Ask Me Anything - One Hour of First Time Buyer Advice!

[@phy11isprice81]

Was a Senior ( first- time H H. )Ty💓for all your info...seekers don't forget Coumty Grants..

[@ShaheedahHill]

Thank you and congratulations!

[@charnamosely372]

Please hit the Like button

[@barbarasaunders2160]

If I pay 80% down payment on a house, does that mean I have 80% equity in my house?? I plan on asking my lender can I get a complementary refinance. What are my chances of that happening?? I have excellent credit and a 80% down payment......to get a 7.5 interest rate is ridiculous.

[@ShaheedahHill]

If you are putting down so much money, can you just buy a lower cost house cash? How long will it take you to pay off the 20%, you may not actually need a mortgage, see if there are other optiions that may be more affordable.

[@barbarasaunders2160]

@ShaheedahHill I'm already in the buying process. I have to put a large down-payment because I'm retired and won't qualify for a large loan. I didn't find anything I liked at lower prices. So by putting the large down-payment does that mean I'll have 80% equity? And have you ever heard of a complementary refinance?

[@craigburton9133]

@@barbarasaunders2160 Usually when you have a lower loan amount the lender pricing is higher with a low loan amount. What is the loan amount of the 20% LTV.

[@MassanLending]

You may also do longterm comparison of rate buy down since you have the cash. Buying down the rate will save you money in long run.

[@tifahsencouragingwords6]

Hello how do I get over the low credit score hurdle I think that’s what’s holding me back.

[@ShaheedahHill]

Start working to improve your credit, usually a 620 or higher can get a you pre-approved. kzbin.info/www/bejne/aoK4aJpsfrhqeLM

[@antonioclark7708]

Does your lender find down payment assistance programs for you or do you apply for it separately?

[@thepeopleslender]

I help my clients find DPA so they know their options

[@antonioclark7708]

@@thepeopleslenderI’m currently looking for a 3rd quote. What’s your information? I works nights so my replies are random times.

[@antonioclark7708]

Found your page going to watch and see what your talking about will reach out Thursday or Friday?

[@antonioclark7708]

Do you service in Ohio?

[@ShaheedahHill]

A combination of the lender and outside research because not all lenders participate in all programs. Watch these videos: kzbin.info/www/bejne/pqWmZIdpp9RorJo kzbin.info1wbXthaTqM4?feature=share

[@chrystalsimmons]

How do you realistically determine how much house you can afford?

[@ShaheedahHill]

kzbin.info/www/bejne/iWTKnXWrm5eZiNk Watch this video and then this video: kzbin.info/www/bejne/bprWk2Vparqpa9E

[@DailyPayWithRita]

Hello Shaheedah, I appreciate the knowledge you give us. I have an issue, we are getting a new build built from the ground. Im in the Facebook group for this community and there are a few pole in the group that is saying really bad things about their new build. My question is, should we consider what they're saying in the group, we aware it is only a few ppl in the group and this is a 400 home community and we are aware that we won't get our earnest money back. It is just so frustrating to hear the stories. yes we did research the builder prior and all builders in our area have bad reviews and good reviews, just stay out of the group!!! thanks

[@ShaheedahHill]

I wouldn't worry about it too much, everyone is likely going to have some issues, make note of what they are complaining about and make sure you bring it up during your private home inspections. You can get 3 inspections, before the slab, before the walls go up and then a final inspection. Get at minimum the final for peace of mind. In my masterclass I have a sample final and pre-drywall inspections.

[@ShaheedahHill]

Thanks for watching! Avoid Costly Mistakes by Buying My First Time Homebuyer Masterclass and Digital Confidently Closed Handbook - bit.ly/47s4pT7

[@randomconsumer198]

I highly recommend following some inspectors on social media. They teach you a lot of what to look for with new builds. Better safe than sorry.

[@randomconsumer198]

Cyfihomeinspections is a good one

[@randomconsumer198]

Also gold.star.inspections

[@brendawilliams1975]

Could you do a video on what to expect after a house is bought? Fees etc

[@ShaheedahHill]

kzbin.info/www/bejne/r3jCZ6OIbdWnoac This is my video for after closing and here is a video about your payment possibly increasing - kzbin.info/www/bejne/gX3XknuOrrRljqM

[@brendawilliams1975]

@@ShaheedahHill thank you

[@Lovcavs]

Would you mind attach the videos you have on offers? Thanks

[@ShaheedahHill]

kzbin.info/www/bejne/jqHXoZqMfLmlhas kzbin.info/www/bejne/q6XMqWqLbK2XfKc kzbin.info/www/bejne/bn2uinaCjbCHrsk kzbin.info/www/bejne/b4KafmeOj8aFY9U kzbin.info/www/bejne/rnucZWmVp56Zp9E

[@Lovcavs]

@@ShaheedahHill thank you

[@mprrx]

Can you add to the title shady buyers as well.

[@ShaheedahHill]

@mprrx Thank you for watching 😃

[@ladyleo7902]

As a first time homebuyer, I would like to buy a duplex. I've heard it's the same process as buying a single family home. What's your opinion on this?

[@ShaheedahHill]

It is a simlar process, here is a video that I did on buying a duplex kzbin.info/www/bejne/nqmwo5enrq-kptE

[@amanueltesfai1281]

Why loan is transferred from one company to another? And who gives you the name of the company transferred I asked my loan officer they don’t care after closing

[@ShaheedahHill]

It happens to probably 90% of loans after closing. Usually, your lender is not in the business of servicing the loan. So they transfer to a loan servicer, none of the terms change. However, there is a lot of mortgage fraud, fake business will tell you, your loan has been transferred when it has been not. Always verify the new company with the lender before paying.

[@chibbihime]

Sellers wants me to release earnest deposit before closing to fund move out cost😢

[@ShaheedahHill]

Very weird, don't do it. @chibbihime Thank you for watching

[@eugenesmith3611]

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[@AsansolVloggerSraboni]

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[@ShaheedahHill]

@AsansolVloggerSraboni Thank you for watching