Very useful information, thank you, are this rule work for Canada? British Columbia, Can you do mortgage service for me in Canada?

So you’re saying adding huge tariffs on goods, deporting the people that build most of our houses, and giving away our tax revenue to billionaires isnt going to make housing super cheap?

80% of new construction is like this. Except most of the time, it's things you can't see. They'll take the time with the outward facing things, but behind the walls is a mess.

People say that it’s “Always darkest before dawn”.. whatever that vagueness means!!!???😂…. -plan accordingly

7% guaranteed return on extra principal payment if that’s your rate.. not amazing compared to recent market returns, but markets are likely to return to the mean if we don’t have a lot higher inflation or stimulus

It's funny how when the fed raises rates, the interest rates jump but when the fed lowers rates, interest rates jump. There are no wins for the average American.

I got a fha loan 8 years ago. @4.75

Closing soon when should I Lock my rate 😭

Schools first credit union offers a no pmi mortgage and i asked if theres any catch and of course they said no. Any idea how that pmi fee is covered?

Will there be a Christmas live stream? 😅

Hope Trump is goood on his word max credit card interest rate cut to 10 percent max.

Sorry josh it sucks Hope it gets better

The feds are clueless chaos now

✅ - Work Directly with My Team - workwithourteam.net/conventionalloan2025 ⏩Conventional Loan Requirements - kzbin.info/www/bejne/i3-0gHSrhtydhqs ⏩USDA Loan Requirements 2024 - kzbin.info/www/bejne/hnnMnqd5g8l9r9E ⏩Conventional Loan Requirements 2023 - kzbin.info/www/bejne/bKeteYagftGWgpY

Yeah sure bought new 2020 sold 2024 for 175k more bought new again in 2024 its easier to inspect a new construction home from start to finish than to inspect a fully built home from the 60s... Also alot of these areas you mentuoned that arent developed are being devloped so if you buy early you are likely to get massive equity this is fear mongering

Honestly, to summarize, the system is rigged. You can also work your whole life saving and doing without to get a solid foundation built only to have it all collapse because elites moved the goalposts. It's rugged. You are meant to be a peasant whether you realize it or not.

Theres so much work in this country today its just ridiculous Remember when they said there was a shortage of worker's a few yrs back No there was a shortage of pay lol

Lol low business tax lower regulations could lower cost to the public do some get it, lower it for them doesn't mean the cost is lower for us, were just pay the same price behind that almighty curtain, they corporations don't have to work hard for it lol corporate welfare

thank you

Very good info as always. What I will say from my own experience, which may not be typical, loan terms can vary. Love that he always gives a disclaimer & advises to talk to a mortgage professional. There are so many factors that can impact the outcome. 1. I purchased over a year ago in a little different market than the current (interest rates higher, inventory lower). 2. It was a conventional loan, no money down (yes, that's accurate), & no pmi/mpi. All facts considered, it was a higher interest rate than if I'd put money down. There's a trade-off, no money down & no pmi, higher interest rate. Each person must make their own choice(s) based upon the facts & circumstances in their scenario. 3. I had very little debt (< 150 per mnth), a high credit score (> 760), savings, and a long, verifiable work history & income. 4. It was new construction & I did not use their (construction company) lender. I'm not an "all-eggs-in-one-basket" type of person. It's a home purchased for practical purposes. I don't love things or people that can't or don't love me back. When buying, you must try to keep your emotions out of it. Especially new construction...smh (standards across all industries have diminished severely). Most importantly, do your due diligence & don't wait until the last minute. These videos & others, 1000's of homes viewed virtually & in person, along with methodically creating the best scenario in a not-so-good market to get me most of what I wanted minus location, lol. Wanted to make sure I could still live the way I wanted to live without having to work OT or have folks living with me just to afford my lifestyle. It's all about preference.

I'm curious what you take is now on if a lease to buy option is more appropriate in this market?

People often compare buying a new home to buying a new car, but the two are vastly different. Homes are built by numerous contractors with varying levels of skill, whereas cars are assembled on a production line using precise jigs and repetitive processes. It's much easier to ensure consistency in vehicles than in homes, which are often unique.

I do not agree. The guys I know take pride in their work and the rehab houses very well. Yes, you should find a good home inspector to evaluate the house before buying it. No, eliminating an entire category of homes is not warranted.

I would stay away from any HOA. Too many horror stories, better off being free

Yes buy investors buy for less

Does this start Jan 1, 2025?

I think we can buy with less than 20% down

Maybe the low wage , low skilled immigrant laborers n sub contractors are the issue. Besides, with all of the beer cans found on work sites, wat do you think the build quality gonna be??? Before, some years back wen most of these builders were out of trade schools n apprenticeship programs the building quality was much better n solid.

Great information thank you, can I ask you something? Can you get a FHA loan only with bank statements 12 or 24 months? Or only private lenders do that

If your credit score is below 750, then yea you need 20% down and your DTI should be capped at 45%. Because you haven't demonstrated you're good with money. If your credit score is even in the low 700s, then you've been (1) missing payments (2) spending too much of your credit limit (3) have too much debt already. Those 3 things show you arent good with money, sorry

Few things to clarify: 1.) You can use an FHA multiple times, but the max number of FHA loans you can have outstanding are 2. 2.) FHA interest rates are lower than conventional, but when you include the mandatory FHA MIP for the life of the loan its typically a wash (if not worse) from a monthly payment perspective

Another great video. 👏 How about land loans & building loans? I want to build next year.

Good stuff Jeb thanks for the notification smashed the thumbs up 👍

Mortgage Monday Motivation Video!! 💪🏻💪🏻

Thank you for the video! Always good information.

Need help financially ?? No panic anymore my organization helping comment help below

I want to sell in FL and it’s only been a year we e lived in this home. But we won’t get close to $250K in profit. So does the 2 yr rule not apply here?

❤thank you love all your videos