I think underwriting should be 100% done by computer

And what if u can't provide the documents

I recently purchased a 330k house. It’s paid off. I remodeled it and now it’s worth 500k. How can I get access to my equity while I’m unemployed?

Hi, I just so happened to across your video. If you take a loan from your 401k will they considered that in the DTI ratio when purchasing a house?

Interest rates today😂😂😂 scary

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We did a closing on our home and weeks later they are asking us for a missing documents signature. What should we do?

Great video

I'm self employed and we have a tax bill that we will be paying on July 15th. My lender reached out to me again about sending over proof where the down payment money came from. I repeat AGAIN and either payment plan or proof of taxes paid. I replied to her email that those taxes would be paid in full by the middle of the month. Her response was "the investor wants it now, either a payment plan or balance paid in full now" I told her that just wasn't going to happen. This pending company has been a mix of good/bad. I'm just not going to be bullied by anyone and I feel that's what I'm getting. It's a conventional loan so I'm sure it's Fannie Mae or Freddie Mac. Any advice would be great and I'll take it and run with it. Thanks!

Hi Are you looking for a professionals KZbin thumbnail designer and video seo expert?

Could a credit increase hurt the process?

Now we are buying a new home, the lender is asking the closing disclosure for our previous home? Is that common? Is it okay to share? The reason they say is they want to confirm the closing date.

Thank u so much dear😊

I’m in a situation where we received our closing documents and the clear to close on yesterday after having to yet again send over a long list of documents, but today they’re asking for my check stubs and I was told they could possibly be asking for more documents. Could this mean that there’s a chance we won’t be closing?

If you have 80K cc debt, should you use a Heloc?

Some of the HELOCs are fixed and variable. I am in the process of implementing this strategy.

My lender is asking for proof of income tax payments 6 months after closing to make sure we are still making our payments, which we are and had never missed at any time over the last 2 years, the loan officer stated that we are paying over the amount of what the payment arrangement is and that could make our debt to income ratio over. I feel that we are not missing any mortgage payments and we are trying to pay off our tax debt asap so how does this affect our loan approval now,? Also the loan has already been sold to a secondary lender. When I asked are we not able to pay more ? he stated that it could cause an issue with our loan??

This information is very important for home buyers to know. Thanks for making this video!

What about if I receive a 2nd verification, but the employee was terminated.

So if my credit score reaches 780 and then if i stopped using my credit score for a few months, will it automatically drop my credit score ?

As a post-closing specialist myself, I appreciate you explaining this to people!

This AMAZING woman is a pro at what she does . I experienced a crazy experience after closing . She is so easy to talk to and willing to go the extra mile. I couldn’t have thanked her enough ! She calmed my mind after freaking out 1000 times. Thank you Erika ! You’re amazing and I recommend everyone to call her and just have a conversation prior to closing and after!

Just tell them to F off

*Promo sm* 😃

These are great summer tips!

what if the title company wants me to resign documents 2 months after closing and the loan has been sold AND I'm having an issue with the seller post closing, should i be suspicious?

Good to know about home buying!

Love these! ❤

Pass on more money because Karen doesn’t wanna do more paperwork? Yeah no thanks, I’ll just find another bored housewife that became a realtor instead of a hair dresser

Just wait for the bubble to pop, they'll beg you instead of you having to play their game

Honest question. Do you, truly, know what the Fed Funds Rate is? Also do you know what the yield curve is? Also do you know why mortgage rates have ticked down in the last month? Thanks!

How about put no money down and buy it in cash... If you can't afford to pay full cash price you can't afford the car so i suggest they look for a used bicycle

OMG😍,Awww💞 I love this!! Increase your stats = "promosm"!!!

Does this only apply to houses bought after March of 2023? Let’s say you bought in August 2022, would you have to wait till August 2023 if you don’t refinance before March?

I appreciate you sharing your thoughts on FHA loans. This is actually very helpful. Hope you make more videos like this. Keep it up!

What if you have had two previous jobs (same field) would verification be needed for each position? Would it be similar to this (dates worked and reason of leave?

Eesh, the goal is to be in a position where you don't need loans, not have multiple.

I see you answered someone’s question regarding the possibility of them being kicked out of their home, to which you answered no that they would have to service the loan. So here’s my question as a follow up to that, would I be able to refinance at a later date if and when interest rates go down? I’m in a similar situation where I closed and am now being asked for additional information. Btw you helped lower my stress immensely by stating that I cannot be kicked out of my home once we closed 🙏🏽

What if this situation comes up and whatever they’re requesting you cannot produce it then what exactly is going to happen? Does it means the house is no longer yours?

So we closed on our house a month ago with the intent that I would be working for a certain company but it didn’t work out & but now our lender is saying we may responsible for full amount of the loan? Can they do that?

The interest only payment is something most YTs don’t mention hmmm

Just cut it in two Learn to balans your expenses

I completely understand what you’re saying but the buying process was so stressful and they kept asking me for things over and over again I gave them my two years of tax returns plus because I have a side business I gave them my section C I believe it’s called that then they ask me to go to H&R Block and get a letter from one of the employees that I do my taxes they’re like my W-2s weren’t good enough so after all this stress for almost 3 months I’m finally in my home I’ve been here for three weeks I get a phone call from my lender asking me for receipts for my business. First of all I Work at a company where I make 80% of my income and on the side for extra money I clean a couple homes a week it’s not even a business but I do add it to my income tax every year, I ask them in the beginning if they wanted receipts they told me no I even went online to ID me and gave the lender transcripts of my W-2s and found out I owed $1200 in taxes from the business. I’ve done all that was asked of me but then three weeks after closing their still asking me for one receipt. I understand that we sign a document at closing stating that if anything else is needed we have to adhere by whatever rules but this is what should be done before closing because of the stressful situation people go through this process once the contract is signed and I get the key and I move into my home I shouldn’t B asked for anything else once I’m in my home. The process was so stressful with this mortgage company I was put in the hospital for a couple days when I finally moved in my home it was such a relief now to hear that I need more proof lender should not be allowed to do this and if they forget to put something in the file before closing then They should be accountable. The rules and laws have to change

How long after can they request these documents after you have closed

⭐ 𝓹𝓻𝓸𝓶𝓸𝓼𝓶

Hello, if we have closed on a house and moved in, and the lender is asking for additional things and we provide them. Is there a potential that they would not be satisfactory and we get kicked out of the house?

Are you in the Austin area?

Does putting Against Company Policy affect their outcome?

Question. My sister passed away oct 2021 n she have 408K. Not sure is same as 401K. Anyway I didn’t know she have 408K until i dig through her stuffs n saw her 408K name me her primary beneficiary. My question is now what I do next??? Im new to all this. I don’t know what steps I should do first?? Im lost. Please help 🙏