Home Mortgages 101 (For First Time Home Buyers)

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This video is the ULTIMATE GUIDE to home mortgages.
A mortgage is one of the biggest and longest-term loans that a household will ever take on, so it makes sense to understand it inside and out.
In this video we will talk about:
1. The 4 factors that make up a home mortgage
2. The 7 different types of mortgages
3. A live demo through my home affordability spreadsheet
4. A live example of an amortization table (15 years vs 30 years)
It's important to understand everything that goes into a home mortgage. It is also important to understand how adjusting the loan amount, term, and interest can affect the amount of money you pay overall.
In my humble opinion, this video is a great resource for learning about mortgages as a beginner or first time home buyer!
Enjoy, and please share this video on social media with a friend!
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ABOUT ME 👇
My mission is to provide my viewers with actionable content that enables them to create financial wealth. My videos are a reflection of my real-world experience as a real estate investor, stock market investor, student of finance, and entrepreneur.
This channel allows me to share my passion for personal finance, stock market investing, real estate investing, and entrepreneurship. I produce content that I would want to watch, and because of that, I give 100% effort in every video that I make. I also believe in complete transparency and open communication with my audience.
Subscribe if you are interested in:
#Mortgage
#PersonalFinance
DISCLAIMER: I am not a financial adviser. These videos are for educational purposes only. Investing of any kind involves risk. While it is possible to minimize risk, your investments are solely your responsibility. It is imperative that you conduct your own research. I am merely sharing my opinion with no guarantee of gains or losses on investments.
AFFILIATE DISCLOSURE: Some of the links on this channel are affiliate links, meaning, at NO additional cost to you, I may earn a commission if you click through and make a purchase and/or subscribe. However, this does not impact my opinion.

Опубликовано:

24 июл 2024

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Комментарии : 777

@WhiteBoardFinance 4 года назад

*Don't make a potentially HUGE financial mistake by buying too much house...GET MY HOME AFFORDABILITY SPREADSHEET HERE:* www.patreon.com/whiteboardfinance

@justinfreeman4614 4 года назад

A person will only go broke on a 30 year mortgage if they buy too much, buy a bad deal or DON'T invest the different in their monthly payment between the 30 year and shorter term mortgage options. And those first two can happen no matter what financing someone chooses.

@kyliemeade-richards8150 3 года назад

Thank you for posting these great videos from across the pond

@xSayPleasex 3 года назад

Obviously all the details matter, but I'm curious if there exists any 'super basic' rule of thumb regarding the ratio of Principle to Net Income. Such as "Principle never more than 4 times Net income" etc ?

@jonathanacosta1648 3 года назад

Mario, great spreadsheet! I really appreciate your classes, as many of the other finance topics shown on RU-vid tend to lead to a credit card centric discussion. Although that is great and all, if you use it wisely, I think that there is much more value in topics like these. I need some help. I downloaded your sheet, but I don’t see where I can put the percentage down payment in my sheet. I like to play with the numbers, but the version you provided only shows the sale price and automatically calculates what my 20% amount is. In this video, you put the 3.5% down payment and the numbers adjusted automatically on your sheet. How can add the highlighted box in C6 so that I too can calculate different percentages for down payments?

@WhiteBoardFinance 3 года назад

@@jonathanacosta1648 go to the down payment amount cell and change it from .2 (20%) to .035 (3.5%). you can change it to whatever you want percentage wise.

@ChristopherAbelman Месяц назад

Mortgage rates are at an all time high since 2000(23 years) and based on statistics on inflation, we might see that number skyrocket further, a 30-year fixed rate was only 5% this time last year, so do I just keep waiting for a housing crash before buying or redirect my focus to the equity market

@FinnBraylon Месяц назад

The stock market is the same, to maintain profit you need to have some in-depth knowledge on the market. I mostly just buy and hold stocks, but my portfolio has been mostly in the red for quite awhile now. Unfortunately to be able to make good gains, you’ll need to be consistent and restructure your portfolio frequently.

@HildaBennet Месяц назад

In my opinion, it was much easier investing back in the 80s but it’s a lot trickier now, those making consistent profit in these times are professionals reason I’ve been using an advisor for the past 5 years to consistently build my portfolio in preparations for retirement.

@PennyBergeron-os4ch Месяц назад

My partner’s been considering going the same route, could you share more info please on the advisor that guides you

@HildaBennet Месяц назад

Research Sonya Lee Mitchell and do your own research. She has portfolio management down to a science

@PennyBergeron-os4ch Месяц назад

On her page, she appears to be well-educated and well-read. I ran a Google search on her name and came across her website; thank you for sharing.

@Killa91115 4 года назад

I just got done building a house in Mexico for 50 grand 5 rooms 3 bath rooms two living rooms. Retirement home all set.

@ryrydag 4 года назад

Nice! Where at in Mexico?

@Killa91115 4 года назад

Ryan Brunson mazatlan where all Americans and Canadians live

@robertoramos8257 3 года назад

That's all great till the cartel shows up Haha jk idk maybe it's not that bad mazatlan is beautiful though

@FRAMEDSKATEKREW69 3 года назад

You about to get deported 😂

@evanhdez 3 года назад

@@FRAMEDSKATEKREW69 why would he get deported?

@AkeemKN 4 года назад

Why is this not taught in school?? Same with how to write checks, how to manager your finances, how taxes work, etc. This would help our younger generation be more prepared for life.

@AdrianGarzaVlogs 4 года назад

thats how to rich stay rich. SSSHHHHH. haha

@indigobeauty1 3 года назад

The Rich want the poor to stay poor.

@philosophicalviking6808 2 года назад

Most of that used to be taught in school.

@kenonerboy 2 года назад

Because the want u to rent

@TheModdedwarfare3 2 года назад

Mitochondria is the PowerHouse of the cell

@kennydwayne8150 4 года назад

Marco is my Financial Advisor... and he didn’t even know it 😩🙃

@U2too 3 года назад

didn't know what?

@panzoidyt9994 3 года назад

Daddy chill

@y0ungj0m 4 года назад

Marko, I watch your videos with my wife, and even tho English isn't her first language she says everything you say is super easy to understand! Thanks for all the good info.

@fraylinsuero2227 4 года назад

This is a video I’m most definitely gonna share. Before watching your video, I was a little informed on how mortgages worked, but you pretty much broke everything down and I gotta say, I’m super happy you made this video Marko. Keep up the good work 😊✊🏻

@stephanieracicot3944 4 года назад

Excellent video! One that breaks down the complexities of mortgages for those just starting out or just wanting to learn more. Thank you so much!

@stjepanhauser7595 Год назад

During a bear market, the headlines will focus on negative news, whether it's declining economic growth, geopolitical upheaval, cultural and legal turmoil, or some combination of all three. I listened to a podcast of someone that grew his reserve from $120k to almost $460k during this Red season, can you share tips on how to make such aggressive proceeds in short periods?

@JWQweqOPDH 4 месяца назад

Any returns above the S&P 500 are just luck. People simply gamble their money investing and if they win they sell classes to fools. Of course there are plenty of investment scams too.

@qkun 5 месяцев назад

THANKK YOUUU SO MUCCCHH OMG my family and I have been in a dire need to move out, rent is expensive yet we don't qualify for housing, we're also looking to buy. We had applied for a mortgage loan however I told my mom at the end not to go with it cus quiet frankly she doesn't understand it, and i dont either. I told her it's not smart for either of us to do this in a rush without knowing what we're getting into. After all, a mortgage is a huge commitment. This makes me feel so much better on what to expect when buying a home and giving me a place to start on how to get there. Truly needed this, thank you sm!!!!

@kingbush9328 2 года назад

Your businesses will make you rich but your investments will make you wealthy. We all deserve to be rich and have financial freedom. I pray everyone here becomes extremely successful.

@josephfrys6969 2 года назад

Most people venture into crypto to be millionaires, meanwhile i just want to pay for mortgage

@JessicaRodriguez-bm7gq 2 года назад

Assets that can make you rich Crypto Stock Real estate Gold

@andyobiorah4779 2 года назад

@@JessicaRodriguez-bm7gq You're right, Fear is one of the factors that hinder most persons to invest into crypto, most persons say ignorance..

@chrispaul3778 2 года назад

I'm enjoying working under a platform that brings good returns in my life and I've been making my weekly returns without stress all in crypto

@dannysamuel4056 2 года назад

Investing in crypto is the most profitable investment due to its current rise, huge profits and future benefits.

@Colmz1 2 года назад

I have never felt very educated/informed by a YT video until today, very concise!

@KishanK1022 4 года назад

Really needed this man. Your work is truly appreciated!

@elainepeach9634 2 года назад

Thanks so much, Marko! We're in the very, very beginning stages of exploring home ownership. So helpful, + you saved me hours creating my own spreadsheet!

@Valid_Points 2 года назад

Dude! This is awesome explanation!!! I was hurting my head to understand USA taxes, insurance, credit score/history and mortgage!!!

@zimandolapaperman7108 2 года назад

This video made so much sense, and I don't even live in the U.S. But generally just helped me understand what goes into a mortgage.

@PierceJordan 4 года назад

Love that affordability spreadsheet. Great video man!

@veronicaguerrero5827 4 года назад

Thank you! Marco for the service you are doing in this lifetime 👏👏

@elizabethhunter2297 2 года назад

Thanks so much. So many mortgage lenders gave me their explanation of all this, but your video really made it all make sense to me!

@gresahalili2627 4 года назад

Thanks so much for uploading this! Me and my fiancé just started browsing for homes and we’re so clueless! Definitely needed this

@chrisysk91 Год назад

Just started considering buying houses for the profit for first time and this vid taught me about mortgage so clear I gained confidence. Great vid

@jonnyboyGO 4 года назад

Thank you for the knowledge Marko, it’s always greatly appreciated!! 🙏🏽🙏🏽

@juliaenglish1682 10 месяцев назад

This was the best, most informative RU-vid video I have ever watched! Great job!

@maxwellmuller 3 года назад

Wow, 🔥 such great points throughout!! I’m definitely going to keep this in mind💯

@darrenheard9943 3 года назад

WOW! That insightfulness was relieving. Thanks for the wisdom.

@hyeeunjung4451 3 года назад

New to ur channel today!! Wonderful info for me to plan to buy a first home in near future. Thank u so much for all ur efforts I learned a lot from you. spreadsheet is amazing. Just perfect👍🏻

@olgagarcia4450 3 года назад

I don’t know anything about mortgages but, you explained it so well , so easy to understand, thank you so much.

@neilbhaskar1841 2 года назад

Excellent - I was going to do Excel spreadsheet for my daughter, first home buyer, you did so well - thank you! Also introduce the difference between Mortgage and Line of Credit (LoC) - essentially cost of capital, that comes in different colors!!!

@jonathanjaimes1438 Год назад

First mortgage video I've seen as I am sticking my foot into the buying a home door and woww this was helpful, God bless Marko!!

@vanessaestrada9234 3 года назад

I love your tone and relaxed pace. Great video! Thank you for the information Marko.

@caseyjordan4819 3 года назад

All thanks to Alastair foreign exchange for helping me to trade my $450 into Bitcoin and I was credited with the sum of $5300 after seven working days of my trade with him now I’m debt free I can settle my bills without even touching my paycheck I’m so happy with Bitcoin life is easy 😊.

@GigiGaskaite 4 года назад

*VERY WELL EXPLAINED! Thank you for educating people about mortgages it is so important 🙏🏻🙏🏻👍🏻👍🏻*

@pampercrown6758 2 года назад

For the first, I get it.. Best video that broke all the myth surrounding mortgage down piece by piece in a user friendly form. Thank you.

@sandramathew4965 2 года назад

You have given such an amazing advice! Applaud-able. If you are in Texas and if you are a first time home buyer mortgage, then Texas homes by Z should definitely be your pick.

@frankielinse9107 Год назад

This was the best video about ever, yes you’ve created so much value. I appreciate you!

@angelayala9065 2 месяца назад

So glad I found this video ❤ me and my fiance are starting to look for a home and we weren't sure how it all worked.Thank you for doing this video it will help so many people for years!

@hugol1992 4 года назад

Hopefully RU-vid pushes this to #1 trending.

@WhiteBoardFinance 4 года назад

Lol please share!

@ryanraines1469 4 года назад

like how neat and organized description links are

@Clipsandtips_0407 2 года назад

man this dude explain everything so smooooth!

@ClevelandInvestorPrimer 4 года назад

Yet another great video, Marko! Interest rates right now are amazing, and it's a great time to borrow if you're in a position to do so. I recently made a video about the 30 yr fixed rate mortgage I got on a Cleveland-area RENTAL property (rather than one I will live in myself), and got a rate that wasn't all that much higher than what one can get on an owner-occupied type loan!

@thebritish910 3 года назад

Great video Marko, just what new prospective first time buyers need to know. Very helpful sir. Good job for educating the people.

@user-jl9ux3vt5s 2 года назад

Help line ⤴️

@UIC-Fitness92 2 года назад

Thank you so much for this video it really simplifies things, First time home owner and this will really affect when we go take out a loan 👍

@financefundamentals2701 4 года назад

Awesome video Marko! Your explanations and videos are always on point.

@Marketplacere 2 года назад

Great explanations! This was very insightful to learn as a first time buyer! Extremely informative ! You can be a teacher/professor. Thank you very much.

@WhiteBoardFinance 2 года назад

Glad you enjoyed it!

@liambuckley6086 4 года назад

Thanks for adding the link into the spreadsheet. Super useful! ;)

@natalieodisho7264 3 года назад

I learned that interest isn't paid last. Thanks for the good point

@simerjeetkaur2711 Год назад

I was thinking to buy a house by paying 5% but your video is so detailed and open my mind. Thanks for making it with examples. It makes sense to me. Thanks again and you did excellent work on it and keep it up.

@yl6128 Год назад

i'm also looking for a home to buy too, but the interest rates are too high so i'm waiting for the home prices to go down, or the interest rates to go down. i really hate how they always use the 300k home for an example (because they are really like 800k to a 1.2 million where I live), but a 1% interest increase is a substantial amount of money you pay by the end of it all.

@huezoslb 4 года назад

As always, excellent info for the masses.

@Lexusupra 4 года назад

You’re amazing Marco , thank you for your time and awesome video as usual 🔥💪🏽 .

@Marketplacere 2 года назад

Really amazing !

@caseybanana8114 4 года назад

Great explanation, especially the bit about amortization .

@jonaseichelberger4895 3 года назад

I am looking to buy my first home and this video was very helpful. Thank you!!!

@dougz2855 4 года назад

Another very informative video! Thanks Marko for sharing this very important stuff, please keep it up!

@WhiteBoardFinance 4 года назад

Thank you!

@ShawnMalkou 4 года назад

Love the video Marko!! Explained it beautifully

@pricemortgage997 4 года назад

💪💪💪

@daisykillmon1649 3 года назад

Excellent video. Simple and complete! I loved ♥

@CaseyBurnsInvesting 4 года назад

Trying to turn up the heat and get rid of mine. This is a great topic. People don’t realize that rents are tied to home prices, higher demand, inflation, and ultimately mortgage payments. Higher mortgage payments, higher rents. This stuff is important.

@stackpapereveryday5682 4 года назад

So I just finished the whole video. Holy shit, good job Marko.

@Bullybeef972 3 года назад

Very clear and precise....coming from you, it's that simple to understand. Thank you... SUBSCRIBED! :)

@creeppin 3 года назад

As always great information Marco! Thank you!

@queerstudbroalex 4 года назад

down payment: 10% is 35,000, 35,000 x 2 (10% x 2 = 20%) = 70,000. mortgage amount: 350,000 - 70,000 = 280,000

@supremedeity4013 3 месяца назад

This was awesome! Thanks so much for running through this. Extremely helpful.

@dianawatson188 2 года назад

A decent enlightening post that you have shared and appreciate your work for sharing the data. I value your endeavors and all the best. Praise your work and continue sharing your data.

@2011vortex 2 года назад

Thanks for sharing Marko! Making us a little smarter to become better humans and smarter buyers.

@WhiteBoardFinance 2 года назад

Happy to help!

@Penlandadam 4 года назад

I love your video. I enjoy every single one of them. You do have a very nice house. Great job on the video. Thank you.

@jordancrenshaw6677 3 года назад

Marko is the goat, so much great valuable information.

@lifeofameji 2 года назад

As a Nigerian, this made me understand the mortgage concept better than what I've known all my life.. Thanks man

@supremedeity4013 3 месяца назад

Seriously this was really great! Thank you so much for sharing. Very valuable information.

@keannacraig4132 Месяц назад

I have a little to no knowledge about mortgages! After watching this video. I feel a lot confident after watching this video. Thanks for your info ℹ️

@WhiteBoardFinance Месяц назад

Glad it was helpful!

@miguelquiroz1550 2 года назад

This explanation Helped me a lot. Thank you very Much!.

@Totomuncher 4 года назад

This video is great! As a first time home buyer this was definitely educational!

@theseekintruth1575 4 месяца назад

This is helping me study the mortgage practices and concepts to pass my exam! Ty!

@danteboutthatbiz1875 3 года назад

Thank you for this im about to be in the market for a new home this helped alot!!

@juanlizarde8532 4 года назад

Marko, I noticed you did not mention debt-to-income ratios as a prequalification for loan approval. Thanks for your videos they are very educational.

@Lemonsmeringue 2 года назад

Thanks Marco. This was very helpful. Looking to purchase my first home.

@ceumarosa Год назад

Thank you so much for all this information my little sister is about to buy a house and I’ve been trying to tell them the way to go is 15 or 10 because you end up being off it’s a little sacrifice but get it done by your content is literally the best Contant in the entire world wide web thank you

@the_dev_hooper 2 года назад

Great video. This was the first time watching your video and already subscribed to your RU-vid channel

@arindambasu8343 2 года назад

Hi Marko, Greetings from me. This video is very helpful for Mortgage concept learners. Hats off to you for this wonderful presentation.

@Brandon30 4 года назад

Thank you! My all in housing expenses is 29%. And it’s a 15 year.

@tiffanycoleman9970 4 года назад

Great information Marko. Thank you!

@freedomisfrugal5079 4 года назад

"If your in California..." - story of my life lol 😭

@beastfromtheeast9318 4 года назад

Move to Las Vegas or Florida

@ItsMikeArre 4 года назад

Beast from the East Vegas Florida is fkn gross haha

@beastfromtheeast9318 4 года назад

Mike Arredondo lol and California isnt. You got shit load of homeless people there and let’s not forget skidrow the land of STD’s

@RetroMMA 4 года назад

@@beastfromtheeast9318 @Beast from the East Why? And bring their bullshit politics to another State? Let them suffer...

@Dominicano809 4 года назад

I'm a real estate agent in Florida, I'm happy to help you move out of CA!

@soydizzle 4 года назад

Great info and advice. Keep up the good work

@toddmullins7300 2 года назад

Thanks! This was helpful and easy to understand.

@IWillBecomeaMillionaire 3 года назад

That amortisation table was really interesting. It made me completely rethink interest rates. I was thinking about them purely as percentages but as the interest is front loaded and I would be likely to move within 5-10 years rather than 30, I would be paying far more in interest! 😮

@idaxius_ 3 года назад

Well, really only if your score is lower than average(at around 550 or so, they will start adding more and more to the rating because of how low of an average payer to loans you are)

@josiebright6509 3 года назад

This video is SO helpful! Thank you for sharing, looking to buy a home soon and this answered a lot of my questions! 😊

@djukan2010 4 года назад

Nicely explained! Thank you!

@RealLifeMoney 4 года назад

Interested in seeing how the real estate market looks as this unemployment and forbearances weigh on the economy 🤔

@LetsLearnEconomic 3 года назад

The interest rate will try to prop up the housing bubble.

@ryanraines1469 4 года назад

Kevin discusses mortgages in his paid course but not even as simplified/meaty and no spread sheet calculator. Thanks huge value for RU-vid video.

@WhiteBoardFinance 4 года назад

My RU-vid videos aren't the most entertaining, but they are packed with value. ;)

@ryanraines1469 4 года назад

Marko - WhiteBoard Finance don’t short yourself subtle comedy mixed in plus the ender always good, best in game (Graham doesn’t have me laughing as hard) 👍

@TEAMASHTHON 2 месяца назад

thank you so much. This was an actual class and something I should've known at 38 years old

@papagyete Год назад

Thank you, Dude. You have made it so simple

@davidjorge4425 4 года назад

The ending was hilarious! Everybody broke! My wife and I finally have are 20 percent saved we live in SoCal which means we can but a sack for 400k or a cardboard box for 350. The Video perfectly applies to what we would want to spend. And we are strongly considering getting out of here! Thanks for all the video! I toon into them all!

@davidjorge4425 4 года назад

Sophon I’m in riverside county. Yeah I was talking to a friend of mine in la also looking to buy and 600k is average

@kbanghart 2 года назад

@@sophondanielm7377 I don't know, looks like the housing market is still going steadily up.

@kbanghart 2 года назад

@@sophondanielm7377 but since you're a realtor maybe you would know this, I've heard that it's hard to get a loan for under 100k just because banks would usually prefer selling bigger loans, right? So what do people do, do people just maybe get a loan for say 150k so it's easier to approve?

@HugoBergmann-lu4nd 13 дней назад

In the early 1990s, when I bought my first home in Miami, first mortgages often came with rates of 8 to 9% and 9% to 10%, which was quite common. It's important to consider that we may never return to 3% rates. If sellers are compelled to sell, home prices may need to decrease, leading to lower valuations. I believe many others share this line of thinking.

@StacieBMui 13 дней назад

If anything, it'll get worse. Very soon, affordable housing will no longer be affordable. So anything anyone want to do, I will advise they do it now because the prices today will look like dips tomorrow. Until the Fed clamps down even further, I think we're going to see hysteria due to rampant inflation. You can't halfway rip the band-aid off.

@StocksWolf752 13 дней назад

Home prices will come down eventually, but for now; get your money (as much as you can) out of the housing market and get into the financial markets or gold. The new mortgage rates are crazy, add to that the recession and the fact that mortgage guidelines are getting more difficult. Home prices will need to fall by a minimum of 40% (more like 50%) before the market normalizes. If you are in cross roads or need sincere advise on the best moves to take now its best you seek an independent advisor who knows about the financial markets.

@LiaStrings 13 дней назад

Would you mind telling me how to contact this specific coach using their service? You seem to have the solution, as opposed to the rest of us.

@StocksWolf752 13 дней назад

I've shuffled through investment coaches and yes, they can be positively impactful to an individual's portfolio, but do your due diligence to find a coach with grit, one that withstood the 08' crash. For me, Sonya lee Mitchell turned out to be better and smarter than all the advisors I ever worked with till date, I’ve never met anyone with as much conviction.

@whatthefunction9140 4 года назад

Why get a mortgage when you can live in your car.

@AliAuto101 4 года назад

It's hard to live in your car . Unless you don't have kids .

@AdrianGarzaVlogs 4 года назад

you can sleep in your car, but you cant drive your house... hah

@whatthefunction9140 4 года назад

@@AdrianGarzaVlogs home sweet motor home

@danny1103 4 года назад

Technically I think it is illegal to live in the car, well at least I know that as a fact in some states.

@whatthefunction9140 4 года назад

@@danny1103 why live in a car when you can live on the street

@user-gj5yy6rk2q 2 года назад

I never understand why we never get taught things like this at school. Most of us go into the real world clueless

@elizabethmehling5717 7 дней назад

It's done that way on purpose so you are forced to either pay for the service to be done by someone else, or pay to learn.

@dustinvynermortgagebroker 2 года назад

Incredibly helpful video!

@p9948 4 года назад

Very nicely done Marco!

@platinumhand9517 3 года назад

Marko, you’re a pioneer.

@the.homehunter Год назад

👍 Great content, keep the videos coming!

@WassaAlan 4 года назад

Can you go through the house buying process and all the roles/hands that get involved and how they are paid? Ex. Closing costs, commissions

@yippieyee291 Год назад

Thank you very much for your clear and precise explanation for the first time home owner. Yes, I found great value in your video, only can further recommend. Your hair looks great and you are handsome 😂🙏.

@cynthiacrowther9234 2 года назад

Thank you for this info. I'm trying to buy my 1st home.

@cassandrawilliamson1773 4 года назад

Great content as usual Marko. I live in Fl prices are super inflated so I’m waiting to buy. 20% down is the way to go, but I will take a 30year fixed but make extra payments monthly towards principal. Life happens so if you can’t pay extra you continue paying your 30yr fixed rate monthly payment. Any extra cash go towards principal. Still can pay off early and save 💰💰on interest. That’s my plan🤞🏽🤞🏽