FHA Loan Requirements (NEW And Complete Guide)

[@JavyVidana]

*The BEST video on FHA videos EVER made in the Universe, Metaverse, whateververse PERIODT.* Also shout out to anyone who noticed my sweet photos in my background.

[@mieeshac6545]

Whateververse! Love it

[@austinkelley3570]

Big ups- although the pictures in the background are rly blurry 😂

[@MrWade163]

I JUST went into contract and both of you are great!

[@247BarlowFamilyFun]

Looks like Kyle might owe Javier an advertisement check. LOL. Great stuff as always Kyle.

[@HEARTAEMOXA]

You two are my favorites. Kyle is so calming and you got the playfulness and you're both so knowledgeable, seeing you two interact is like seeing the avengers.

[@YouKnowYouuLoveMe]

I bought a home using an FHA loan last year with credit scores of 581, 586, and 619. I used Rocket Mortgage. Finding and getting approved for an FHA loan was not difficult, but having an FHA loan complicated things a lot. Finding a house that I liked that met FHA requirements was hard. I had wanted a condo but no condos in my area were FHA approved, so I changed my search to townhouses. I was originally approved for a mortgage in mid July, found a house and made an offer in August with closing date set for September. But the home did not meet the FHA appraisal standards due to the life of the roof being

[@Yahsbelovedgem88]

I been seeing Rocket loans and thought it wouldn't help me. Now Imngoingnto apply! Thank u Sara

[@Yahsbelovedgem88]

Praises to Our Father! Congratulations to your home purchase I'm going on there to apply

[@TreyMcClure]

@@Yahsbelovedgem88 use a local broker. You'll get a better deal.

[@Kris-wk9dq]

Yes it totally did help me thank you so much

[@princessjohnson817]

Thanks MY LOVE THE BEST DETAILED COMMENT EVER❤️❤️

[@iammireyaa]

I love how calmly and how you explain everything so clear .🙂Only there was enough honest ppl like you .

[@WinTheHouseYouLove]

Thanks for watching! I’m glad you enjoyed it :)

[@iammireyaa]

Thank you Kyle . 🙏

[@rjhugall8744]

I agree 💯 Percent

[@MomentoMori1988]

I have spotted 0 cuts in this video… bravo sir, bravo long format video with no cuts and speaking so freely and professionally without any hiccups!

[@WinTheHouseYouLove]

Thank you so much for watching and learning. :)

[@lifeisbeautiful9455]

Others need to learn how to be an effective communicator like you! You’re so calm at explaining things that sound so complex. I feel confident going into this process when others made me nervous. 🙂

[@DA-ji4tf]

Preparation is the key.

[@WinTheHouseYouLove]

Thank you so much!

[@markmaneha1900]

The difference between someone who is genuinely trying to help others compared to those in it to make more money through tricks, deceit, and other methods.

[@herbertjones9014]

@@WinTheHouseYouLove Can you use FHA loan to buy land and build on it

[@lizetacosta1049]

Facts 😅

[@marlat1754]

Best video ever on FHA . I just realized that I actually should go for a conventional loan after learning the difference. You definitely have the “heart of a teacher” thank you for all your hard work! 💚

[@WinTheHouseYouLove]

This kind of comment makes me more motivated. Thank you!

[@mattbarnett7985]

Love this video! I just bought my first 4 unit with an FHA loan and only put 3% down at 3.1%, it already appraised $25K over and inflation alone is higher than my mortgage paydown... easy plays in this market.

[@WinTheHouseYouLove]

Insane!! Great work Matt!

[@mattbarnett7985]

@@WinTheHouseYouLove Like wise!

[@thegoatgang6041]

Omg what city are you in! That’s awesome

[@patrickbilancione1201]

This video is absolutely outstanding. I learned more in the 50 minutes than I have in my entire process at this point about my FHA loan that is closing in 2 weeks. I will say the mortgage company and it's agents are extremely difficult to deal with and I find to be ridiculously incompetent. I have had to provide my bank statements, proof of employment and income literally every week since I began this process 5 weeks ago. Not 30 days between these requests but 5 business days each time. My score is at the higher end but I do not have 20% down for conventional. I have been employed by the same company for 23 years now. I can say this has been the absolute most stressful and horrible in my entire life. Honestly, I almost regret going through buying my first home. I do appreciate this knowledge you have provided. Thank you!

[@WinTheHouseYouLove]

Thanks for sharing your story. Best of luck! :)

[@rickfell7222]

My wife and I just got an FHA loan (she has the worse credit between the two). Crazy thing is her credit score is 714 and mine is 770. Yet we could only qualify for an FHA loan cause her FICO score is 620 (ridiculous). We go go either option either FHA or conventional. We chose FHA at 4.25%. It would take two years to make our money back to go conventional and will refi before then and rates will drop again in about a year / half… Very easy process. Brand new build in a beautiful master planned community.

[@chrisw6164]

Large unsourced deposits were looked for prior to the Patriot Act. You are correct that part of it is to detect money laundering. The biggest issue is to document that the borrower is using their own funds to purchase the home, and that they aren’t buying a home for a 3rd party (aka a straw buyer). Another reason why lenders scour your bank statements transaction history is to look for undisclosed recurring debts, like a tax debt or potential ownership of other properties.

[@WinTheHouseYouLove]

Good addition! I should have said something more like "large deposits are more scrutinized now because of the Patriot Act", but I unintentionally implied they weren't checked before.

[@FlyPiggie]

I've been stressing over an upcoming move trying to figure out loans and buying my first house. This really helped make things a little less confusing for me. Thank you

[@WinTheHouseYouLove]

Hi! I'm not sure if you already saw my Ultimate FIRST TIME HOME BUYERS GUIDE 2021 video. This might help you. Here's the link: kzbin.info/www/bejne/rnPXfICrpZidjKc

[@SparkieJ]

Im glad Im not alone.

[@ygbodybuilder3023]

I'm on the same boat I'm not sure what kind of loan to get and that. And it's different programs for people who are state employees and etc

[@lilchina6145]

This video was so helpful! You broke everything thing down to where someone who was disabled could understand what you were saying. It’s so important to do your own research because the fact of not knowing you can own your own home when you feel you can’t is important. This IS THE BEST VIDEO ON KZbin NO LIES TOLD!! I can’t say thank you enough! I feel so confident on what I know now!

[@WinTheHouseYouLove]

Hey Lil China! Thank you so much for your kind words and for taking the time to watch the video! I'm really glad to hear that it was helpful for you and that you feel confident about buying a home now. It's definitely important to do your own research and understand the process of owning a home, so I'm glad I could assist in that. If you're ready to take the next step and start on a pre-approval, you can head on over to www.winthehouseyoulove.com/lender or you can email me at [e-mail]. Thanks again for your support and I hope you have a great day!

[@Gina_Gem]

First of all LOL at Javier’s clip! Second, thank you for doing Gods work on these videos! You’re so organized with it as well. Quality content creator, excellent teacher, and over all great informer to citizens on the topic of the home buying process. I’m a fan of yours, Javier’s and Jeb. I’ve been watching each of y’all’s channel now for over a year. 👌🏽 I’m a relatively new agent here in Texas and I also work in accounting in the RE industry. I read a lot to keep informed but nothing is better than watching videos for the visual learner. Thank you!

[@mayanprincess2486]

This video is the Most simplified way to understand FHA. I walk away with so much knowledge and confidence on how to move forward and will check out the website next. Thank you !

[@WinTheHouseYouLove]

Glad it was helpful! Thanks for watching. :)

[@sondraedwards5218]

Lifetime of work in the industry and currently a Senior Underwriter. Your videos are very nicely done and a pleasure to watch and learn.

[@WinTheHouseYouLove]

Wow, thank you!

[@that1had2hurtvr81]

@@WinTheHouseYouLove I am currently dealing with FHA approval because I just found out the house I am buying is on a private road. I sent the lender the law that just changed this year saying things have changed with maintenance contracts. They're still so hung up on it. I fear this wont pass and I'll miss out on my dream house. I wrote up a personal maintenance contract. I hope that helps

[@alexandriaconnor8178]

I have never had all of this explained in a better, more complete way. ONE video worth 10+ other videos I've watched. Thank you!

[@WinTheHouseYouLove]

Wow! Thank you so much for the complement. :)

[@arriannaashanti2466]

Hands down you are the Best on KZbin!! You broke everything down inside out about an FHA loan. Thank you for schooling us!

[@WinTheHouseYouLove]

I appreciate that! Thank you so much. :)

[@janefoules8029]

Omg thank you. I'm only 7 mins in the video but as a first time house buyer, your information is really helping me out. I'll be watching the rest.

[@WinTheHouseYouLove]

Thank you so much!

[@itsshowtime5349]

Dude you are the best , we need more like you on KZbin you really explain everything so well unlike a lot of theses other KZbinrs , keep up the good work young man !

[@WinTheHouseYouLove]

I appreciate that!

[@DannysHauntedJourney]

The KZbin algorithm has blessed me. I'm trying to buy a house, and you've de-mystified this for me.

[@WinTheHouseYouLove]

Yay! Thanks for watching!

[@ltgemini1599]

The best voice on KZbin.

[@3226337]

Just saw half but i would say I haven’t seen any one explaining it so clearly Hats off

[@WinTheHouseYouLove]

Wow! Thank you!

[@generationsixpack1698]

I took a first time homebuyers program,... and even tho I heard all this before it’s making more sense now,.. thank you GOD BLESS YOU!🙏🏻😌

[@WinTheHouseYouLove]

Awesome! Thanks for watching!

[@JohnWilliams-qi4dp]

Very professional and informational .I knew nothing about the loan process and you made understanding home purchasing seem possible for us that know nothing...God Bless you Great Teacher!!!

[@WinTheHouseYouLove]

Thank you so much for watching!! :)

[@floridarealestatehomes]

All your videos make me feel so educated! Thank you for explaining things in layman's terms.

[@WinTheHouseYouLove]

Glad you like them!

[@LivingHoustonLife]

It’s hard for me to watch a video this long but your video grabbed my attention from the beginning. You shared lots of valuable info. Oh, your voice is calming . Lol

[@WinTheHouseYouLove]

Glad you enjoyed it and hope you learned a lot. Thanks for watching! :)

[@ai2reality-1]

Usually, I don’t comment, like or even subscribe to channels but this video have succeeded to make me do all of that at the same time. I thought every single detail(useful) was included. This is a piece of art sir. I think this should be kept as an NFT.😀😀😀 I thank you so much for the information.

[@WinTheHouseYouLove]

Wow, thank you!

[@Streghamay]

Be aware if you try to get an FHA loan you cannot drop any cash into your account for like 60 to 90 days, you also cannot make any large transactions.. So if you have cash on hand you want to use as a down payment, stick it into your account before you ever go to get the loan otherwise they will not work with you. We were NOT told this by our loan officer and it cost us our sale. The house was 80, and now we can't afford one at all since they go for like 150 and up now where we live.

[@jennaJLB]

Yup I was informed of this as well

[@SeedsAndStuff]

Scheme

[@nancykay4128]

East to understand overview- Appreciate your key points!!! I’m a realtor in Columbus and often work with first time buyers. Unfortunately here there are so many offers that sellers often prefer cash or conventional loans with buyers waiving the entire appraisal gaps. With FHA buyers we look for homes that have been on market longer than usual or homes that are going to be sold but are not listed yet in MLS.

[@ob2be1]

This freaking amazing information, comprehensive, and FREE! Lol This really helps me and my fiancé prepare with intentionality. Thank you!

[@WinTheHouseYouLove]

Fantastic!

[@Beary98]

We bought with an fha in North Idaho March 2020... on my low cna wages alone, we then refinanced in November 2021. We lucked upon perfect timing!

[@WinTheHouseYouLove]

Nice! Congratulations!

[@APPR.]

This was so informative without any filler! Straight to the point, thank you!!

[@WinTheHouseYouLove]

Thank you so much for watching!

[@roosterreagan8469]

Wow thank you, I looked at house, outside Cincinnati, yesterday at 4pm, seller agreed to offer by 9pm. First house, stressful, and I just decided I wanted a house Friday so this is all going so fast lol. You videos are crazy informative, wish I had seen them last week, I'm putting full faith in to my realtor because I had no idea what I was doing, I feel more confident after watching your videos, they answered EVERY SINGLE QUESTION i had. Thank you again!

[@WinTheHouseYouLove]

Awesome!! Very fast haha Thank you for watching!!

[@IamNicoleJ]

It’s so disheartening to be turn down even prior to submitting documents because most lenders would rather submit your information through the Auto Systems vs manual underwriting to help individuals with a more complex situation become homeowners.

[@sonali9208]

BEST VIDEO FOR QUICK REVIEW OF FHA GUIDELINES

[@carlycruise]

Thank you for this video! We were hit hard in 2008 and we saw our home lose $130k but we stuck with it and finally got even and left. Thinking about getting a FHA :)

[@WinTheHouseYouLove]

Thanks for watching! Best of luck!

[@mzruffin786]

You have by far the best!! video on FHA Hands down! with wonderful thoroughly details. Thank you so much for great information and you have a new subscriber!!!

[@sab8634]

Omg this is the BEST video on the internet! Just found your page. I am looking to purchase a home now and this came up on my feed. This is so helpful. You explained it PERFECTLY. Thank you so much for all this informative information. I’ll be listening to your other videos. New sub here! Thanks again! - p.s. you’re talking perfectly, normal and understandable! Not sure why others are saying you’re talking too fast! 😁😁❤️❤️

[@WinTheHouseYouLove]

Wow! This made my day. Thank you for subscribing and watching my videos. :)

[@sharilieb7021]

I love that the pillow is actually embroidered in the exact font from AUS :)

[@WinTheHouseYouLove]

Hahah I'm glad you noticed!! I had to make sure it looked right!

[@walterveliz8173]

This was amazingly done! Thank you for all of this information! Would be nice to see this type of break down on a CONVENTIONAL LOAN. Thank you!

[@WinTheHouseYouLove]

Thanks! Great suggestion!! I've been hearing more and more about them recently, so I will add it to my video ideas list :)

[@luketrochinski3954]

@@WinTheHouseYouLove looking forward to it

[@Lisa-vq2ov]

This video was so informative and easy to follow. I have been in the mortgage title industry for 20 plus years and have never had it explained this well. Thank you so much!

[@WinTheHouseYouLove]

Glad it was helpful!

[@bzv8391]

Kyle! I just wanted to say thank you for your videos. it REALLY helped me through my first home buying process. keep doing what you do brother! God bless you Sir. 🙏 🙌 🙏

[@WinTheHouseYouLove]

Awesome! Thank you!

[@minoritydollars]

I am new to your channel. This is one of the most clear and concise videos I have seen on FHA. Thank you for this video.

[@WinTheHouseYouLove]

Wow! Thanks for watching!

[@cristianbatista129]

Informative and precise! Engaging with excellent slides without the fluff for theatrics! A-1 work my guy!

[@WinTheHouseYouLove]

Much appreciated!

[@gaijinbran]

Thank you Kyle! Community property detail for DTI a great detail to list, especially for states that have common law instead, like OR. I almost was mislead and denied a loan by a LO because they didn’t know this rule. Thankfully your referral program LO knew about this and helped me out and straightened out the situation! Now on path to close. Thank you!!!

[@shakurahhakim-el]

Wow! I appreciate you for being so clear and informative. I am thankful to my son for sharing your video with me. Great Job!

[@WinTheHouseYouLove]

I appreciate that! Thank you for watching!

[@shakurahhakim-el]

@@WinTheHouseYouLove Your very welcome

[@ginarivera9921]

Been planning to buy a home in Virginia to be near to my siblings, and I currently live in California. This video gave me a better perspective about FHA. And I truly appreciate your explanation and the breakdown about FHA. Thank you.

[@WinTheHouseYouLove]

Glad it was helpful and best of luck!

[@Iamjustherek]

This video is perfect, it literally answered every question I had about loans and home buying! Thank you for demystifying this all!

[@cjs1217]

I want to start by saying it's a blessing to have ran into your channel I Live in Fresno California I felt like there was nobody out there that was a honest person to help us out u seem like a true hearted person so I thank you for your knowledge I do hope u may be able to help us out. 🙏👍

[@WinTheHouseYouLove]

Wow! Thank you so much for the trust!

[@djmockler3286]

Great video as always. I have learned a lot by watching your vids. It might be helpful to someone new to mortgages to explain the credit scores. I found that the scores I was seeing and thought I’ll have no problem were the wrong scores to go by. I found out that lenders use a different scoring model which is often lower than what you see such as on Credit Karma or the like because their model is more strict. Might a good topic for a new video.

[@PaytonWalenius]

Thank you for this video. I thought I should do FHA as a first time home buyer but now it doesn’t seem like the right fit.

[@WinTheHouseYouLove]

Glad it was helpful! Best of luck!

[@vilmaryv]

Problem is: there’s no lenders that accept less than 640 credit score and this is regardless of FHA standards.

[@positivepowerhous7]

TRUE

[@Ahoooie]

Wrong,i had a 620 credit score and was able to purchase a home. Your not trying

[@victorianava7413]

True

[@kioshagriffin7836]

Exactly

[@jacolagreene9870]

Exactly, Lenders have overlays to protect them!

[@mariaandrich6408]

I learned so much listening to your video, you touched on a couple of things that my Agent didn`t. I Appreciate this so much and your voice is very calm which made me pay attention throughout the whole video. Thank you!

[@WinTheHouseYouLove]

Glad it was helpful!

[@lalashawn9999]

Thank you Kyle for another "very informative" video. I learn something every time. Never heard of "gross up" but needed to know.

[@WinTheHouseYouLove]

You're welcome!

[@aubreyc170]

Thanks for your great video. Im trying to figure out how to buy a house and your videos helps a lot. Im tired of real agents calling all the time.

[@WinTheHouseYouLove]

Thanks for watching! Best of luck!

[@luckylib]

Thank u for uploading. I needed this

[@Jose-Guerrero-1754]

You talk about comparing with a conventional loan. How would you incorporate the repairs into the conventional loan?

[@ashleykbarks]

How much of a difference does it make if you're single vs buying with someone else? Dual income obviously has its perks, and for a good reason, but with a large portion of millennials not settling down and getting married, we have to calculate just one income. For me, that means a lot. I think I can technically afford a conventional loan on my own but I feel limited by my single income. I want a home, not a condo. But I feel I am being pushed toward something less desirable just because I'm by myself. Frustrating. I definitely believe conventional if the way to go for me, but I'll have to rent a room or two for what I want.

[@m.l.661]

Being single vs a couple makes NO difference in getting a mortgage EXCEPT the extra income changes your debt ratio, making it more favorable if neither of you has much debt...so you'll qualify for more money and possibly get a better rate bc you're less of a risk...

[@Beksangs1969]

Very clearly explained and pleasant voice which really helps. Thank you.

[@theglobaltrotter498]

Renting out will come with added conditioning, search up

[@amicablekoala]

@@m.l.661 Not necessarily.. lenders have to use the lower middle score, so if the partner being added has worse credit, it'll impact the rate.

[@dekonfrost7]

Again really great video. You are an underrated KZbinr.

[@WinTheHouseYouLove]

I appreciate that! Thanks for watching. :)

[@brutallyhonestfi4460]

This video was so helpful thank you 😊 I’m paying $2,800 right now for an 2/2 apartment an rent is just getting higher im ready to pay into owning something I’m just throwing money away I’ll never see again so thank you

[@firesign4297]

Yes 🤗 You Can Do It ...🤗👍🏿👍🏿🤗

[@thediva17]

You the only person that explain this clearly thank you soo much

[@WinTheHouseYouLove]

Thank you!

[@dr.kbutler3633]

I’m looking for a construction loan. How would FHA apply to this? Also, I would like to use my land as collateral. Is that a benefit? Would it help me?

[@dr.kbutler3633]

Also, I’m hearing that as long as your auto loan has less than one year, it would not be counted as a debt. Is this true?

[@realorfaketv8000]

This is great man , do you do one on ones live videos ??

[@Flajae1]

🗣 EXCELLENT INFORMATION 🙌 THANK YOU FOR SHARING AND HELPING PEOPLE WITHOUT EXPECTING ANYTHING 👏🏼 I WILL CONTINUE TO SUPPORT YOUR CHANNEL AND APPRECIATE THE INFORMATION 🙋‍♀️

[@WinTheHouseYouLove]

I appreciate that. Thank you so much!

[@jvane28]

Thanks for your thorough explanation of FHA. I feel so informed especially about the cash issue in your bank account.

[@WinTheHouseYouLove]

Glad it was helpful!

[@MattTheMortgageGuy]

Great topic I was just talking to my team. I think FHA will make a comeback later this year and in years to come.

[@emmettmortgage]

Me too...these agents will sing a different tune when listings start sitting.

[@yvetteaustin6282]

@Shonny Graham How much and how long did it take ?

[@georgesenda1952]

I am on SSI & can no longer work. I expect to get somewhere from $10K-60K in a personal injury suit next month. My credit will be paid off if I win & I will have no debt. I would like to buy an owner occupied duplex or fourplex.

[@lucasadams102]

You're a legend man

[@michellebarreto3457]

This video is soooooo helpful, they need to teach us this in school. Thank you for making this video!

[@WinTheHouseYouLove]

Glad it was helpful! Thank you for watching!

[@charleesgirl]

Thank you! This was very informative and made me feel at ease about purchasing my first home 😀

[@WinTheHouseYouLove]

Thanks for watching!

[@mimt5505]

Can you please explain the subsidy. How it works for USDA.

[@CalmJasper]

I love your videos! You explain things very well and have taught me a lot. I'm currently looking at homes (without an agent quite yet, window shopping if you will) and one of the homes had this: ("Seller is willing to offer a closing cost or contractor credit at closing"). Would you be able to explain what this means? I understand the closing costs bit but the contractor credit I 'm assuming means its a credit for repairs that need to be made?

[@MaritsaDarman]

the problem is that the median condo one bedroom in south CA is over $500K and NO ONE on a normal job can afford that.

[@trugangsta4real]

I've been unemployed for the last almost 2 years, in part due to COVID, but I'm starting a job soon as a teacher. Can I qualify for any type of mortgage loan shorty after once I start teaching and making money, or would I have to wait two years? I have an 810 credit score, and money for a down payment. When I was unemployed I was receiving unemployment funds every week.

[@kauigirl808]

Long as you were receiving unemployment. It does count if there's no gaps in between. Must start the job after stop receiving checks. Find a mortgage broker.

[@SparkieJ]

Keep in mind that your credit karma score can be much different from your mortage qualification score. They look a lot deeper in the past. Getting credit cards or even an auto loan has less requirements than a home loan.

[@kauigirl808]

@@SparkieJ yeah my credit karma said 770 but I got a loan for an RV it showed 750, they took experian score. Either way, mortgage loans go by the middle of all all 3 scores. 700 is good. 720 is all you need really.

[@kevinb6745]

Important to note that the 3% conventional down payment option is NOT available to folks making >$80k in most cases. I have pristine credit (805+), 6-fig income, low DTI, high liquidity; however, in order to get a 3-unit or 4-unit building, if I don’t want to pay 20% down, then I’m virtually limited to FHA’s 3.5% option. Thus, the 3% conventional 97 loan is a nice alternative but sucks big time for those in similar situations as me.

[@WinTheHouseYouLove]

97% is allowed for all first-time home buyers on Conventional (both Fannie and Freddie) - there is no income limit. Also, your option is not just 20% down or FHA 3.5%. You can still do 5% down Conventional if you're not a first-time buyer.

[@kevinb6745]

@@WinTheHouseYouLove wow, really? Are there any income restrictions on the 5% conventional down payment options for non-first time homebuyers? And is this option applicable to multi-units?

[@andygarcia3585]

If you have a 500 credit score, forget what you “qualify” for. Ask yourself if buying a home is the right move for you right now.

[@WinTheHouseYouLove]

Definitely a consideration. But also, like the story I mentioned in the video. Guy gets $100k medical debt. Obviously can’t pay it. Credit tanks. Should he not be able to buy a home? It’s a case by case basis for sure.

[@andygarcia3585]

@@WinTheHouseYouLove case by case basis indeed and forgive my blanket statement but if I was a betting man, I would bet most folks @500 are not there because of one, unforeseen, situation.

[@WinTheHouseYouLove]

@@andygarcia3585 I totally get what you’re saying! :) it’s a good reminder!

[@alrightnow7248]

@@andygarcia3585 People get sick, get divorced, lose a job, lose a loved one, get injured, it's life. Does that mean a three digit number is the deciding factor of who should and should not own a home? Some countries don't even have slimy credit bureaus and go by debt to income only! It is everyone's inalienable rights to have shelter!

[@AdmiralCecil]

The 500 score is set by the FHA, but you have to remember the lender (aka the bank) is the one who chooses to give you the loan or not. Most would prefer to loan to 620 or better and DTI of less than 50%.

[@WinTheHouseYouLove]

Yep, I talk about this in the video

[@mimiy2sesi]

Hi, are you actively working as a broker currently? If yes, are you currently accepting new clients?

[@TiffanyLaffyTaffyBaker]

I'd like to know also lol

[@fernandoarroyo844]

Love the videos dude! Keep ‘em coming.

[@WinTheHouseYouLove]

Thanks! Will do!

[@theFAMdistrict]

Now let’s have a full VA Loan 2022 video

[@WinTheHouseYouLove]

Thanks! Great suggestion!! I will add it to my video ideas list :)

[@Cards-rm5wy]

620 Min. credit score for every bank i call, yet Fha say 500 min. Im confused?

[@shantellpryor7596]

I have yet to find a lender who will qualify someone for a 500 credit score 🤔.. I'm constantly hearing 680 or over.. What companies are qualifying people with lower credit scores but good job history and a down payment ??

[@talula293]

Thanks for the info! Loved the video🙌🔥

[@WinTheHouseYouLove]

Glad you liked it!! Thanks for watching. :)

[@NICKVERAPEREZ]

A friend was asking, are u able to get a second FHA loan for the next home purchase ?

[@butubuta]

Thank you so much. You're a great teacher. Could you please make a video about alternative loans that included high debt, self-employed ,...?

[@WinTheHouseYouLove]

Hey butubuta! Thanks for the kind words, I really appreciate it! 😊 I'll definitely consider making a video about alternative loans for those with high debt, self-employed individuals, and other unique situations. Keep an eye out for it on the channel. In the meantime, if you're ready to start on a pre-qualification, feel free to visit www.winthehouseyoulove.com/lender or shoot me an email at [e-mail]. I'm here to help!

[@JAYETRUCKING]

Texas has a down payment assistance programs. You can use with the fha loan

[@tashie6288]

Wow! This is great info! Thanks for your hard work. I was forced to sell my home of 14 years directly due to shutdown.

[@WinTheHouseYouLove]

I hope you'll be able to find a new home. Best of luck!

[@christopherscofield4252]

We did FHA zero down 100 % financing

[@WinTheHouseYouLove]

Wow! Thanks for sharing your experience. :)

[@ronaldlee6599]

Finding a house that I liked that met FHA requirements was hard.

[@jenniferbh824]

I found two homes both locations neighbors said they had been empty for over a year and then HUDStores said their is no HUD Home at that location. Where do I go to get the Banks Lien details on these homes so I can try and buy one at least.

[@Mvnerv_]

Regarding minute 22:22 about making the house tour primary residence before renting it out. What if I’m planning to live in with a couple of roommates? Is this possible?? I’d live in it but I also wanna rent out a couple of rooms.

[@WinTheHouseYouLove]

I just recorded a personal video reply for you: vid.us/zxqyor

[@brittanykelch69]

Just shared this video with my amazing team!! Unleashed Advisors of Upstate South Carolina 👍👍

[@WinTheHouseYouLove]

Awesome thank you!

[@jadimas]

For funds for a down payment, is the time for seasoning 60 days prior to applying for pre-approval or 6o days prior to closing?

[@traceebates6781]

Very good video...super informative excellent tone! I was actually able to watch all the way thru which speaks for itself!!!

[@WinTheHouseYouLove]

Awesome, thank you!

[@ruthcunningham7176]

Best video! Every question I had you answered, thank you!

[@WinTheHouseYouLove]

You're welcome!

[@sharmanklinefelter508]

fha loan just messed up selling our home had to wait 10 days for inspectors and appraisals 2 days before inspectors were to arrive loan was canceled because interest rate went too high never go with fha loan if you are a seller

[@yjtrojo]

Is it possible too get approved for a fha loan with no income and using future rent as income ?

[@ceicidumoi3807]

Thanks I was just approved with a 730.

[@WinTheHouseYouLove]

Excellent!

[@9Hickson]

Thank you for sharing this great!! Information. Love the pillow😊. ❤️🙏🏿❤️👏🏾

[@WinTheHouseYouLove]

Wow! Thank you!

[@rae6994]

Is the down payment towards the fha loan or the home & then apply the fha loan ?