair costs only. Here's what it looks like at AmeriFirst Home Mortgage with our contingency reserve percentage requirements: 10 % = Minimum 15% = Required when utilities are off or not operable at time of inspection 20% = Discretionary *Even though the percentages remain unchanged, these percentages are now calculated on a higher figure that includes repair and improvement costs and certain financeable fees. AmeriFirst Home Mortgage 950 Trade Centre Way, Suite 400 Kalamazoo, Michigan 49002 AmeriFirst Home Mortgage is a home buyer’s resource center and community mortgage banker. We focus on educating homeowners and home buyers in the details of the housing market and more. AmeriFirst Home Mortgage is a division of AmeriFirst Financial Corporation NMLS ID 110139 | Equal Housing Lender
Charlotte homes for sale  - First time home buyer credit | FHA Loans
 
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http://www.greathomesincharlotte.com/Buyer-Resources?=Charlottehomesforsale Charlotte homes for sale: Buy a home in Charlotte now, First time home buyers, FHA loans. Find Your Dream Home! Whether you are looking for your first home, your last, or something in between, these buyer resources will help you along your way! Call us Today at 704-779-0813 or visit us on the web to find more information about first time home buyer credit: http://www.greathomesincharlotte.com/Buyer-Resources?=Firsttimehomebuyercredit
Views: 97 GreatHomeCharlotte
1st First Time Home Buyer Tips & Advice 2014
 
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1st First Time Home Buyer Tips 2014 Resource: http://elpasorealestatenow.com 2014 Fannie Mae and Freddie Mac, the nations leading mortgage buyers, issued announcements they will allow loans for primary residences as low as 3% down. What does this mean for buyers? With 97% financing these new loans will allow home buyers that need a little bit of help to become homeowners. read more at Http://elpasorealestatenow.com Before looking at any home ASK your REALTOR® for his/her preferred local lenders. Your REALTOR®, if they have experience, will know who the top lenders are. I've seen many buyers who were declined by a new home builder's lender or a National lender only to qualify with one of my preferred mortgage companies. Secondly, LISTEN, LISTEN, LISTEN to your mortgage broker. This is hard to do in the exuberance of buying a new home. Your mortgage broker needs to present the best picture of your finances to the underwriter which means explaining every nuance of your credit history. Initially, the loan officer will per-qualify you by looking at your income and credit. This can and does happen fairly quickly (within hours). Once the lender pre-qualifies you contact me and we will find you the right home to negotiate. Once you select a home and I negotiate the terms on a contract to purchase the lender will be provided a copy of the contract so that they can continue the underwriting process. Read more at htt://elpasorealestatenow.com or Call 873-8646 Resources: First Time Home Buyer Programs: http://www.elpasorealestatenow.com http://www.russell-realtor.com/first-time-home-buyer-in-el-paso.html The loan process: http://www.elpasorealestatenow.com http://www.russell-realtor.com/pre-qualification-process.html What not to do after you apply for a mortgage: http://www.elpasorealestatenow.com
First Time Homebuyer Tips | Mountain America Credit Union
 
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Nanette Graviet, Mortgage expert with Mountain America Credit Union discusses the process of buying your first home. Questions addressed include "What if I don't have enough for a down payment?", "Am I ready to buy a home?", and "What steps should I take next?". Visit https://www.macu.com for more information and resources on buying your first home.
HUD / REO Overbid Rule Change
 
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http://www.amerifirst.com/home-improvement-resources/ A subtle change by the Department of Housing could have a major impact on today's housing market. The change affects HUD-owned homes ... those houses foreclosed on by HUD in the last few years. Basically it's this: a buyer who over-bids on a HUD home is supposed to bring in the difference between the offer and the listed value -- in cash. This means your average buyer using an FHA loan wouldn't likely be able to compete with investors, thereby missing out on some good deals. For deeper detail on what this change is ... and how it may affect home buyers ... we went to the experts. In a recent change what happened was FHA came out with a new ruling that said for a 203k loan the buyer doesn't need to pay any additional moneys when they overbid on a HUD owned property. Renovation lending program director at AmeriFirst Home Mortgage, Joe Daly says the change takes into account the after-improved value of a home, once renovations are made, rather than the "current value" of the house. With the FHA 203k loan, borrowers can now bid on a HUD home based on what the value of the home WILL be, not what it is. What's true about housing stock that's like that is the fact that it sells below, below market value, because who in the world knows that you can actually get a loan and renovate and use the moneys for the special loan and renovate the home so because of that people will buy the home, in my example let's say they buy a home for 70,000 doesn't really matter, but then they want to put 20,000 in it ideally we have a lot of times with an appraisals where the appraisal will come in 100 or 104, building instant equity for the buyer. So the fact there's a gap there between 70 and 100 if that's the after improved value it always doesn't need the full 30,000 renovations, and then to my point, maybe only 10 or 20% of the time does it need that much repairs just to make it worth that, so homes in need of repairs sell below market value because they're in a deferred maintenance situation. Century 21 Realtor C David Howard says this overbid change could help buyers, sellers and entire neighborhoods. it's always better to have an owner/occupant in a home in any neighborhood than to have an investor come in and flip it. Howard says the change makes sense when you put it into dollar amounts. Well, whatever it's on the market for if you were to overbid, let's just say it's on the market for 50,000, if you wanted to make sure you got the home cause you see a lot of activity and you wanted to bid 60,000 for it which you know was maybe worth that, then you would have to bring in the extra 10,000 now, you won't have to bring in that extra 10,000 dollars you can get it with the minimum down. it just opens doors for a lot of people in that price range. I think it's a great thing, I think it was always miscalculated of why HUD wouldn't do that, um I think it was just an over site on their part, I think HUD recognizes not that hey, if the lenders going to give them the loan, based on the future value, what does it matter what the as is value is 9:00 because on a regular purchase, on a regular FHA loan, if I was to buy your home one that is owned by a private seller, they don't care what my as is value is, I ignore it. What the lenders concerned with is if you're going to buy it for 70 and put 30 in it and that's 100 can it appraise for 100 and buy it why sure right so, all renovation loans homepath, homestyle, 203k's always based on after improved value, so this having this, kind of old antiquated rule to say you can't overbid on a as is value... why not?? Right! So now with HUD homes, average buyers looking to use FHA loans can go with the 203k renovation mortgage, bid above the listed price, and use the loan to finance the purchase and renovations. To learn more about renovation loans like the FHA 203k, click right here to go to a renovation loan resource center. For AmeriFirst Home Mortgage, I'm Dan Moyle. Thanks for watching. AmeriFirst Home Mortgage is a home buyer's resource center and community mortgage banker. We focus on educating homeowners and home buyers in the details of the housing market and more. AmeriFirst Home Mortgage is a division of AmeriFirst Financial NMLS ID 110139 | Equal Housing Lender http://www.cdavidhowardrealtor.com/index.html

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