1st Time Buyers - NEVER Buy These Types of Houses

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⭐8 Steps to Buy a House - • How to Buy A House | B...
⭐ Where Should You Start? - • First Time Homebuyer C...
⭐ Most Important People in the Home Buying Process - • Home Buying Process - ...
⭐ What is Included in your Mortgage Payment: • What is included with ...
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⭐Can you afford a house: DTI Ratio - • How Much Home Can I Af...
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[@ShaheedahHill]

🚨Do Not Buy a House without My First Time Homebuyer Masterclass with Digital Confidently Closed Handbook, Because After Closing is Too Late: bit.ly/47s4pT7 🚨

[@BDOE33]

@@ShaheedahHill hello is the mortgage rates dropping to 5% or lower next year and the first time buyer 2500 if elected by Kamala Harris?? Thanks 🙏

[@ladytiff3610]

I purchased my 1st home last year... I'm a home investigator as I call myself... Idid my own research...I was blessed to have my cousin as my realtor and she did just as much research as I did... my home is in the school district I wanted it's a ranch style... my neighbors are super nice it's quite There's older couples across the driveway and across the street... direct next door our children are the sames exact ages... they invite us to everything... They went to paint there fence and asked us our option not that they had to because it's their fence... They recently invited us to their daughters Quince ❤

[@BDOE33]

I can't wait to buy my first house renting it's not fun anymore. Time to get a piece of America and build some equity with ownership. Thank you I'm still watching and learning Mrs. Hill

[@leonietaylor7054]

I pray the good lord God will help you to get your beautifull comfortable home of your dreams.Just keep your eyes on God and the Prize. Amen❤🙏🏻🏠🏠🏡

[@BDOE33]

@@leonietaylor7054 thank you for your kind words.

[@Wafferhaze244]

Spot on with the slope!!! My dad’s house/childhood home has a large downhill slope into the woods in the backyard. We’re known for hosting big cookouts every summer, but that slope makes it hard for everyone to convene outside because you can fall down the hill lol. We have a deck but you can only fit but so many people on it. After being in the home for about 20 years now, he is looking to move and his #1 criteria is the new home’s backyard is leveled. That slope is DREADFUL and it costs a lot to have it leveled. My neighbors did level theirs though.

[@ShaheedahHill]

@Wafferhaze244 Thank you for watching

[@salomenewsome4188]

1. Avoid areas with too many renters 2. Town homes or condos that are not FHA available 3. Homes with slopes front and back 4. Master on the main and rest of the bedrooms upstairs 5. Senior communities only allow guests 30 to 60 days an year 6. 10 to 20 yr old homes should have roof heaters and ac replaced 7.

[@teddyupshaw6838]

I like my room to be on the main floor. I'm not getting any younger. I would love to stay in my home to the end.

[@ShaheedahHill]

So think about just getting a ranch, where you will have access to all rooms in the years to come

[@jaesimpson425]

Me and my husband have a 8 month old. Can’t imagine having the nursery that far away. She makes a good point tho. If am thinking about climbing steps at 80 and trying resell what if only young families like mind are looking only at your house.

[@minaminette799]

​@jaesimpson425 these days there are some adapted device as a sliding chair you can install instead climbing stairs.

[@momoftwins8440]

​@jaesimpson425 that was the rage in the early 90s, mbrm on the first floor, all others upstairs. Had a realtor showing us new homes like that. She said it was very popular & parents were asking for it so that's what the builders were building. It was a no for us!

[@amgooder]

Get a stair lift chair.

[@charnamosely372]

I tell people that houses come in ages and stages of life. For example, a younger person or couple buying a two story home vs. People of a particular age buying a ranch.

[@ShaheedahHill]

Good point

[@francinejackson8942]

I'm 60 and I'm considering purchasing income property where I can live (2-3 units). Any thoughts?

[@Takethetest2115]

I bought my home at 39. It was foreclosed and just needed a little love but it was in great condition. I had over 130k in built up equity. So I decided not to sell it and just do some upgrades by doing a cash out. I still have over 100k in equity. I'm not going anywhere 😂

[@Only_One_Diamond15]

I absolutely love the main bedroom being on the bottom level away from the kids so I can have a little bit of peace of mind. So I so be looking for these properties.

[@ShaheedahHill]

@shaprinash7327 Thank you for watching and yes, some may prefer it but, Ive found when people have babies/young children they want them closer.

[@yourfavnurseb9699]

Me too, them kids will be ok, lol. 😅 but I get it when they are really lil it’s a bit scary

[@ElleBrOw]

Visualize kids running above your bedroom 🧐

[@yourfavnurseb9699]

@@ElleBrOw new fear activated. Note to self, make sure the kid’s room isn’t above ours, maybe we can have the bathroom or guest room or office can be above my bedroom.

[@ElleBrOw]

@@yourfavnurseb9699 Oops forgive me if you thought I @you, bc I didn’t. New construction may have an option of room placement. Otherwise when purchasing it’s a roll of dice. Good luck to all involved.

[@DSNCB919]

I purchased my first home in 2020 when i was single with 1 kid for 242k 1700 sqft townhome 3 bedroom. Was perfect at the time 3rd bed was office. By 2024 i had 2 more kids and a wife so i sold it for 385k and bought a larger home at 580k 5 bedrooms and a office 3300ish sqft. I plan to stay here atleast 15 years maybe for good...

[@ShaheedahHill]

@DSNCB919 Thanks for watching and sharing

[@atunstall30]

Where did you find a house at 500k @DSNCB919

[@ElleBrOw]

@@atunstall30 In the south

[@MoiraPraline]

@@atunstall30Philly suburbs

[@MoiraPraline]

@@atunstall30Pennsylvania

[@MrTee12]

Mrs. Hill NEVER misses on giving us the Intel!!! You're greatly appreciated!

[@ShaheedahHill]

Thanks for watching

[@sharita7270]

YES INDEED!!!

[@jaesimpson425]

Thank you MRS Hill

[@momof4121]

Wow I purchased my first home and I have 5 children and I was attracted to my home because the main level had a master it’s a plus

[@momof4121]

And my reason was because if I have guest they can use it or for my aging parents or for myself as I age it’s a huge bonus

[@ShaheedahHill]

Yes, some people do look for this, master on the main option for the reasons you mentioned. In my experience with young families they don't like the idea of having their babies or younger children that far away from them. You know they will roll out of bed trying to come to your room in the middle of the night and try to get down those steps😊 . But as they get older then that might work, I think a good compromise is at least having 2 rooms downstairs, maybe a master and a guest bedroom for when children are young and then you can tranfer them upstairs. But everything in this video is observation from me, so preferences will of course vary.

[@kimpossible1187]

@@ShaheedahHillright the kids are too small so we want them closer to us

[@22bouha]

In Texas, 90% of homes have the master bedroom downstairs. Like it’s a given 😊

[@flawlessish4857]

I'm ok with the master suite on the main floor ai just don't want my kids on the main floor unless it's a ranch As a parent we are the first line of defense I just think what if someone breaks in they have to get to us before they get to my babies

[@ShaheedahHill]

@flawlessish4857 Thank you for watching

[@milesdyson5211]

Don't buy Apartment's Renamed "Condo" in fact Don't buy a Condo either if you don't have too.

[@ShaheedahHill]

@milesdyson5211 Thanks for watching and sharing

[@Itsalldream]

Why is that? Just curious, as I am thinking of downsizing, I was considering a condo .

[@dahbajanman7044]

I bought a Condo and so far people sell very quickly. It's also very quiet as some people are retirees.

[@NBid-rp9ch]

Why?

[@jaesimpson425]

Yes!!! Me and my husband looked at a “condo” that looked like an apartment complex. 😂 . Parking lot with lines. I am not buying an apartment. A lot people moving to NC but that was ridiculous

[@kathywiggins829]

Thank you Shaheeda, wish I had this info 2yrs ago, you are really helping a lot of people by posting this, the realtor or inspector did not look out for me in any way shape or form when I purchased a home I'm devastated, thank you once again,this was very informative

[@ShaheedahHill]

Glad it was helpful, thank you for sharing. Next time you will be more than ready.

[@TheExilemoon]

Thanks for getting me over the hill -this woman awesome signed up for her class. Best thing I ever done .Homeowner for 2yrs now ..Love you Sold by Shaheedah Hill I’m Confident ❤homeownership

[@ShaheedahHill]

So awesome, thanks for the support. I appreciate you😊

[@NYCAppl3]

When my little ones were much younger (K/1st grade), I saw a beautiful home that had a master on the main and all of the secondary bedrooms upstairs. The representative mentioned, "They won't be little forever," but for me, it was definitely a deterrent from moving forward.

[@ShaheedahHill]

My clients too...thanks for sharing.

[@grayscar05]

I mean those are things to consider but when you on a budget and on a strict timeline to buy b/c your rental lease is almost up and you don't want to renew, you got to make some compromises. My home has a slope in the backyard and my neighborhood is majority renters. I would've preferred different but I had to make it work. So my equity did grow 100K in 3 years and the trajectory is that it will keep growing above the average appreciation rate. To first time home buyers, unless you are wealthy, most likely you gonna have to compromise on some things and that's OK, just try to be strategic as possible about it. I was able to better tolerate my slope b/c I have a nice size patio deck which keeps me out the yard most of the time. And the renters here are slowly but surely leaving as the prices go up. I have a neighbor who rented for 15+ years that just left .... I am being patient.

[@ShaheedahHill]

I understand and I agree, sometimes you have to get in and start somewhere for sure. Congrats to you and your 100K! Thanks for shaving. .

[@paulinawalden30]

Totally agree @grayscar05

[@Mz.B_85]

You are so right; a lot of us are on a budget and we don’t have that luxury.

[@ra_8072]

I agree my house is on a slope but it's still a great home. I'm selling it and expect a great return despite it being on a slope.

[@Mr_Joseph979]

​@@ShaheedahHill Hey, I shaved before I watched this video too!😆

[@Lokey_8664]

Very good advice. i wish i found your channel before i bought my home. My biggest problem is parking because i do not have a garage or driveway, and all the street parking spaces are taken by the time my wife and i get home. Please make sure you know where you're gonna park your cars.

[@ShaheedahHill]

@ewilliamsz2099 Thanks for watching and sharing

[@michellereyn]

Flat yards here flood my sloped back yard keeps the water flowing down hill. Front yard is flat so has not been bad

[@ShaheedahHill]

Most yards will be graded so that water flows away from the foundation on your home and doesn't pool for more than 24 hours. When I speak of slope I really mean more of a drastic decline. @michellereyn Thanks for watching and sharing

[@leerussell2539]

Thanks for getting straight to the point

[@ShaheedahHill]

I try 😃

[@CarlyzClozet]

I love how you are giving such great advice. A home purchase us the biggest purchase and heaviest debt you qill carry. You may not be thinking about the futuristicly. Love these gems.

[@ElleBrOw]

@@CarlyzClozet check out fannie mae home buyer online certificate program

[@kay_o5868]

Good points Mrs. Hill! A red flag for me are multiple homes for sale in one subdivision. I've been keeping an eye out in my city and that doesn't sit well for me.

[@ShaheedahHill]

Yes, that can be a red flag. Before I would not consider the neighborhood, I would first try to investigate why they are all selling. On avergage people will move within 3-5 years or so. It could just be that several owners are in that cycle. Many people are cashing out after buying during the pandemic or in some communities many people are leaving homes where they raised their families and downsizing. It could present an opportunity for a buyer since all the homes are competing for a seller. @kay_o5868 Thanks for watching and sharing

[@kay_o5868]

@ShaheedahHill Oh wow, I didn't think about that. That's good info and good to know. Thank you!

[@cynthiahoggatt6911]

I will buying with in the next 4 - 5 years still saving not ready paying debt off

[@josephwalsh7184]

Honestly, when I'm buying a house, I'm buying it for me not anyone else.

[@ShaheedahHill]

@josephwalsh7184 Thanks for watching!

[@amgooder]

Who else would you be buying it for?

[@BooMamaDrama]

I think you missed the whole point. She’s stating if you should ever sell it, avoid certain types of houses and/or communities that would make it more challenging for resale. Or when you buy avoid certain types where you may find yourself in a financial hole from the beginning 🤷🏽‍♀️🙄 But hey you got it genius

[@DanieInDC]

My condo was FHA-approved, in fact it was one of the only condo buildings (less than 3 if I recall correctly) in Washington, DC. Unfortunately, we lost that designation (first-time buyer programs are popular in DC and rely on that FHA-approval), so I was not able to get rid of it and have been forced to keep it and rent it out. Now, I have a house with a sloped back yard haha.

[@ShaheedahHill]

We have to get in where and when we can, I know the DC market is tough. Congrats on your rental, hopefully it is cash flowing well for you. 😊 on the slope. thanks for sharing

[@CC_7777]

Very helpful. Purchased my first townhome three years ago, which was 1 year old at time of purchase. It is FHA approved so glad to learn that tip. Goal is to purchase a single family home once mortgage rates get better and it’ll likely be a home at least 10 years old. Appreciate all the great tips in this video 😊

[@ShaheedahHill]

@CC_7777 Thank you for watching

[@The_Dancelegz_Experience]

Always learning so much with S. Hill!!! This video is useful for buyers and even when you decide to resell!!!

[@ShaheedahHill]

Glad it was helpful!

[@TJ-th9hw]

Just came across your channel for the first time. Great content! Thanks for sharing your knowledge with the world.

[@ShaheedahHill]

@TJ-th9hw Thank you for watching and welcome to the channel!

[@Honestly_Marie]

Straight and to the point, I LOVE it!!!!

[@ShaheedahHill]

@Honestly_Marie Thank you for watching

[@MissDemeanorOG]

So helpful. Thank you.

[@ShaheedahHill]

Thanks for watching

[@SweattEnterprises]

These days people are lucky to get any kind of home.

[@ElleBrOw]

You said it ✅

[@toyaflax]

True

[@tashaecnizil1615]

I know right

[@tashaecnizil1615]

I’m not even going to lie, those hood homes I used to look down at.. are looking really nice to me now LMBO

[@momoftwins8440]

​@@tashaecnizil1615😂😂😂, good people can turn a neighborhood around!!

[@TVluver2]

I never quite understand advice NOT to buy certain homes because of fear of resale value, especially when the advice is given to first-time homebuyers. The very same factors that are going to lower resale value when you go to sell, will reduce the price YOU pay when you buy the home. For many first-time homebuyers on a budget, a sloped yard or a master bedroom on a separate floor may be the very factor that lowers the price enough for them to afford the home. Unless you are buying an investment property, forget resale value and buy a home that you love, can afford, and want to live in.

[@ShaheedahHill]

@TVluver2 Thanks for watching and sharing

[@momoftwins8440]

Our builder was incensed when a man purchased a home in our subdivision and then rented it. Many renters are not vested in the neighborhood. We looked at a house & the backyard went straight up (slope) & some that dropped down like a cliff--no thanks to both!! We also declined a shared driveway. Back in the 90s, a realtor was so happy showing us homes with the mbrm downstairs with other bedrooms upstairs. As a parent, I didn't like that then & still don't like it. She said it was very popular. Well, I wasn't going with popular.

[@ShaheedahHill]

@momoftwins8440 Thanks for watching and sharing

[@yoyosmiles3690]

Million dollar advice!!! Thank you!! 😊

[@ShaheedahHill]

@yoyosmiles3690 Thank you for watching

[@missbttrsctch]

REALLY great points, thank you!!

[@ShaheedahHill]

Thanks for watching

[@ajwriter5699]

200K subs!!!! 🥳🥳🥳 Yayyy!! 👏🏽👏🏽👏🏽👏🏽👏🏽 Congrats, Shaheeda!!🥇 🥇🥇🥇

[@ShaheedahHill]

Thank you!

[@kittyboo2121]

This video was amazing & 100% accurate!! I’m currently living in one of the situations you addressed 😂

[@ShaheedahHill]

@kittyboo2121 Thank you for watching and I hope you are still enjoying your home.

[@kittyboo2121]

@@ShaheedahHill Yes I am, and especially the mortgage compared to today's rates & mortgages.

[@BeefromSC]

Great tips!!! I really didn’t think of most of these……thanks

[@ShaheedahHill]

@BeefromSC Thank you for watching

[@tanjeebrown9890]

Thanks for the 6 home buying tips 😊

[@ShaheedahHill]

No problem 😊 @tanjeebrown9890 Thank you for watching

[@lovelyone98]

Also, if possible look for homes with no HOA. Take into consideration property taxes. Some states have high property taxes and home owners insurance. You can Google which states have high property taxes.

[@karlanevermind2554]

Be careful of that unless you’re on a large plot. Or as long as you’re within a city ordinance.

[@Mr_Joseph979]

​@@karlanevermind2554what do you mean by your comment. I'm looking to buy on + 2 acres.

[@karlanevermind2554]

@@Mr_Joseph979 HOA’s add protected value to your property omits junk cars, unkept properties. From my experience, I once bought in a subdivision and it was on a private road outside the city limits and there was nothing I could do and I could barely sell my home because I lived next to a house that was an eyesore.. if you’re buy on acreage then HOA isn’t necessary

[@Mr_Joseph979]

@@karlanevermind2554 thank you for your response. I've been studying HOA history and habits. It's not for me. What you said about junk cars merits thought but not enough to get me into one. Thanks

[@karlanevermind2554]

@@Mr_Joseph979 just explore because there are a lot of variables to HOA. Some of the fees and dues are very very high. My HOA currently is very it’s like $100 a year because it’s a large community is why but it does keep up the upkeep of the subdivision, but yeah, just do your research and if it’s not for you, it’s not for you, it’s not necessary if there’s a city ordinance that can also protect your property

[@Dallas3212]

Hey Ms. Hill! Speaking of too many renters, I'm getting a small studio condo that doesn't allow rentals which I think is a good thing! Yes? So I'm looking forward to that!

[@ShaheedahHill]

Sounds great!

[@ShaheedahHill]

Those are typically really strong communities, but check the covenants for exceptions. What if you can't sell... would you have the option to rent?

[@Dallas3212]

@@ShaheedahHill Thank you for your response!! I don't recall seeing any exceptions for renting in the covenants; I would imagine that owners could probably at least rent to family from what I've heard (but renting to family is of no interest or option to me). My HOAs for my little studio condo is only 160 (yay). Hopefully this turns out to be a good low cost investment as I envision it to be! I'm done with paying rent! Lol.

[@kimberlymartin459]

​@@ShaheedahHillexactly. You may have limited buyers.

[@annettepennant5672]

Thanks Shaheedah for all that information and all that you do.

[@ShaheedahHill]

My pleasure!! @annettepennant5672 Thank you for watching

[@amgooder]

I have always wondered about roof styles...hip, gable...flat Should that be a concern? Cost.

[@connieryder2979]

A condo not being FHA certified may not be because of the ratio of renters to owners living onsite. Also, it is possible to get a single unit approved for FHA under certain circumstances.

[@ShaheedahHill]

If could be for many factors including owner occupany. "No more than 50 percent of the development’s units can be used as rentals or owned by investors. Most of the condos should be owner-occupied" - This is an FHA guideline. You can get spot approval however from the lender.

[@ezee7288]

Thanks for the advice

[@ShaheedahHill]

@ezee7288 Thank you for watching

[@saundrafoster8768]

Thank you, you have been very helpful 😊

[@ShaheedahHill]

@saundrafoster8768 Thank you for watching

[@beeblack2210]

I like Miss Hill she give great advice for free.

[@ShaheedahHill]

@beeblack2210 Thank you for watching

[@zabrinatheteacher]

Informative upload 👍🏼

[@jillh763]

What do you mean by credits in the buying process on AC, HVAC, and or Roofing? I’m now considering a SFH as a first time homebuyer. Also any updates on the BofA home buyer grant for first time home buyers?

[@ShaheedahHill]

I mean if you are paying closing costs, ask them to credit money to your closing costs so you don't have to pay as much money out of pocket and you can save that money toward future repairs or replacements. @jillh763 Thank you for watching

[@djwhulski]

Are there programs for first time home buyers that assist with down payments and closing cost in the state of Florida?

[@ShaheedahHill]

Watch this video and use this link, just put in your city and state: 🚩🚩🚩LINK TO PROGRAMS IN YOUR STATE: yourhome.fanniemae.com/calculators-tools/down-payment-assistance-tool kzbin.info1wbXthaTqM4

[@sherine596]

Dropping Gems... Thank you.

[@ShaheedahHill]

@sherine596 Thank you for watching

[@tysmith4339]

Great info! Thx!

[@sneakerladi8849]

Wish i would of had all this insight before hand i bought a townhouse with now a neighborhood that is going down due to multiple renters. My townhouse how is 16 years old 3 years in have replaced the roof , water heater, ac unit, furnace, fence cut down two extremely large trees on my property, upgraded all the kitchen appliances with stainless steel and now have a baby on the way and my townhouse is looking very small and the area now looks super trashy around the neighborhood with no HOA. I've invested so much, and I am scared that when i am ready to purchase my new home, i won't be able to sell my townhouse and be forced to rent my property.

[@ShaheedahHill]

Work with a agent when it is time to sell. Even if you wind up selling to an investor, you will be able to sell it. @sneakerladi8849 Thank you for watching

[@sneakerladi8849]

@@ShaheedahHill thank you for the insight

[@OGKennyLee]

I just bought a 124 year old home in Canton... whew... old houses old problems

[@VWonder737]

Thanks for all the helpful information.

[@ShaheedahHill]

@VWonder737 Thank you for watching

[@karenbowens4382]

Thank you for sharing.

[@ShaheedahHill]

My pleasure!

[@judep4372]

Good list!

[@ShaheedahHill]

Glad you think so! @judep4372 Thank you for watching

[@angelica7236]

Another great video !!!

[@ShaheedahHill]

Thanks for watching!

[@PaigevandenHeever]

Thank you, Ms. Hill, great advice - many I never considered.

[@ShaheedahHill]

Glad it was helpful! @user-uy5dk5yr5d Thank you for watching

[@brendacrawford303]

Thats so helpful and what is the problem with USDA its su h a long process

[@ShaheedahHill]

USDA is not that long, you can close in 30 days, unless you are doing USDA direct? @brendacrawford303 Thank you for watching

[@danabenson4125]

And with USDA, everything has to be accurate and on time. Any missing information will hinder the process. They are strict.

[@crqdea6654]

THANK YOU👍🏿

[@ShaheedahHill]

You're welcome!

[@janetgordon5034]

Thank you Mrs hill the video very informative ❤❤

[@ShaheedahHill]

You are so welcome

[@nalaamour]

The thing is many people start out as homeowners then years down the line, things change and they rent or sell their homes. So an area can very well start out as having more homeowners than renters and then that will change. Alot of things change over time, especially with new construction communities.

[@ShaheedahHill]

@nalaamour Thank you for watching

[@user-mm2gt8px8f]

Thank you for all your information it really helps

[@ShaheedahHill]

You are so welcome! @user-mm2gt8px8f Thank you for watching

[@naturalnikki8675]

Great video!

[@ShaheedahHill]

@naturalnikki8675 Thank you for watching

[@KeepitKrafty]

Thanks!

[@ShaheedahHill]

Thanks so much! I really appreciate the super thanks😊

[@chicagoextensions470]

Hi there! Do you have videos that may discuss these two things? 1. Buying a home with student loans that are under the PSLF program 2. Buying home as a single spouse (only one spouse buying the home)

[@malstarrainbow]

Your student loans will show your monthly payment on your credit report to all 3 major bureaus. You should make sure it’s right first before letting your lender do a hard credit pull. Then you need to take your debt (meaning student loans, credit card payments if you have it or auto or personal loan if you have that and add all of it together). You are doing this to help you figure your DTI. Debt to income ratio. So for example if all your monthly debt is $500.00 you’ll calculate $500.00 + 2,000.00 (just an example mortgage payment) divided by your gross monthly income. You’ll get your debt to income ratio. That will be an important factor in which loan you can approve for. So, if I just use this as an example 500+2000= 2500 Then Monthly gross income let’s say 6,000.00 You’ll do 2,500/6000= 0.41 0.41x100= 41% DTI Most loans want you at 45% and below. Hope that helps. And things like phone bill, internet, utilities are not debt payments. Things like student loans and auto loans or personal loans are figured. Just talk to your lender. I am going through the same. I got pre approved and I have PSLF loans myself.

[@farrahmathus3142]

Hi Mrs. Hill, I think my problem will be when I sell my home. I did not realize at the time that my neighborhood had too many renters. I was a first time home buyer in 2020. My fear now is when I sell which will be in about a year and half, I will find it harder to sell. I can see that the renters are not putting in the effort as the homebuyer and the neighborhood is not aesthetically pleasing. What can I do when the time comes for me to sell?

[@ShaheedahHill]

Well the good news is most people don't watch me so they won't even know to ask their agent about owner occupancy😊 but if you feel it is going to be a major issue, think about listing in the winter when your neighbors are mostly inside and vegetation is usually dormant. Make sure your home looks great, decluttered, and professional pictures, it will sell.

[@farrahmathus3142]

@@ShaheedahHill thank you so much for answering my question. I am a new follower and love your channel!

[@YasirBrown-xd9mh]

SALUTATIONZ AND APPRECIATIONZ PLUS GRATTITUDE GRACIOUSLY GATHEREDDD 💯 🔥 ✅️

[@ShaheedahHill]

@YasirBrown-xd9mh Thank you for watching

[@misscrystalann2081]

Hi Shaheedah, can you share your thoughts/predictions on the the direction with the housing market with the upcoming election? Hope that makes sense…

[@ShaheedahHill]

It makes sense, I will share on my lives in August Thursdays 7pm-8pm EST

[@misscrystalann2081]

@@ShaheedahHill thank you!

[@patriciawhite1298]

hello Shaheedah this is Patricia White, I was on your Live last night and you told me to reach you through email and I did. Do you mind giving me the Atlanta Realtors that you have in mind.But let me try reaching out to you

[@ShaheedahHill]

I hope you got my response.

[@patriciawhite1298]

@@ShaheedahHill Thank you so much,I have it, just ✅ checked💞

[@TheLovely990]

I purchased my first property that was FHA approved.

[@ShaheedahHill]

@TheLovely990 Thanks for watching and sharing

[@ItsMe-bm7fd]

Would u happen to know the difference between a condo and a townhome

[@ShaheedahHill]

It is usually how the community is organized, but if you own the land the home is on, it might be a townhome. If you don't own the land- the community or the association owns the land, it is likely a condo. @ItsMe-bm7fd Thank you for watching

[@Just_A_Guy156]

I couldn't agree more with the first one

[@ShaheedahHill]

@Just_A_Guy156 Thank you for watching

[@gailalston9805]

How can you determine if the community has alot of renters?

[@ElleBrOw]

@@gailalston9805 Homes.com

[@ShaheedahHill]

Watch this video, it explains - kzbin.info/www/bejne/gWPSlqpqbplob68

[@victorv123]

I heard that buying a home to live in is the worst investment. As an investment property...yes. When I had a house I would get the "amortization chart" and would flip at the interest vs equity I was getting. A ripoff.

[@ShaheedahHill]

@victorv123 Thanks for watching and sharing

[@HH-pp6hp]

Thanks😊

[@kimberly8858]

How do you know if a person living there is a owner or renter. And when some owner if the can’t sell at the time May or rent or turn in to an air b n b . How will you know before buying and you can buy then after purchasing owners will rent out

[@ShaheedahHill]

Your agent has software that will tell if the home is likely owner occupied, out of state owner or corporate owned. If you are doing it on your own, you can look at the tax records. Here is a video that I did that includes a picture from the software - kzbin.info/www/bejne/gWPSlqpqbplob68

[@vigorlilover]

I like the main room of the bottom floor. And if people don’t like them then more for us to look at lol. People probably just like the idea of their kids running back and forth over their heads. It will be like living in another apartment. 😂

[@ShaheedahHill]

@vigorlilover Thanks for watching and sharing

[@PYTU]

Public housing operates like that with there visitation rules. Making it hard for college students.

[@ShaheedahHill]

I didn't realize that, good to know

[@1sablelove]

50 is considered "senior"? 😭

[@ShaheedahHill]

It is usually 55 in most "Active Adult" communities. 😊

[@BigRedGal78]

𝟧𝟧

[@patrice2335]

Is it best to buy a new build? That’s what I want, Ranch style.

[@ShaheedahHill]

I did this video on new vs. resale kzbin.info/www/bejne/sHrZfmqtj82srLM @patrice2335 Thank you for watching

[@debbiesmith7723]

That you I learn something new

[@ShaheedahHill]

Thanks for watching

[@chrisybeautytv1298]

Not always true about a lot of people in the neighborhood the house are expensive despite a lot of crowded people

[@ShaheedahHill]

In more heavily populated areas where renting is more common, then renting is usually less of an issue, if you are in more of a suburban area, it can be.

[@chrisybeautytv1298]

I live in Newyork and the prices are very high……. Just to live on top of each other lol even homes too In crowded neighborhoods or suburban areas like Long Island.

[@saundrafoster8768]

I’m selling my house next year where are you? I want to move to the Tampa area or South Carolina. Let me know where you are.😊

[@ShaheedahHill]

I'm in Georgia 😊

[@saundrafoster8768]

@@ShaheedahHill No I want to get away from this heat, thanks

[@kaycee6036]

Im hearing the seller and credit a lot. What does it mean when the seller gives credit to the buyer?

[@tonyyero7231]

The Seller is giving the Buyer a "Credit" at the time of the "Closing." In other words, the seller is giving you money as a refund back to you for future repairs, etc. Sometimes it works sometimes not. Lets say you find the Water Heater will soon be at the end of life cycle, then you can ask the seller for a Credit at Closing a set amount u both agree on so you can use that money if needed. It comes off the total amount u are paying for the home as a buyer at the Closing.

[@kaycee6036]

@@tonyyero7231 Thank you!!

[@ShaheedahHill]

Well said! Thanks for answering

[@MoiraPraline]

@@tonyyero7231it’s so sad that you had to explain that

[@thebaggeek]

Wow you’re content is amazing 🤩

[@ShaheedahHill]

@thebaggeek Thank you for watching

[@lynneatee4455]

How do you make sure the neighborhood does not have too many renters when large investment firms are buying up a lot of the single family homes?

[@ShaheedahHill]

There are programs like Remine, that will show you the owner occupied properties and corportate properties on a map. Most agents have access to this and that will give you a good idea. It will be hard to find a community with no renters but 10-20% is usually reasonable. Many HOA's that have rental restrictions will keep it under that number. Here is what it typically will look like kzbin.infoUgkxREgBdYfyBLzRAsht7oul_OEaw5Gj1V-l

[@intromaster]

my house is on a slope...can you sell it?😮😢🏦

[@ShaheedahHill]

Is it in Georgia? Then maybe😊. But think of it this way, you bought it and somebody else will. You just have to find the right buyer and it might take a little longer.

[@faithn35]

No. 7. For new 1st time home buyers. 2 of my friends HOA went up from $600 to $900 in GA. Mine is still $600. We all bought new construction homes. We are all waiting on rates to drop in the next few years to purchase older homes with no HOA. Our homes are for our children to keep.

[@ShaheedahHill]

@faithn35 Thank you for watching

[@tears2040]

Most new communities will always have some form of HOA, nothing you can do to get around it. Issue I see is yours is kind of expensive currently, while many are in the 2-$300 range

[@ElleBrOw]

Whew those HOA communities are nice in the beginning. However oftentimes they increase as amenities are completed ie pool, dog park. Good luck

[@etoyachanel4539]

Somebody don’t have children…. I have always wanted my children way on the other side or upstairs….

[@ShaheedahHill]

@etoyachanel4539 Thank you for watching

[@Deedior539]

Buy what you want and what comforts you in any neighborhood stop telling people where to buy I'm tired of all these bloggers doing that

[@ShaheedahHill]

@Deedior539 Thank you for watching

[@vparris492]

You must be bored. ALL bloggers extend advice and expertise! Choose wisely! 😍

[@SisterDisruptor]

Main floor living needs to be considered if you want to have the home forever. People dont think about it but we age and have accidents. If you have mobility challenges (even a sprained ankle) stairs will be a headache...even your pets get older and having stairs can really make living difficult

[@sheenahammond1442]

At 40 I think about that now. My mama always says your gonna grow old so buying a 2 or 3 level home is nonsense

[@Dr.JHIrons]

👍🏾 thanks

[@teddyupshaw6838]

💪🏾⬆️💯🔥🔥🔥

[@ShaheedahHill]

Thank you

[@Joy2theworld24]

@ShaheedaHill my agent's commission needs to go to you with all of the pearls you drop. Your clients are blessed because you look out for their best interest.

[@ShaheedahHill]

Thank you so much and I appreciate the support. I'm sure you have your agent on their toes😊 Best of luck with the homebuying journey!

[@lavondabonds5955]

Thank you for the great advice.

[@ShaheedahHill]

You are so welcome!

[@angleazero1275]

Thanks!

[@chicagoextensions470]

Hi there! Do you have videos that may discuss these two things? 1. Buying a home with student loans that are under the PSLF program 2. Buying home as a single spouse (only one spouse buying the home)

[@ShaheedahHill]

I have a video on buying with student loans, I did an update on this that will come out next Tuesday, but it is basically the same info. My student loans were forgiven with PSLF as well, so I understand. I touch on buying a house with only one spouse in many videos but not just one video dedicated to that topic - the main thing to remember is you cannot use a spouse's income without using their credit. So if they are not going to be on the loan, they will only look at your income and your credit. You can add them to the deed/title after you close. However, if you are trying to use down payment assistance, they will look at Household income, even if your spouse is not on the loan because there are generally income restrictions with most programs. Student loans - kzbin.info/www/bejne/r6bRooqsZt18i7c Married Buying a House - kzbin.info/www/bejne/embJl4ifip2io9k

[@chicagoextensions470]

@@ShaheedahHill thank you!

[@carmenrose6440]

Thanks!

[@ShaheedahHill]

Thank you so much!!!🙌🏽🎊💖