We aren't ready to buy for another 2 years. We had a call with Alyssa. She was great. Gave us some great pointers on the criteria that gave us some ideas of what we personally need to do. Definitely worth getting on the calendar and having a call with them!
All this info is on point. Thanks to Jen and Julie and their team I was able to close my home to move in before Thanksgiving in 2021 during the craziness...
My problem with buying a house is everything is already too expensive I'm paying 1350 a month for rent , ive been paying on my cards with tons of available credit and i have done for a decade and my credit is awful anyway. I've just decided im not gonna own property until my parents drop dead.
These videos are always so helpful! My husband and I plan to start looking once he gets his military orders (hopefully in the next month or two) and are aiming to buy in November or December so this is very timely. Thanks for all of the amazing content!
Happy to help. Look forward to chatting with you and your husband. We can get him preappprved before official orders but you do need the orders to close on the home. Just so you are prepped for that:)
GREAT JOB as always Jennifer!!! Sound advice and well thought out. You and your team are awesome and make miracles happen in this crazy housing market! We can't wait to send you pictures of Thanksgiving in our new home!
Thank you! You motivated me to start the process of working with Ken to get myself ready for purchasing! I would love to know more about the USDA loans. I checked the area where I am planning to move too and it qualifies according to the website.
Happy to discuss a plan but determining what needs to be paid off is not something we can do one year out as rates etc will be different and as I cover in the video we would need an app to be specific. Generally I would start with the smallest credit cards first and do a debt snowball. Check this out www.ramseysolutions.com/debt/how-the-debt-snowball-method-works To book a time to plan grab a spot here calendly.com/jennifer-beeston/preapproval-q-a
If we are trying to do a new build but hope toove by March 2024. And depending on what the builder says about their own time frame, should we add on an extra month or 2 to just be safe? And save that difference also of rent?
Jen, we are in the process of being preapproved with you right now and a house that I am in love with was listed on Friday. The price is right, so I’m hoping it doesn’t sell before I get a chance to see it 😭 are houses selling in less than a week?
Text me this am and I will look into your file 707-478-0637. Need full name app is under as it’s tough to tell with RU-vid names. I am glad you are having a good time with team ❤️❤️ I can dig into this am for you. It’s 8 am here so just waking up but will see if you emailed too etc but text is key
Charge offs are a murky topic as it depends on how they report. If you did pay them off then proof is great but I would not generally recommend paying a charge off. Def talk to a credit expert. I like Ken Strey at Scorewell 925-478-5213
Hey Jen! I understand that Reservists and National Guardsmen are able to utilize the VA loan if they’ve been activated for atleast 90 consecutive days or have been in for 6 years. As a Reservist, I’ve been interesting in moving into a house this November/ December but I don’t actually hit my 6 years of service until September 29th. Would you suggest I wait until next year and continuing saving or should I still follow the steps mentioned in the video of getting pre approved in August/September anyway?
Jenn I have a serious question in regards to switching jobs. I recently retired from the service, and I have a new salary job but I’ve only been working there for 5 months. Would that stop me from being qualified.
Hi Jenn I just started watching you and the informations are very helpful. Regarding Pre approval, can I use multiple lenders or 1 is ok then shop for lenders later?
I guess the issue i have is how to time the buying and in order to give 60 days notice to landlord while closing on a loan😞 meaning I must give notice by December to leave by february when lease expires. I guess make an offer by October, close in November and then first payment in January and continue to pay rent till February?
Aim for approval in late September. In contract in November. Close December. First mortgage payment will be February so then you only have one month overlap on payments.
@@JenniferBeeston hi, yes that is great idea. However the concern i have is what if loan falls through for any reason and i gave landlord my notice? What is a good backup plan? Moving to hotel is my fear😂
I have good credit, no debt and the down payment but I dont qualify for a loan due to my low income. I have a section 8 housing voucher and going through their 1st time homebuyer program that will provide assistance with the mortgage payment. My best bet is to buy a co-opt mobile home. I'm lost in all this? It does seem impossible to me.
I am not sure how the section 8 first time homebuyer program works. However, there’s another one worth checking out if you’re in an eligible area. The USDA direct loan is an amazing loan like really really amazing and it is for low income. They do stuff like subsidize the purchase price offer way below market rates. It’s a very good loan. I have put a link here for you to check out www.rd.usda.gov/programs-services/single-family-housing-programs/single-family-housing-direct-home-loans
@@JenniferBeeston Thank you so much for your reply and the information. Every little bit helps. I hope this will be the link that will open the door for me to buy a mobile home. To my understanding, section 8 voucher is funded by HUD. I get my voucher through Orange County Housing Authority in California. It offers what is called a HCV, (home choice voucher- homeownership program) to very low income people. It will provide assistance with the mortgage payment. My payment towards the loan will be 30% and the HCV program will pay the remainder for 15 years. I will let you know of the outcome.
Hey Jenn, I spoke with Jenn a few weeks ago and I’m so exited to work with you and your team. I am looking to switch jobs. Is it ok if it’s a similar field?
HI Ashley, look forward to working with you. Give me a call as I want to make sure I fully understand the job change and how pay will be affected. 707-478-0637
Holy fvck................ I just checked your google profile feed.... You seem to me the best of the best... No one is better.... I really hope you know everything I say is in good spirit and healthy skepticism... Of my own opinion.... I want you to know I admire your style very much and am very impressed with your google reviews... You have 5 stars.... I don't think that can be faked... If you earned that in customer service.. Your unmatchable in this field... Now you know..
Thank you. I am very lucky to work with buyers who totally get how much the team and I are here for them from start to finish. We really do want to make a difference and get people into homes. Thank you for the kind words. Appreciated
CalHFA may work. Grab a spot on the calendar and request Sandy. She is the team CalHFA specialist and can discuss the requirements calendly.com/jennifer-beeston/preapproval-q-a
Bakersfield and Fresno are cheap mortgages Best places to live in California Wells Fargo bank does low interest as well as Chase Banks low interest In both city s but if you want Elite you move to Sacramento the Capatiol of California
You will need to set up a payment plan with the IRS and we will add the payment to your debt to income… so you are not screwed just have to clean up a bit:)
