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Пікірлер
@evaicabalceta4710 19 сағат бұрын
They don't say anything about the seller his primary resident.
@jorgejim28 4 күн бұрын
Why do you think they have so many bad reviews? Serious question… look at their reviews on Google Maps
@patrickharrington2230 5 күн бұрын
Great information, thanks Jen.
@LoanWithJen 4 күн бұрын
You are so welcome!
@TheLibertarian 5 күн бұрын
Isn’t a big secret any more. Most lenders will use FICO versions 2,5,4 of Experian, Equifax and TransUnion in that order.
@jenanddoug 6 күн бұрын
I always feel a little bit smarter after I watch your videos. Not only is it useful information for my life, you add in some nerdy facts that 😊 make me feel a little more prepared for a trivia night.
@LoanWithJen 5 күн бұрын
Happy to hear that!
@meghanhill1142 10 күн бұрын
Great information, God Bless you 🙏🏼
@LoanWithJen 4 күн бұрын
Glad it was helpful! Thanks for watching!
@AngelEyes-xm7el 10 күн бұрын
Sleeping in a car
@AngelEyes-xm7el 10 күн бұрын
How much housing really.
@OldguyitisOconnor 10 күн бұрын
From the Wise County Messenger, January 16 2025 “An individual is entitled to defer the portion of appraised value of property they own …..” Although the tax collection is deferred, interest continues on the unpaid portion of tax at a rate of %8 per year, and the deferred tax remains a lien on the property.
@engelperez151 11 күн бұрын
It would've have been much easier getting a approved for a mortgage loan if people would've stopped getting a home they know they couldn't make the payments because
@lovingit1538 12 күн бұрын
FHA
@pharris335 12 күн бұрын
Just found this. Very helpful as I am getting ready to renew. Thanks
@LoanWithJen 12 күн бұрын
Glad it was helpful! 😍
@droubal 13 күн бұрын
Great conversation. Very knowledgeable guest. I'm looking at my insurance policies now.
@LoanWithJenBizTips 13 күн бұрын
Glad you enjoyed it! Reviewing your policies is a great step-smart move! 👍
@LoanWithJen 12 күн бұрын
Good luck! I wish you the best!
@oejn2019 14 күн бұрын
I am in Canada. Are you and would your advice and expertise be limited to the US? Thanks in advance.
@LoanWithJen 12 күн бұрын
Hello, thanks for watching. My advice is limited to the USA.
@mendezeddie1322 14 күн бұрын
What insurance companies should I get routes from? Progressive keeps going up each year by 200. 4 year old home 1564 square ft paying 2352. That seems high
@mendezeddie1322 14 күн бұрын
I'm by the Dallas area and need insurance.
@YoutubeFabLifeOfJan1 16 күн бұрын
Question: I am years ahead on my FHA loan mortgage due to paying down the principle early. Based on my current loan balance and doing the calculations my MIP should be alot lower than what I am being charged. I have contacted my loan company Freedom Mortgage atleast 3 times throughout the years to discuss this issue. They have told me that the MIP is not calculated based on the current loan balance but is determined by what is on the original loan's amortization schedule for the number of the year that the loan is currently in. Based on everything that I am learning and constantly viewing on KZbin it appears that what Freedom Mortgage is stating does not seem correct. Is the MIP calculations based on the loan balance or not????
@oglandonkoglk5530 18 күн бұрын
Trying to buy as 1099 employee, just curious if possible to get loan for double the amount of the property to cover the buying cost is it common to get a home loan that covers renovations
@diamondplatinum3157 18 күн бұрын
FHA 203K. would just recommend to find a good LO that has experience with these type of finance since not many LO do.
@marusholilac 19 күн бұрын
I'd love to have an umbrella policy, but cannot since I have 4 carriers - home, vaction home, cars, motorcycle. When I've checked they always demand that all property coverage be with one carrier, which is not practical, smart or likely. Great tips in your video, especially now in this age of "what the traffic will bear" premiums.
@Rorotee1108 19 күн бұрын
Hi Miss Jen. I’m interested in USDA loan. How can I dm you?
@gadyhernandez7801 19 күн бұрын
Will that affect the amount that it goes to the principal? I know that the longer you are paying down your mortgage the more it goes towards the principal of your loan and less to interest. My question is if you start all over again with a new lender , will that affect this amount.
@LoanWithJen 12 күн бұрын
@gadyhernandez7801, if you refinance, starting with a new lender, then you will be starting at the beginning again. However, if your mortgage is sold to a new servicer, you are not getting a new loan...all your payments continue without break, in the same position on the payment schedule. You would not be starting all over again.
@jenanddoug 19 күн бұрын
I didn't know if I didn't qualify now that I could qualify later! I thought it would red flag me to never get a home loan.
@LoanWithJenBizTips 12 күн бұрын
There are a lot of reasons based around fear that cause people to wait to apply for a loan. I get so excited when buyers come to me even though they are afraid, and I get to be the one to put them at ease. New things can be scary, but I'm here to tell you that I'm here to help! I want to help you get your home!
@jenanddoug 19 күн бұрын
I love that PMI can be dropped later with a conventional loan. I love saving money - even if I have to wait for it. Question...Do I get to choose what type of loan I get, or does the lender choose based on all my information?
@LoanWithJenBizTips 12 күн бұрын
You Get to Choose!
@sonalshahhouston 20 күн бұрын
Great news!
@LoanWithJenBizTips 19 күн бұрын
Thank you so much for always watching!
@LoanWithJen 12 күн бұрын
Right! I'm so excited for our clients!
@billstapleton1084 20 күн бұрын
The Key is to fight the property assessment. Do not take the Counties word for the value of your home. Last year, I had to fight on my homes assessment. First I learned that the first person has a limit of how much they can reduce your property value. If you do not agree with that, you can go to a three-person board to prove your claim of value. My recommendation is to do your research. I was able to reduce my assessed value by $70,000. Every homeowner needs to fight the assessed value. Many people who still have a mortgage do not pay attention to the increases to their property taxes. You need to look at this and fight it,
@LoanWithJenBizTips 12 күн бұрын
Bill, you are right, people should take the time to fight the assessed value. It can be a great benefit!
@daviddodd7632 20 күн бұрын
The county I lived in had trucks driving around all day checking for home improvements, including painting, so they could reassess the taxes. The best thing I’ve done was leave Texas!
@LoanWithJen 12 күн бұрын
Thanks for watching. I'm glad you found a place you enjoy better. Every place has their pros and cons, and I just LOVE Texas!
@jenanddoug 22 күн бұрын
This is the reason I waited so long to apply and buy a house! Wish I had heard this 30 years ago! Thank You for sharing this!
@LoanWithJen 22 күн бұрын
Glad it was helpful!
@jenanddoug 23 күн бұрын
The first time I bought a house I was so afraid I would say the wrong thing and disqualify myself from buying a house. You made me realize lenders want to help make sure I can get a loan if I can afford it. I guess I was just afraid I was going to be told "no." It was so amazing to get the "yes!"
@LoanWithJen 22 күн бұрын
Lenders are here to help, glad you realize that now. 😊 One of the things I love doing is giving people a plan to get into right place financially and credit wise to buy a house. It's very rewarding to see home buyers get into their new homes!
@jenanddoug 23 күн бұрын
Thank you for the important info!
@LoanWithJen 22 күн бұрын
You are so welcome!
@novaquinn5323 23 күн бұрын
Thank for the info. And straight to the point! I take care of my Mom and her sister in Harris County. Houston, Tx
@LoanWithJen 22 күн бұрын
@novaquinn5323 You are so welcome!
@svzoom12 23 күн бұрын
So my mother is the only name on homes title. At her passing it is Willed to her 5 children that includes me. Can I add my name on the title before her passing to avoid probate? And than at her passing keep the other siblings as stated by will. We're just trying to avoid probate. And with her battling dementia an attorney told me she can't file for Lady Bird Deed
@LoanWithJen 21 күн бұрын
Hello @svzoom12 This is for sure a legal question, and I am not an attorney . What state are you in? I recommend asking this question to a probate attorney. If you are in Texas I can get you a name. If she currently has dementia, could have an issue with validity of her signing something now to add you to the title.
@svzoom12 19 күн бұрын
@LoanWithJen we're in Michigan. We're did move up her from Texas in 1968. Thank you for responding 😊
@RaymondWong-u3m 23 күн бұрын
You said Title charges were about 1%, but I read Escrow charges were 0.2% plus $600. Also pest control, home warranty natural hazard report, document fee and transfer fee. All to see it should be closer to 2-3% on top of realtors fee
@LoanWithJen 22 күн бұрын
@RaymondWong-u3m, thank you for watching and the question. Title fees vary from state to state. Do you live in Texas?
@bobbymiles3127 23 күн бұрын
Why does a college get to charge taxes? Because they need the funding is not a good answer.
@LoanWithJen 22 күн бұрын
@bobbymiles3127, you ask a question that I do not have an answer to. 😄 But I think if Trump moves forward with the plans he announced, we will find out the answers to this in the next decade. We will find out if it's necessary or not. However, it might take a century before we realize the true social and economic impact. It takes time to see the full impact of society wide changes. Thank you for your question!
@bobbymiles3127 23 күн бұрын
how do taxing units get the authority to become a taxing unit?
@LoanWithJen 22 күн бұрын
@bobbymiles3127, I'm not certain I understand your question. Are you asking how the government has the authority to tax the citizens?
@KatrinaIngram 23 күн бұрын
I need your help… I live in Texas but my mom passed and left me the family home completely free and clear but it needs work… But I need capital to do so but my credit…😅
@LoanWithJen 21 күн бұрын
Firstly, I am so sorry for your loss ☹ If the home is not in good condition, a traditional mortgage will not be an option. The options will depend on if anyone currently lives in the home - is it an investment property or a personal residence. Are you living in the property, and do you plan to live in the property? If it is an investment, you likely need a hard money loan, and they only lend on investment properties. They concentrate more on the After Repair Value (ARV) being less than 70%. They may not care as much about your credit. Then we can refinance it once your credit up. Why don’t you contact me, and I will talk to you more and introduce you to a great hard money lender! calendly.com/loanwithjen/15-min-call-with-jen-hernandez
@thelifetimerealtor 23 күн бұрын
I just love your videos Jen they are so helpful! Keep doing what your doing, educating the public you will continue to get your blessings
@LoanWithJen 22 күн бұрын
Thank you so much! Your encouragement keeps me going! If there are any topics you want more info on, let me know! Or if any of your clients have questions that you hear all the time, I'd be happy to address those in a video for you!
@Bringing_Dat_Sunshine 25 күн бұрын
Is this Program available in South Carolina I am moving there to help take care of my 74 year old father
@0rbnotacus 25 күн бұрын
Yea, show people how easy it is to get a terrible interest rate right now! WOW!
@LoanWithJen 22 күн бұрын
@0rbnotacus thank you for watching and for your comment. I love it! Let's break it down. "Terrible" is a relative term. Credit cards charge 29% interest...that sounds terrible to me. I'd prefer to have 7% over that any day. And hard money lenders are more expensive than the mortgage lender rates, so relative to hard money and credit cards, the current mortgage rates seems pretty good. Watch my video about the 2025 forecast kzbin.infoNwFZqf4aFpU and see why if you are a renter, waiting will cost you even more than if you keep renting.
@shawnsnow6413 Ай бұрын
Families losing their homes is healthy for the market. -real estate lender
@LoanWithJen Ай бұрын
Agreed, it’s always been a part of our industry and allows for investment and rebuilding
@Yacoba_Israel Ай бұрын
Can we refinance to get those benefits?
@LoanWithJen Ай бұрын
@@Yacoba_Israel hello! If you refinance to a VA loan yes, so I assume you have a loan now? Why don’t you schedule a call with me so we can talk about it and make sure I answer your questions completely calendly.com/d/cngj-38x-xg6/introductory-call-with-jen-15-minutes
@stephaniearon-weiss3815 Ай бұрын
Great Information!
@LoanWithJen Ай бұрын
Thank you!
@taylor943 Ай бұрын
I pay more in property tax every year than I do on my mortgage principle, interest and insurance combined. Equity doesn’t exist in Texas 😢
@LoanWithJen Ай бұрын
It’s crazy, yes, gap is closing. but some appreciation better than none. Paying rent has negative return 🤦🏻♀️
@NaTashaAshton Ай бұрын
My husband and I closing day is January 20, 2025. When is our first payment due?
@LoanWithJen 21 күн бұрын
@NaTashaAshton Thanks for watching! Your first payment will be due March 1. Here is a video about it! kzbin.info/www/bejne/nYvYe4asrbx1paMsi=pW5asu7rWAOwM9ad
@supasuprodchinda1350 Ай бұрын
Fuck the world. I have 160 k in cash. I have 60k in stocks/ crypto/ and over 30 k in physical gold and silver… 805 credit score ZERO FUCKING DEBT. Oh and I make 25-36k EVERY MOTHER FUCKING MONTH. But that is not enough for their high standards. So FUCK you FUCK THIS Fuck owning a house. And fuck everything else. FUCK THIS FUCKING COUNTRY AND THIEIR IMPOSSIBLE STANDARDS. IF i have to wait 1.5 years i might as well pay cash for the fucking house.
@mendezeddie1322 Ай бұрын
And credit right?
@LoanWithJen 22 күн бұрын
Hi Eddie, what do you mean by "And credit right?"
@harrychu650 Ай бұрын
A trust document is private document. Highly unlikely that anyone would share the trust document with a real estate agent or lender.
@LoanWithJen 26 күн бұрын
Hi Harry, yes, trust documents are private. That being said, a lender will not lend money to a trust without seeing the trust documents first.
@harrychu650 26 күн бұрын
@@LoanWithJen This is not accurate. Especially if the Trust is already holding significant assets with said lending institution.
@sonalshahhouston Ай бұрын
Excellent share!
@LoanWithJen 27 күн бұрын
Thanks for the visit. Glad you enjoyed it!
@christineasryyanitaha2949 Ай бұрын
I need more info pls
@LoanWithJen Ай бұрын
Hi Christine! I’ll need more info from you about whether for investment or your primary home. If investment here is a video in more detail kzbin.info/www/bejne/q5eXoomErLOggcksi=XZcI5fHNj5P2efYk
@smiff7286 Ай бұрын
I think I’ve been unfairly denied loans from lenders or they were being helpful at not being helpful. My credit score is 763, my DTI is 37% and you mean to tell me they could not qualify me for either FHA loan or USDA? I live in a USDA eligible area. Please talk with me Jen. I need some advice or information if you got the time.
@LoanWithJen Ай бұрын
Thanks for watching and I’m so sorry to hear your strugggle with buying! Here is a link to get a call on my calendar calendly.com/loanwithjen/intro-introductory-call-with-jen-15-minutes
@patriciaingraldi4719 Ай бұрын
What a tutorial clear and concise tutorial this is. Thank you
@LoanWithJen Ай бұрын
Thank you for watching and the feedback! Happy new year!