Do Not Buy A House Until You Watch This Video

[@neutralsportsfan17]

The best time to buy a house? When You are ready.

[@deehope9477]

Lol love this one!!

[@rustedflakes1136]

hell yea! im ready!🤙😎

[@propertypointers]

I was about to post the same exact thing. When people ask me if it's a right time to buy or sell. I always respond, "depends on YOU".

[@melouellette251]

I was ready to stop paying an ungodly amount for rent each month. Even though homeownership comes with its own costs, it was worth it to me.

[@jayc4715]

Ugh....no

[@rjordan102]

The only person I trust on KZbin now talking about the housing market

[@mony1852]

Seriously, everyone else are just brainwashers saying everything is fine and it’s good to buy. When it’s not 👌🏼

[@justSomeUserOnYT]

​@@mony1852 If it isn't good to buy, I ask myself how I managed to purchase a perfect home that was at a completely normal price? Oh that's right, not every single city has the same housing issues, and a lot of markets are completely normal. The only thing in my market was that houses were going quick. Just get the first offer in at value, and chances were you'd get it.

[@mony1852]

@@justSomeUserOnYT very true! The market where I live has been crazy! But I’ve just been patiently waiting while saving to see what happens 👌🏼

[@taroman7100]

Javy is a great discovery. Love his delivery and his voice.

[@theone9265]

Javier is the TRUTH

[@waterheaterservices]

Just my observation over several decades; every one I know who bought a house and stayed in it for years has come out ahead in life. Renting is paying a mortgage, for the owner.

[@craigman7262]

exactly. The problem is everyone wants to buy real estate to rent out but the problem is the market volatile now. But if your buying with the intentions of actually living there then you don't really care what happens because you still need somewhere to live and your rent AKA mortgage is fixed thus you always come out ahead cause inflation.

[@GarrusN7]

Yeah that's the thing he talked about. It used to be that way but now and going forward it's not a sure thing a house will be a great investment.

[@Erintii]

Precisely. I prefer to pay own mortgage.

[@msure3367]

Back in 2017, I planned to buy a house in 2020; I closed yesterday. Bought a move in ready home, in a good neighborhood for a fair price, payments are less than rent. People should buy when they are ready, you know when you know. And yes, #1 thing is you must have your money and credit straight.

[@starchelseybrooke]

Yes!!

[@shallowlove9507]

Thats what I'm looking for. Pyments less than rent. I just want a place to live where I don't have people telling me what to Do with my house.

[@jermainemarshall6819]

@@shallowlove9507 don't move into an HOA then

[@shallowlove9507]

@@jermainemarshall6819 looking for that too! No HOA bull... If it's my house why should someone tell me what color I should paint, what additions I want to make etc...what to have what not. None of their business

[@esme9455]

What State did you buy? Must not be in Cali for sure

[@melouellette251]

Just bought a house a week ago, but you better believe I’m still watching every single Javi upload

[@NymeriaDT]

I bought a few months ago and still watch. Need to stay abreast of changes.

[@LP2488]

Same here bought one in October and still watching

[@valgreenist]

Same here 😂

[@Pixiecut75]

Congrats, same here

[@Brandonakabday]

Feel that signing tomorrow and will still watch

[@TM-np5lq]

What a great video! Javier is so personable and engaging, and the emphasis on SELF RELIANCE is SO important! This is funny, well-produced honest, and helpful.

[@GabrielHernandez-bs3tc]

I lost half the value of my house in 08 and the economy wasn't half as bad as it is today!!! Good luck to those that bought recently.

[@isaacklostermann3936]

I just bought and don't need you luck because we plan to stay for decades so the short term doesn't really matter.

[@GabrielHernandez-bs3tc]

@@isaacklostermann3936 Congratulations Issac. Hope thing turn out better for you, than they did for me in 08.

[@jer71131]

Very true comments. I was the naive buyer that could not get anything. Finally bought my house by offering way over the asking price on the first go-around. FYI, I’m in the greater LA Area market.

[@coast2criszy]

You are so right about the discrimination against FHA buyers we are using fha but we're paying for everything no assistance and paying our own closing costs we put an offer in on two houses and within minutes the 1st one turned us down for a conventional the other houses accepted our offer with joy long story short the 1st house ended up calling my realtor later that evening asking if we're still interested because the conventional offer changed their minds 😆 NOPE and the house is still on the market 8 days later 😋

[@nikosavage1111]

It’s definitely a very personal choice right now. I’m in South Florida and pay 23k a year in rent which fkn crazy. I’ll be buying for that reason alone.

[@taroman7100]

yep, get the down cause renting is a rip off. It is not the alternative we used to have.Been there many times with renting.

[@sandersc85]

Feel your pain man.... im in SFL too

[@waterheaterservices]

Colorado, paying in rent per year what would buy a modest house in some states. Nuts.

[@betruetoyourself7162]

@@waterheaterservices yeah I feel you. A couple working for Australian military was renting a huge 5 bedroom house for 4400 a month. It is near me so not in a great/prestige area, but the house they rented was new

[@diamondunicorn2421]

But you don’t have to pay for maintenance of the property your renting.

[@mguarino28]

Javier I love your channel. You're 100% right about not buying a house unless it's a long term thing. People can't do simple math to calculate all the RE fees, transaction costs, etc. that come along with buying a house and even the cost of moving itself. Not to mention the time, cost and stress of buying and moving. They say there's a 5 year rule but in this crazy market, I agree it's a 10 year rule. If you don't envision yourself in the house for 10 years, you have no business buying. My next door neighbor just sold their house for $15k over appraisal, and it would've went for more if the appraisal had held up higher.

[@CoCoa_Goddess89]

I love your honesty and education you provide in your video’s! I live with my parents and have been saving and improving my credit for years. Everything that’s going on right now I’ve decided to hold off until the crash 💥 what goes up must come down. Thank you! I

[@MelvinFuentes]

JAVIER! Just found your channel a week ago and im so glad i found your channel. You're super funny XD and provide really good information!!! i hope you keep making videos! dont stop!!!!!!

[@JavyVidana]

Thank you Melvin!

[@JuanGarcia-rh2sx]

Bravo!bravo! You kept it 💯% real. Me and my wife was screaming “preach Javier!” 🔥🔥 we are a true example of why we decided to wait. The house of are dreams got snatched away because my offer was not aggressive. Someone offered 10k more then me LOL unreal, but we took it on the chin and said we will catch it on a better price 🙏 thanks for the video.

[@maryherbivorre3393]

Thanks for being real. Not a lot of realtors out there like you. Glad to know there's honest ones out there.

[@marsmons2118]

Thank you for being honest about the savings! I’ve had realtors look at me like I’m crazy when I say I’m aiming to save 20% down plus closing, repair costs, and emergency buffer. I want a place that I can fix up to my own tastes and have paid off in 15 years, then roll that emergency fund into retirement!!!

[@marsmons2118]

..... that being said, would someone like to give me $20k?

[@terryprice6665]

Thank you so much for your honesty. It is amazing to see how many sellers are selling based on greed opposed to helping out their fellow man. I am in the market to buy a home, however I am not a first time buyer, however buying in the market today is out of control. I don't worry about me because I can handle my own. However, It is so sad to see families that have saved for years stepping into the market for the first time and getting doors shut in their face repeatedly. I love the stories about the sellers who considered the buyers personal letters and pictures and went with their hearts instead of operating out of greed. God bless those sellers who see the value and honor of a family being able to purchase their very first home and giving them the opportunity to do so.

[@grafite9238]

I delt with a different seller. I liked the house, so I offered listed price. Next thing I know we were asked for last and best offer. So i sent a heartfelt letter telling him that I gave him all i had but if he took my offer the value would be priceless. He went with another offer. The town then increased the taxes so the accepted deal didn't work out. I put another offer and he again went with another person. My realtor is still hopefully but I told him that I may not take it if he finally agrees if his new deal falls again. But yeah, greed is definitely what is driving a lot of sellers. I gave him the asking price but he used my offer to pressure other buyers.

[@grafite9238]

@@DIVISIONINCISION Yes I agree, but there's a point of diminishing return that he's crossed. Waste of my time, my realtor, his agent. Now he'll have to wait until until next year to process this tax sale and by then the new administration may not be so kind to business owners. Money doesn't change yr character, it puts a spotlight on it.

[@terryprice6665]

@@DIVISIONINCISION so all business deals should be conducted without thinking about the other person and/or helping another person out so both parties can win? All money ain't good money!

[@dmontes4192]

I’ve been saving to buy a house in a nice area I have outgrown mine. However the prices are crazy and people handing over 5 or 10k cash over value are not thinking with their brain. The bank is literally telling you the house is not worth that much. Then your gonna be stuck with a over valued house with high taxes and insurance. That’s why they say patience is a virtue. Because when this very insane market crashes I’m not gonna buy a house I’m a gonna buy a few. They keep saying now is the time to buy interest rates are low and that couldn’t be further from the truth. Interest can always be refinanced but you can’t refinance the purchase price.

[@FallenTreeNation]

😢

[@AndrewMoMoney]

I was actually JUST about to get qualified on a loan, glad I subscribed

[@ztigris]

I have made so many notes from his channel and Shaheedah Hills channel. Great education

[@simonsayshi]

Not a bad idea to get pre qualified . The perfect opportunity is coming and for people that can truly afford it . It is also a great time to buy as long as your not looking at this as an investment . This is a home

[@simonsayshi]

💯 facts he is speaking . As a mortgage processor and mortgage modifications specialist. I tell people all the time. Don’t let no one tell you when is the right time to buy. Take care of your long term goals . I paid off all my debt instead of buying last year . No one cares about you .. facts

[@paulettepoole5476]

@@simonsayshi Are you saying the perfect opportunity is coming in the future? You also said it's good now. Which one?

[@simonsayshi]

@@paulettepoole5476 everything depends on you and what you are looking for. If you can financially afford the house that means the payment is 30 percent or less your housing to income ratio then that is a safe bet you can afford the house in the event of a market crash. The rates are so low that it may make sense for some. Now when the market crashes the house prices will go down but the rates will likely go up . How much that is to be determined. .. like he said find out your long term goal .. that’s a real important step. I have had relators trying to tell me the right time to buy is now for the last 4 years. Even tho they know damn well it wasn’t the right time for me. I had to file bankruptcy and even tho I picked my credit up fast they were like you can refinance later. Trying to get me to lock into a 9% rate when the market was at 3%. I decide to pay off all my wife’s and my debt in 1-2 years. Now I’m in a better situation. In short the point is that you have to do what’s best for you . So do your homework many don’t understand that a house is the biggest financial obligation you make and it can be the difference in a happy life and stressed life

[@simonsayshi]

💯 facts he is speaking . As a mortgage processor and mortgage modifications specialist. I tell people all the time. Don’t let no one tell you when is the right time to buy. Take care of your long term goals . I paid off all my debt instead of buying last year . No one cares about you .. facts

[@victoriagarcia5533]

I prepared for 2 years before we bought a new home and we had 40% down payment. But, I wanted to pay off everything.

[@mirandam5746]

Damn where do u live

[@victoriagarcia5533]

@@mirandam5746 Near Austin tx, but we owned a home for a while that appreciated greatly. Sold it, paid off debt, then bought a new home.

[@NgocNguyen-qy6oj]

I agree. Depends on your life priorities. If you need to stay and you don't care about the value go down than go ahead and buy it. Either way the market won't drop like like 2006 to 2008. What ever it is be very prepare for your financial and tax returns. Lenders are very tight with loans. It is not that easy as before. If it w2 than it is not that bad. If you are a business owner. Good luck prepare your profit loss and balance sheet. Comparative 2019and 2020 business trends explanations

[@NgocNguyen-qy6oj]

Due to the pandemic under writer will ask you alot of questions for risk mitigation

[@sergeibratkov4304]

I want to buy a home 🏡 But prices are way over inflated, You make a great Thanks

[@tomcannone9875]

With the news reporting that nearly 20% of the workforce is unemployed at this time , and folks are leaving big cities for the suburbs I believe that we should stop for a breather. Eventually the market will settle down and prices will return to normal. First time buyers migrating from the cities and the apartments they have lived in are in for surprises such as real estate taxes, home repair, high power bills and fuel bills. These as well as commuting fees to their city jobs.

[@tellthemjoe100]

You know what porkchop, I like your honesty and I wish ppl would be more like you

[@ab.6031]

😂 porkchop. 😂😂😂. Priceless

[@richierick96]

That’s fucked up man 😂 why you called this man pork chop?

[@tellthemjoe100]

@@richierick96 it all love, he doesn't like being called buddy so I gave him a nickname porkchop hopefully he like it

[@SNoel-lf5ol]

Javier I appreciate your honesty, thank you so much.

[@charlesmosquera6279]

Javier, another excellent video. It is absolutely true that pretty much everyone in the world of sales-any type of sales-has their own interest in mind. As a Realtor, I always speak to clients in the same way you do. I put their best interests first and only. It doesn't matter if I make money, because at the end of the day, when people realize that I am truly working in their best interest, there is a huge bonus for us, faithful clients who know that we are telling the truth.

[@TheHeadliner08]

This helps me a lot. It was never my goal to buy a house. I’m a single woman and don’t see the need for a whole house. However, I’m 31 now. I’m tried of my rent going up every year and moving all the time. I want a nice home I can grow in. Have family visit and all that jazz. I’ve been doin mg a lot of research and a lot of people do try to talk to talk you into buying because of the “investment” and it being “cheaper” than rent, which I strongly disagree. I’ve learned that if you don’t ultimately put at least 20% down you get charged an extra fee on your mortgage for mortgage insurance. I a lot of people think that’s the same as home owners insurance but it’s not. I’ve been going back and forth with people but they just don’t get it and these are HOME OWNERS! So I do feel like I’m ready to buy because I want something long term and willing to purchase a fixer upper to make it my own. But I know that will take me some time even if I get down payment assistance. I want to know I have that savings available. My # one issue is I don’t want to be house broke!

[@bhnurse16]

I hear you! I got divorced during the pandemic and moved back home and am saving money for a big down payment for a house vs renting. I'm 27 but I feel like if you want a house, go for it ♥️ Good luck to you!!

[@cindysuebunch]

U r right!!! Everything u said. I want a home for my disabled children.. The amount of money needed is a lot. U really got 2 plan this stuff. It's not going 2 b easy that's 4 sure.

[@elizabetholwen7956]

Thanks for the tough love! Your videos are super helpful and smart.

[@brent1041]

We live in the Minneapolis/St. Paul area. We are having a new construction house built. The market is crazy. 30-60K over asking is what most houses are going for. We understand and are ok with the market uncertainty. After we close we will still have a year’s worth of living expenses in savings. And are buying way less than what we are approved for, 490K instead of the 1.3million we are crazily approved for. It’s abatable to anyone as long as you put the work in; stop making “normal”/stupid money decisions, get out of debt, live below your means, and save. You’ll get there in time, it’s ok to rent till your ready. That’s what we did.

[@emi.lastname]

Your continuous honesty is why I subbed. Keep it up 👌

[@tiffanyglasper1707]

reality check - thank you! this information is important and helpful. Many of us want things now, honestly the best way to receive is to have a plan - most of the time. It is important to calculate the process so in the end we know what we are getting - there is peace involved :)

[@learningtogrowinChrist]

"It doesn't work like that sweetie" 🤣

[@kitttpaniagua8226]

Thank you for being transparent and honest

[@billymonroe9574]

This is the second home buying video I watch. Thank you for your brutal honesty, we need it

[@emanuelrouse5128]

Love your videos. You drop facts and give people the truth.

[@javiervidana9]

🌟Thanks for commenting :) I will advise you invest in bitcoin now and gain profit of $ 35,000 in two weeks.... Text my my expert Cynthia Edna mchenry on what app messenger

[@javiervidana9]

🌟 *[phone]*

[@Tampa2Enjoy]

It all comes down to finding an honest and knowledgeable real estate agent. I told one of my best friends 2 months ago not to buy a house I think the market will crash this year and I advise not to

[@ShreyasBharadwaj]

Thanks for the honesty

[@Em-li5bk]

Thank you for being so honest and open! I have been watching a lot of videos on buying and they all make it seem like it’s the easiest thing when I know I’m getting lost and confused! I know I can trust you!

[@goabego]

Your honesty in your last few videos won my subscription. Not that it's worth very much but there you go. :)

[@goabego]

Don't listen to this fake ^^^

[@goabego]

Not the real Javier

[@JavyVidana]

Omg...

[@jlarson6148]

Straight talk, and good advice. Thank you! Personality kept the video interesting. Not an easy market to shop in.

[@bryang3044]

Wow, God bless Javier! The most genuine person on the internet, hands down. Awesome video bro, thank you.

[@ellesie8121]

dont talk bad about urself. u are educating so many ppl through ur channel and it’s a beautiful thing to give to the world

[@roxannelang8309]

Exactly.. people need to know when and where they want to live.

[@sunnysol29]

I think you are super real. thank you for speaking and sharing your knowledge.

[@keekeec1013]

Umm yea I’m scared... I’m just going to throw my home buying dreams out the window unless I hit the lottery 😬

[@hungr4anime]

new subscriber thanks to this video! i love the truth and i love your honesty!!

[@stormeditz46]

Dude, my 12 year old and I watch your videos and crack up. You're hilarious, wise and thank you for the insight

[@LauraMartinez-nd4lr]

Thank you for being honest! As a first time home buyer this is exactly what I need. Sometimes you just have to face the cold hard facts.

[@NJHeart2Heart]

Remember - another important scenario - especially these days - is couples with no kids and aging parents. LOVE your truth telling about finances! If more people followed your advice, we'd have a lot less bankruptcies the last 20 years.

[@sandrasolorzano7016]

Wow you are rightttt on!!! And with a sense of humor! Good job. I agree 1000%. Thanks for the video!

[@catholicfran]

This is the best and honest advice. We just refi'd and we had that "savings" padded up as he said and even then it took longer than expected even with great credit. Owning a home isn't for kicks. You have to have several sinking fund accts. You need a house repair fund, a personal emergency fund, a "escrow shortage fund"...so many funds🤣 bcuz when things breakdown YOU and only you are the landlord.

[@michaelkay3565]

Love your channel the best. Knowing your in Arizona im on east coast there doing same thing here sellers market starting to dwindle down. Appreciate all yout help

[@SoWyo7st]

"Hello 911?? My neighbor wants to buy a house please hurry."

[@pens2009champs]

?

[@brothertn708]

Are you sober son?!

[@alcnwonderlnd]

I agree about the closing costs and down payment assistance..My agent was telling me about condos (Houston) that were being lost due to using a FHA loan. I also didn’t ask for closing costs just to get my place under contract and avoid being passed over..I was planning to wait but this will help me in the long run and is a long term investment. Best of luck!

[@andrewjcalhoun7865]

But rent is too GOTdamned high!! - Jimmy McMillan 🥺🥺🥺

[@taroman7100]

It soooo did! it used to be an alternative to buying or a way to save for a down but its outrageous and barely a long term option.

[@chocolatte8301]

Thank you for this truth!

[@DiegoAlvaradoRacing]

I Seriously don’t know what I would do without your informative videos

[@hendryjnunez2601]

Great video man! My lady and I worked on our credit, we are expecting our second child, we need more space. We are in it long term even though our dream was to move to Florida we are going to stay put in NY and buy our first home. Excited and nervous but also motivated. Also my parents will be moving in with us as well, babysitters ✅ 😊 It is fun looking at houses and designing it in your mind 😂

[@edgardlopez1519]

Well I bought a house and made close to 100, 000 dollars. Why because I buy houses that are under 50,000 dollars clean them and worked it with”gusto” and then wait and sale it. You can do this know or anytime, you won’t loose a penny but it most be 💰 cash!

[@Ariel_2211]

I truly appreciate these videos, and the knawledge you are dropping!

[@lahndee2020]

what a great delivery. I enjoyed this THANKS!!

[@Ascorbicon]

You just told the truth and I respect that. Congratulations you’ve earned a new sub!

[@JoshBearheart]

One thing, VA buyers are not asking for a handout, they served their country and put their lives on the line to earn the VA home loan that people are looking down on.

[@truenorth2977]

Wow! Thank you, Javier- realistic, valuable, straight info- I will be a first time buyer, and I've subscribed.

[@janereinhardt4715]

But prices are so low in the Phoenix area that losing half would not be a huge deal. Especially if you are buying in the same area for 50 percent less to replace the house that you sell for 50% less. It is all relative.

[@janereinhardt4715]

That's what they said about my Orange County, CA house about 5 years ago when it was worth about $500,000. I sold it on Sunday for $830,000. It needs major renovations.

[@machineslave3]

Javi, keeping it real. Hope you and the family are doing good.

[@SeriusQne]

...appreciate you man, all the way from Philly...thanks

[@cryptocapitalist-1]

You're the man, Javier. I appreciate your insight. Thank you for these last two videos.

[@TaraHower]

Your edits are my favorite

[@philobailey5627]

Very good information. Thanks

[@stanleykowrach1957]

Cheaper to buy , then rent. People are buying run down disasters and then the building inspector says " this is how much $ cost to fix up ". They cancel and join the bidding war to buy a decent overpriced house in my area.

[@patsycastanon2246]

Thank you for being so informative.

[@Miaonroblox]

VA home loan is no down payment. And I guess that’s why you buy your forever home love the area schools etc before you buy

[@5622-n3n]

Straight up no chaser, thank you for truth👏👏👏

[@blessedhighlyfavored7263]

Appreciate the words of wisdom that I can use. Thanks and God Bless.

[@MoralesBrisco]

Thank you javi for your input. I APPRECIATE your videos

[@medlc8497]

We just signed a contract on a for sale by owner last week. Luckily I found the house on Facebook Marketplace so we were able to establish a relationship with the owner and avoid much competition. We really needed a house so waiting was not an option. We are receiving $25k in closing cost and repairs assistance. The housing search took us over a year but we are so glad to have found a house even during this tough market. Rent is expensive where I live and we are not planning on selling the house so it is still worth it to us. We went for a small house so that payments are very affordable.

[@tatianapak6609]

Thank you for honest videos! Love them:)

[@Javservice]

How think look right now. I would not buy a tent in Walmart.. hell no.. as the matter of facts I just sold mine before this shit tanks and I lose all my equity..

[@tazyboy28]

People dont want to be told the truth because they will have to face reality. People dont want to face reality. It hurts.

[@LifewithShamanda]

Sooo true!! I’m so glad I’ve decided to wait!

[@francita0076]

My sister is dating her realtor and he is saying NOW is a good time to buy🙄

[@JavyVidana]

It’s because he needs that money to buy her a diamond ring 😂😂😂

[@ronswanson76]

🤣💩🤣💩🤣💩🤣💩🤣

[@handee_maam]

Javier Viana We are trying to qualify for the house we are currently renting. We will be using down payment assistance. We plan on living there forever. Do you recommend we buy or wait?

[@davidsummit9851]

Be careful

[@gotit775]

@@handee_maam I realtor in Los Angeles area and I advise people if they do buy not to pay more than 10% of what the they are paying for rent. If possible even less. And if you’re looking for a long-term it’s the best way to look at it not it’s gonna make you a quick buck in 2 1/2 years. Good luck!

[@luismorales8164]

Great video Javier! Good information, thank you!

[@Dguallpa98]

I own a house and everything Javier said is true. I did not do my research on my house or the neighborhood in where it is , although I was financialy prepared and did not require assistance, other factors definitely play a role in owning a house. The condo I live in is not a long-term place to be in. I'm finding that out the hard way. Never again. Guys and gals, please don't be like me and rush into a house.

[@sharoncatherinebrown7000]

👏🏾👏🏾👏🏾👏🏾👏🏾👏🏾👏🏾Thank you! Excellent!

[@Jtx-lp4yi]

There was a house in the area I am looking that went 60k over list price.

[@esskay8768]

Good Info! Gracias Caballero!

[@roxannescott6956]

Thank you so much for this info I think I was rushing into a house too with not enough savings but God knows I wasn't ready so when I applied for a mortgage with a cosigner God said nope you not ready and i didn't get it😩😪

[@sanchez.lawyer7456]

I love what you're saying. Keep it up.

[@Calikingdray]

🙏 thanks Javier!

[@paulkent2219]

Never buy a house to make money now or in the future. Buy because you want to be in that house & community for way more than 10 years. Nothing wrong with renting.

[@calves93]

Great video!

[@nes9262]

Thx brotha! Subbed

[@komradkyle]

Dayumn Javier throwing it down. Yeah I second that extra savings accounts. No idea about Appraisal cost, Inspection I knew about but together that was a 1k upfront + the option fee, and title fee so a lot out of pocket. And also should have had 1% of home value for repairs.

[@arcoiris350]

Thank you for this video :)

[@lyndashelton1]

Great video as always! I see you have your Holiday deco out on the table.

[@GApeech08]

Closed at the end of last year, new build, 2,500 sq ft, under 300K, Georgia, VA Loan. Its possible, but I get it. God's blessing.

[@itstheweather642]

People think the refi option is always an option when they don't having savings. Not anymore.