Couples - Are You Ready to Buy? | Married Buying Your First House | First Time Buyer Tips

Подписаться 199 тыс.

Просмотров 9 тыс.

50% 1

Buying Your First House as a Couple Questions Answered LIVE✳️Do Not Buy a House without my First Time Buyer's Guide - bit.ly/3uI0JvL ✳️
▶️Married Buying a House: • Married Couples Save F...
▶️How to increase your spouse's credit score: • How To Get Better Cred...
📌Need an Agent Referral :
➡️Georgia ONLY: calendly.com/shaheedahhillrea...
➡️FLORIDA & TEXAS ONLY: forms.gle/dsGeJo1JFYpfSNJLA
➡️All other states: homeandmoney.com/shaheedah/
💰💰Get Your Real Estate License Online and save with my Affiliate Link -
colibri-real-estate.pxf.io/n1OEGa (If you cannot click, please just copy and paste)
Ready to Buy Your First House? Watch these videos & Visit my playlists!
⭐8 Steps to Buy a House - • How to Buy A House | B...
⭐ Where Should You Start? - • First Time Homebuyer C...
⭐ Most Important People in the Home Buying Process - • Home Buying Process - ...
⭐ What is Included in your Mortgage Payment: • What is included with ...
⭐New Construction - • First Time Buyer New C...
⭐FHA or Conventional - • Which is better FHA or...
⭐Buying a House with Student Loans - • Buying a House with St...
⭐7 Day Perfect Credit Plan - • My ONE WEEK PLAN - How...
⭐Can you afford a house: DTI Ratio - • How Much Home Can I Af...
⭐What happens at closing - • What Happens During a ...
⭐NACA Home Buying Program - • NACA | NACA Program | ...
⭐Should I Rent or Buy? - • Should I BUY a HOUSE O...
⭐ Get Your Real Estate License Online- • How to Get Your Real E...
⭐⭐PLAYLISTS - / shaheedahhillrealestate
⭐Join My First Time Buyers Facebook Group⭐
/ members
🔴Real Estate Agents - Ready to get LEADS from RU-vid? Get MY Top 3 Tips for RU-vid Agent Success: mailchi.mp/b431bee215bf/my-to...
0:00 - Today's Topic
1:24 - Buying a House as a Couple
2:53 - Couples having Different Credit Scores
4:10 - One Person on Mortgage / One Person on Deed
5:47 - Next Step after Underwriting
6:54 - When Calculating DTI as a Couple, Do we Combine all the Bills & Gross Income?
8:53 - Having Car Debt vs Not having Car Debt on your Credit
11:24 - What to do if Fiancé has purchased a Home in the Distant Past?
13:18 - Ideal DTI to Qualify for a Mortgage as a Couple
14:30 - Credit Score used for Closing on a Home with Fiancé
16:24 - Conventional Loan vs FHA Loan
17:17 - Recommended Loan while having an Excellent Credit Score
19:37 - Why is the Lowest Credit Score Counted?
20:39 - Should we Wait to Purchase a Home due to the High Interest Rates?
23:02 - One Person being on the Mortgage and Other being on the Deed
24:21 - Should we wait for the Pre-Approval Letter before House Hunting?
25:25 - Applying for a First Time Home Buyers Program as a Couple
28:14 - FICO Score being Higher than other Credit Score
30:32 - Should we be Moving our Money Around in the Current Housing Market?
31:58 - Difference between Pre-Qualified and Pre-Approved
34:06 - How much is a Mortgage on a 525000 House?
34:41 - Benefits of only Putting One Spouse on the Mortgage if both could Pre-Qualify
37:32 - Forever Home vs Temporary Home
41:16 - Does the Lender Approved Amount Change on Building vs Buying a Home?
45:12 - What to do in the Forbearance Program for Property if you can't Pay in Bulk?
47:08 - Should we wait for Student Loan to be Erased to Start Pre-Approval Process for DTI?
49:33 - Getting a House with Low Credit Score
51:15 - Does the Higher and Lower Credit Score of a Couple Impact the Loan Approval?
52:14 - Is it a Good Time to Buy?
55:03 - Holding Closing Cost Fees to Roll it over onto the Mortgage Payment
57:22 - Building Credit under Ch. 13 Filing if Applying for a Secured Card
59:37 - Qualifying Process for a Couple to Buy an Investment Property as First Property vs a Home to Live in
1:03:05 - Outro

Развлечения

Опубликовано:

30 июн 2024

Ссылка:

Скачать:

Готовим ссылку...

Добавить в:

Мой плейлист

Посмотреть позже

Комментарии : 44

@thebritneylashaun Год назад

Looking all of 25 and says, “I’ll be married 18 years in June.” 👀 Say what now?!! Ma’am, you look amazing! Thanks for the value you bring to RU-vid!

@ShaheedahHill Год назад

Thank you so much Britney...I'm grown-grown😂

@shumatsuopost Год назад

It's always interesting to hear about the unique challenges and considerations that come with buying a house as a couple. Communication and compromise are definitely key, and it's important to make sure you're both on the same page before taking the leap into homeownership. Thanks for sharing these tips!

@ShaheedahHill Год назад

Thanks for watching!

@francesfrancis5642 Год назад

Please do a video about buying homes with friends and family.

@ShaheedahHill Год назад

ru-vid.com/video/%D0%B2%D0%B8%D0%B4%D0%B5%D0%BE-ep_leUd1-Ks.html Here you go, I told you all I have almost every video you need 😊

@kawanna1506 Год назад

Great gem 💎

@ShaheedahHill Год назад

Thanks for watching!

@AWMN2017 Год назад

Question: When a couple purchases a home! Could you do a video on mortgage life insurance?

@ShaheedahHill Год назад

I probably won't do an entire video. But is usually makes more sense to get term life insurance and if your beneficiaries want to pay off the mortgage and keep the house they can. Thanks for watching

@Therealtorreyna Год назад

Do you do CA loans? Do you have a agent referral list that I can get added to for CA? I’m a So Cal Realtor 😊

@ShaheedahHill Год назад

Not at this time, but join my agent FB group. facebook.com/groups/youtubeforhyperlocalrealestateagents

@cindyzuniga9737 Год назад

What is the interspousal transfer deed? We are married and together for 20 years i am not sure what this is or why my husband has to sign it.

@ShaheedahHill Год назад

This is usually used in a divorce to give full ownership to of a shared property to one spouse. Check with a lawyer before signing anything to be sure you fully understand what you are signing.

@jay198827 Год назад

If you’re married and one person is on the mortgage and both names decide to go on the deed can the name be removed from the deed in the future?

@logisticalstyles Год назад

Good question. I’m curious as well.

@ShaheedahHill Год назад

*Not Legal Advice* You typically cannot remove anyone without their consent. If they are on the deed, they own the house with you. So typically they will have to agree to remove themselves or you will have to go to court to have a judge decide.

@jay198827 Год назад

@@ShaheedahHill Ok, Thank you!

@lyndajordan1466 Год назад

Just married July 2022…looking to purchase in the next year or two. Thanks for the advise on getting in the WE mindset. We have been together for 6 years and one of the things we talked about was getting our debt together before we got married. I had way more debt than him. Well I took it serious and paid off most of my debt not including student loans and now he has way more debt than me. I was thinking I would just save for down payment and he can continue paying on his debt, do you think that’s smart or should I use the money I was gonna save to help get rid of his(our 😊) credit card debt? Thanks for all you do

@ShaheedahHill Год назад

Come up with one plan...watch this video i detail what we did here: ru-vid.com/video/%D0%B2%D0%B8%D0%B4%D0%B5%D0%BE-D5ffUiU8omw.html We had to pay of my husbands IRS debt that he brought into the marriage and then we moved to other financial goals. Looks at all of your(his and yours) debt then make some goals.

@lasheaydennis3415 Год назад

Say you are currently separated from your spouse, can you purchase a home without any information needed from your significant other? Do they have to be listed on the deed?

@ShaheedahHill Год назад

If you can qualify on your own you do not need any information from your spouse. You do not need to add them to the deed. However, ultimately ownership will depend on your state and laws about property purchased during a marriage, so before purchasing you should consult with an attorney. Thanks for watching

@marlenerobertson9754 Год назад

Hi love looking at you me and my husband are closing soon but the underwritter is asking for alot it seems like they are asking for the same documentation is this normal

@ShaheedahHill Год назад

Yes, its normal. Watch my underwriting video it clears a lot up.

@berenice_naranjo Год назад

Hey Shaheeda! Can you do a video for small business owners who want to do bank statement loans

@berenice_naranjo Год назад

With a spouse*

@ShaheedahHill Год назад

I don't have one, but Kevin an agent that I had as a guest on my channel has one - ru-vid.com/video/%D0%B2%D0%B8%D0%B4%D0%B5%D0%BE-_t0RoEzhLqQ.html

@ishakamara1837 2 месяца назад

Is it ok for my husband to buy a house as single when we are still married?

@ShaheedahHill 2 месяца назад

Yes, he can. But you may want to be added to the title to have ownership of the home. You can be on title and not on the mortgage. However, even if you are not on the mortgage or title in most states a spouse will have some rights to property aquired during a marriage. @ishakamara1837 Thank you for watching

@KetoInTheMidst Год назад

In CA, working with a lender who says for FHA he needs to run my husband’s credit and consider his debt for my FHA loan. Another lender isn’t asking for that for the same loan. Thoughts? We aren’t separated but are choosing to buy a house for now to live in and then turn it into a rental later.

@ShaheedahHill Год назад

Are you buying the house together? If so, any lender will need to run each persons credit. If you are not you should be able to purchase on your own, only using your information on the application. If the other lender is not asking now, they may ask later. If you own property together already that might be a red flag since FHA is only for owner occupants.

@KetoInTheMidst Год назад

@@ShaheedahHill thanks for replying. I’m purchasing alone, no other properties in either of our names at the moment.

@isaiahherrera3170 Год назад

Why do some banks not offer first time home buyer programs to first time home buyers?

@ShaheedahHill Год назад

Banks are businesses so they do what is in their best interest to make money. Thanks for watching.

@isaiahherrera3170 Год назад

@@ShaheedahHill thanks for input. I would think that they'd be fine giving $5k for closing or down-payment to double their money over span of mortgage 🤷‍♂️ I just see you talk about it alot and felt excluded from my lender lol

@michellebrown9290 Год назад

How can I get a credit report with 3 credit bureaus?

@ShaheedahHill Год назад

This site will give you all 3, if you are looking to improve your credit visit my credit playlist. www.annualcreditreport.com/index.action

@AlexOnBass Год назад

I hate I missed this! I’ve heard that conventional uses the AVERAGE of your middle score vs FHA which uses the LOWEST of the middle score when there aretwo applicants ,is this true?

@AlexOnBass Год назад

You addressed it as soon as I hit send 😅 thank you

@ShaheedahHill Год назад

Yes, that's true. Fannie Mae Conventional specifically...I don't think Freddie Mac is doing it yet. But ask the lender before application to be sure.