I BOUGHT MY FIRST HOUSE AT 22: Why & How I Did It! | How To Buy A House 2020 

Yesss sis ❤️✊🏾

Jazmine Jules thank you 🥰

It truly does!😌👏🏽✊🏽❤️

Dude tell me about it

So true 🙌🙌🙌

So awesome and congratulations 🎉

Congratulations can't wait to start this journey

Shanita Richardson thank you !

Because when I was younger people would often tell us ohhh you don't need a house now...you wait until you have a family... you know that conditioning of the mind mentality. Had I known then everything I know now... I probably would have had about five houses renting them out

Where in Florida are you located if you don’t mind me asking

where in florida? south? i’m 19, located in broward/miami, currently on my first year of renting & i’d love more insight on homebuying

SahuriPlays Hi am if you google my email is meservices13@yahoo.com if you like for me to give you additional information about home buying programs in Florida. Have a bless day!

Your Favorite P. O. Aw THANK YOU 🥰🥰🥰🥰 share with any young people you know !

Hey. What do you suggest investing in?

Start investing in forex, I've been earning $5k weekly investing in forex through an expert.

Need info please

cedric bradford CONGRATS!!!

Congrats Cedric! I have been submitted to the underwriters and will know in 7-10 days if I am approved.

Lexis Shantell thanks boo 😘

fashionwithoutlabels ayyeee we lit 🔥

You guys are giving me hope. I’m glad people are still out there buying.

Thank you so much!!

That is similar to what happened to me. I’m very glad that I purchased

Are you on IG?

CONGRATSSSSS

Congratulations 🎉

Doctor Fashion I do marketing for a large retailer!

NaturallyNerdeeNicol thank you :)

Aww thank you ! 🥰

So True Uts A Serious WIN &She’s An Interior Designer😁

So exciting!! Enjoy the journey!!

Yes! Make your plan and then work your plan!! You got this 😊

Hi beautiful, congrats on your new home! If you ever delete anything accidentally again, shake your iPhone and a prompt should pop up “Undo Typing” and simply select “Undo”.

What is DTI?

@@deliadarling257 Debt to income.

If you don’t mind me around. About how much in savings did you have to have. Not an estimate amount if you don’t feel comfortable but a ball park would be helpful

@@linwilliams2013 how much you need will depend on your income, debt, and cost of the house you’re buying. With that being said we actually had better days with our savings than when we decided to buy (just had a baby a 8 months prior and took some time off) we had about $12,000 probably. We only put down $3K on the house for earnest money to close. Don’t believe the “you need 20% for the down payment” that’s not true. Your mortgage officer will tell you if they want you to have a certain amount down but mostly that 20% thing is coming from people who want to be smart but it’s not a requirement. We were spending way too much renting and buying saved us a ton that would of took forever to get to 20% paying and we now we can throw more money into the mortgage as well to pay off sooner.

I wanna do this bc like you said renting is more expensive. What’s holding me back is not knowing if I could pay unforeseen house repairs. My savings is not a lot👀

Thank you and thank you!!

Go for it! You can do it!

Amen !!!

Amen

Amen

PERIOD!!!!

😂😂😂😂😂

😂😂😂😭

🤣🤣🤣🤣🤣🤣🤣 she must adopt me too

😂😂😂

Lmao

Thank you so much 😊

@@brandon556 Funny you say that because, that is in my top 3 places to live!

@@brandon556 thank you!

You’re exactly right

Chris Antonello oh yeah !💃🏾🤗

Keep watching this video for all details. Also, my furnished home tour is now available!!

Loool thank you 🥰

Go for it and enjoy the process!

Nikki Brielle thank you ! You got it !!!

Thank you so much for encouraging me to take the step!! I really appreciate it😊😊😊

ChelseaVictoria I should have clarified : I paid 1% to the builder just to put it under contract and “hold it “ but total put 3.5% down since I’m a first time buyer (the more you can put down the better though to have lower monthly payments )! I’m expecting my next house will prob end up having to be in the 20% down range

Oh okay!! Thank you for clarifying lol

ChelseaVictoria no problem! But still super attainable depending on the house you find , you can do it !

Lexis Shantell hi good video hun I love your living room set were u ever concerned about the repair responsibility? I think about that, like it if my homeowners insurance didn’t cover certain things I’d b responsible for out of pocket

Yanet Cortez thank you! Yes I was taking that into consideration as well so wanted to miniseries the amount of upfront repairs as possible

Thank youu🥰

How r u fixing ur credit?? asking for a friend that’s 28 lol

Naturally Ray 😩😭 I was at a 500 credit score, but I’ve plateaued at 615. That took one year. I’m stuck right now. I just started paying things on time, or paying things off at the end of the month. I don’t know what else to do. I keep getting denied when I try and get credit cards 💳

Wow! I’ve never been the 1 to do this, give advice on someone else’s channel, but I have my own credit repair business & I can give you basic advice without charging you a dime on how to get un-stuck! Just let me know!

You need revolving credit to boost your score..... speaking from personal experience

The Slayologist I don’t have any credit & I’m 22 , any tips on how to build quicker

Dauphne McMurry thanks so much 🥰

My struggle #impossibleforme

True NY real estate is mind numbingly expensive. I don’t even know how people are buying those 1.2 mil places.

@@FemiaLove not just you the average new yorker with 1 income.

@@fancyflower3298 well we are not talking about million dollar homes... smh. I am talking about your typical 2 family home, or even single family. Everything 300k-600k is in the hood and /or a mix between ok area but mixed with the hood if you drive past far enough. Or it's a fixer upper that will end up costing you an additional 15k to fix from inside out.

caramelized sugar 1.2 mil just as an example. A bit inflated but obviously not every home in NY is priced at 1.2 mil. Side not though some homes in areas considered Brooklyn hoods are being priced that high(gentrification). But in general NY is expensive it’s a regurgitated fact.

Thanks so much girl 🥰🥰❤️

Congrats !!!❤️ and thank you 🥰

The banks don't care where you work as long as its legal, you've had your job at least 2 years, your credit score is decent and if you do have credit card debt your debt to income ratio is not high!

She just told u “youtube”

hot head she said it wasn’t RU-vid and there’s no way she’s paying for a house with 5k subs lol

@@WeMakeMoneyMoves you still have to make a certain amount. Even apartments ask your income.

@@seanparker2243 I assumed the income requirement was understood, my bad!

You can do it! Go for it!!

Did u get it?

Thanks so much and congrats to you !!

Thank you so much

Awesome 🥰

How much do u need for the down payment ?

Like a decent down payment

I know it can be a hard decision. Take your time and enjoy the journey to home ownership

Thank you!!

Thank you

J P did u serve?

Excellent!!!

ososabrina Aw thanks so much girl 🥰

Lerato Bapela Aw I’m glad thanks so much 🥰

Elleny J. Thanks girl 🥰🥰

Thank you

AndyOfTheCookieFactory thank you 🥰

Lol thank you Soror!💙

So awesome and congratulations!!🎈

BelieveIt SeeIt I’m glad 🥰

Annchristine thanks for the feedback! I refrained as I was told to be a bit cautious with sharing some of those personal financial numbers with the internet so that’s why I didn’t but definitely understand that it could’ve been helpful!

That's not really a good idea.

Valid point 😊

😂😂😂

Thank you 😊

Make a plan and then work your plan! You got this!

Taurean Noble no problem, wishing you lots of luck in your journey !

Mellonee Edgeston you can do it! thanks so much 🥰

Thanks so much! I have some skin care videos on my channel you can check out! But I’ve been liking this even skin tone bar from Ulta lately !

Noted and thanks!

Femia thank you ! 🥰 i can imagine ! Yes for closing you need “cash to close” to put down a down payment as well as closing costs !

Femia also make sure to check out the new video I just posted giving more tips ! ❤️

There are down payment assistance programs that you can look into. Look them up for your state/city/county.

FoougieTV thank you!!!

They’re both exciting. Enjoy

Thank you 🥰

RU-vid has a lot of helpful videos on the home buying process. Everyone process and amounts are going to be different because of different incomes and locations.

MsToya thanks, but it would still help, therefore if she truly wants to help, she can tell us her income and credit score as well, telling either or would not hurt her in any way, seeing that it’s not a social security number, home address, or bank account & routing number lol.

MsToya and I do get that there may be differences but that’s like telling me not to do my APR work when learning because those APRS don’t apply to my life, ya know? it would definitely give you an idea of what to look forward to.

Taylor Not to mention, people should respect that her income/credit score is her personal business just on a basic level. Whether she chooses to disclose it on social media or not should not determine if she’s “truly” trying to be helpful. So nosy🤦🏾‍♀️

FitFuture MD thank yall so much 🥰

Thank you and go for it!!

Yes, it is cute and comfy😊😊

Thank you

Thank you

Justina Chaparro yes go for it !! Thank you so much 🥰

Don't purchase a home unless you are married!! (if you are, research what happens to the home (an asset) when you decide to split ) Listen to Graham Stephan or Dave Ramsey (The Seven baby steps)

Thank you so much 😊

Doris Obinia thank you ! ❤️

Thank you 🥰

Thank you

Thank you so much and congrats to you !!!