First Time Home Buyers Guide - Tips and Advice

[@nowomannocry8327]

Wow this is the most important vidoe I’ve ever watched,can’t believe it’s free to get all this info,appreciated 👍

[@ShineInsurance]

Awww, so glad it was helpful. This comment made our day!

[@ShineInsurance]

@Sherryl Jacobs try our free online course: www.newhomebuyersguide.net

[@mortgagesmademanageable9107]

Agreed. Solid video!

[@freshlysaltedfishing8500]

Nice Marley

[@domcruise274]

KZbin can be better than a college education if you use it the right way.

[@sintony69]

Wow... Im 30 years old I was just pre-approved for 200k Im a business owner..... But boy was I clueless about first time home buying. THANK YOU SO MUUUUCHHHHH!!! That one person who needed this video was me.

[@ShineInsurance]

Hey Oscar, that means the world to us. Enjoy the process of finding your dream home and feel free to let us know how it goes.

[@robertbuesser5879]

You sir are a true expert. As Einstein said, If you can't explain it simply, you simply dont understand. You understand, and explained it simply. Keep on my man!

[@ShineInsurance]

Thanks R B, Glad it was helpful! Now go out and fine that dream home.

[@ufawai7147]

Robert Buesser s

[@monique26759]

also guys remember PMI (private mortgage insurance). It is not just principal, interest, and escrow that you pay each month. If you're not putting 20% down then you'll also have to pay PMI each month until that 20% off is paid off. (GREAT video!)

[@ShineInsurance]

Great point Sonya. PMI can be a factor in your monthly mortgage payment for sure.

[@tashabrown8301]

Yep!!! Thanks for that reminder. Great info to be in the know of.

[@TheSimsCollection]

Sonya Thomas exactly...thanks for adding

[@beyoutifullyunique03]

Sonya Thomas Is there a way around PMI? Depending on loan maybe?

[@MultiIndy11]

20% is just condition u don't pay 20% with mortgage insurance ,like say 10% down and rest 10% with mortgage insurance no no rest of the 90% u pay in addition to mortgage insurance ,this is one time charge either pay monthly or in addition to 5% ,10%or say 19%and helps u in Default

[@enezll]

I’m 16 and can barely afford my damn phone bill lol who knows why I am here but it’s always good to learn something new

[@ShineInsurance]

Enez ll, that’s awesome! May as we’ll learn new stuff. One thing you can do now is start to establish your credit. Talk with your parents about a checking account and a credit card with a very low limit in your name. Start using it and paying it off immediately. This will set you up for success when you go out on your own.

[@juicynugget]

Always be learning! No matter how young or old

[@alexisrose4221]

Everyone I know is in debt and struggling. I’m 24 and have great credit and zero debt. Don’t get yourself into debt. Build your credit !!!!

[@evadavis]

Omg I understand it for the first time EVER!

[@ShineInsurance]

Wow! Greatest compliment you could give. Thank you and best of luck in the home buying process!

[@martagutierrez3858]

Lol, what is there to "understand"? It's a linear process you go through.

[@ShineInsurance]

Hey Marta, tearing people down is something that a lot of people do on the internet so it's understandable why you would think it's ok. But it's really not. You're better than that. Whether it's riding a bike, learning to drive, or buying a house, we all have a process. If this video didn't help you, it's all good. It if helped someone else, that's fine too.

[@martagutierrez3858]

@Shine Insurance, you misunderstand. I didn't say the video was not helpful. Quite the opposite, it certainly helped me a lot. I merely pointed out that Eva Davis was making herself sound intellectually defective, since there is nothing to "understand", there is just things to know. A proof that square root of 2 is irrational is to be "understood", the steps in how to close on a house are to be known. Let's not be so imprecise with our use of language. The second point I would make here is the following. Assuming I really did "tear down" Eva Davis with my comment (whatever that means), and let's further assume I did this on purpose with the sole intent of making her feel bad. What makes you the authority to decide whether that's "ok" or not. Why do you assume that your emotional response to this is somehow more authentic than mine (amusement)?

[@momacaroni5634]

Eva Davis same

[@LuweyG]

I'm going to buy my first home and this was amazingly helpful. Wish me luck!

[@ShineInsurance]

Best of Luck Luis!! Congrats on this big step in your life and glad we could offer some clarity about how it works.

[@DevinD92714]

How did it go? I'm considering buying within the next 3 to 6 months.

[@EireSaber]

How did it go??

[@OriginalBabyBoi]

Good video man. I feel like you took something that seems like a scary process, broke it down with a clear explanation, and turned it into something simple. Thanks for the info!

[@ShineInsurance]

Woo Hoo!! That's exactly what we're trying to do. Glad it helped.

[@aconia1995]

The content of the comments in this video are astonishing. I don’t think I’ve ever come across a video where there are 50 consecutive positive comments 😂 Great video btw, lots of useful info 🙂

[@ShineInsurance]

Thanks. Glad it was helpful!

[@waleska1963]

Thank you very much. My husband and I are going to the bank tomorrow. Pray good thoughts for us. God Bless you.

[@ShineInsurance]

Blessings to you! If you have questions let us know.

[@josieann4204]

Thanks so much! I've been thinking about buying my first home and this video has been so helpful. It is very easy to follow and understand. If you ask someone who has bought a home how the process works, they throw all these big words at you or just give you one step answer. So again, thank you and I now feel like I can tackle the process "like a boss".

[@ShineInsurance]

Awesome Josie, If you decide you'd like more help check out the entire New Home Buyers Guide at www.newhomebuyersguide.net. It's got a guidebook, checklists, videos for each topic, and a closed Facebook group to ask all of your questions.

[@josieann4204]

Shine Insurance Thank you, I will definitely check that out.

[@dc5duben96]

watching this 4 years later, thanks for the great info!

[@ShineInsurance]

Still just as relevant as when we first posted it. Happy home buying

[@bzphilly]

I'm a first-time home buyer currently researching the process and this is the best, most straight-to-the-point video I have seen on the topic so far. Thank you for sharing.

[@ShineInsurance]

Brandon Zurvalec glad it was helpful. If you want step by step help with the process check out our course at www.newhomebuyersguide.net.

[@krus7y902]

I'm 13 and have no idea why I am here but I now know how the process of buying a house, driving a manual car and soon learning the rule to drive on the road. right now I'm watching videos how to learn to be a race car driver Keep up the great work!

[@jovanna825]

soooooooo... u made a person who knew nothing about buying a home ... have a better outlook on the process... thank you! Great Job and Nice Work!

[@ShineInsurance]

So Glad!! Thanks for watching and happy home buying!

[@QuoSilver]

Thank you for the awesome and super helpful information. I'm 21 and I've decided to buy and own property and slowly learn my way into real estates. But obviously, the best way to learn and earn is to own one as my first house as well. If you're planning to buy a house or own property, this video is where it's at!

[@ShineInsurance]

Thanks Marvin, glad it was helpful. If you want more videos about investment property ownership we have a playlist of them: kzbin.info/aero/PL425CAnBWQyQxzco-7aTgHMQFlqYPD57u

[@toddstephens2325]

I've had worst experience sending my clients to local banks to get a home loan, 99% of the time I will send them to an experienced mortgage broker that I have worked with in the past. Excellent video, thanks for sharing!

[@ShineInsurance]

Makes sense. Gotta trust the folks you refer to. That’s the bottom line.

[@j4yma1ette]

This is the best explanation of the buying process I've seen. Thank you so much! I plan to watch it again and take notes

[@ShineInsurance]

Yay!! So glad. Happy home buying!

[@MegandtheMutts]

I am a twenty year old looking to buy my first home and I had no idea where to start or what questions to ask. This is a great crash course!

[@ShineInsurance]

Meg Renner we hope this helps you ENJOY the process.

[@AngieWy]

Thank you so much for the information. I was so confused by all the "noise" of the internet and family and friends. Everyone was telling me something different and all it did was scare me into putting my home buying off. I'd like to be out of my apartment by December and I didn't know where to start. This video has been a blessing and extremely informative. Thank you

[@ShineInsurance]

Hi Angela Wyatt, We're glad to help. The thing to address now is your credit and saving for a down payment. You can work on both no matter how far away you are from buying a home.

[@jonescalante4084]

I will soon be in the market for a new house (1st time buyer). I know what to expect when I am going through the process. Thank you for this video!

[@servantrose]

What a blessing this video is! Actually found something from someone who knows what they are talking about but doesn't act as if the viewer is unintelligent :)

[@ShineInsurance]

svntrs Yay!! Thank you. Really glad it was helpful.

[@ESTBuddy]

Im about to buy my first house and one thing he forgot to mention before the inspection happens is that the buyer or the seller has to turn on the utilities for that inspection I wish he would’ve also covered what happens to the leftover money from that loan this video was without a doubt helpful.

[@AlexOrtiz-ok9uu]

I’m 23 and I kinda knew this before but thanks for clearing this up I feel much better ! I have set a goal to save money and buy my first home @25y/o thanks man!!

[@ShineInsurance]

Great plan! Getting your credit right and saving for the down payment are exactly what you should start doing now.

[@lukemiller1385]

Oh man, thank you so much for how thorough you were in this video!!!!

[@ShineInsurance]

The Lucas List, glad we could help!

[@yo_cris5661]

My parents are Mexican and I wanted to help them own a house because we are renting at the moment and this video helped a lot btw I’m 18

[@JamielPridgen68]

Thank you! I wanna buy my first home when I retire in 4 years. Best lesson ever! Thank you!

[@loraineanderson6566]

I am currently in the process and this video is very informative with breakdowns/explanations! To all homebuyers.. first pray about it then research/gain knowledge of what you are getting into. Blessed day to all and trust God through the process 🙏🏾

[@ShineInsurance]

Great advice Lorraine! Happy homebuying.

[@loraineanderson6566]

Thank you and your video cleared up alot of things 🙂

[@shielavilla]

I am watching this an will be buying my first house before the year ends. 🤗

[@Jacknife-io8ok]

the most comprehensive video I've seen thus far. i now have the confidence to go through with this.

[@ShineInsurance]

That's music to our ears!

[@rubyshay6352]

Omg you are awesome. Im 20 and starting my process next week. Thank you so much

[@ShineInsurance]

Ruby Shay, of course. Happy home buying!

[@emyeelee2689]

Oh, I understand a little! I guess. My parents are buying a new house, around 590k. They have good/ okay credit and the seller of the house accepted the offer. I'm so excited to enter and live in the house. (Not to brag but it had a huge yard/ lot too) Thank you for explaining.

[@Beastw1ck]

Thanks for the video. It was hard to find a real "nuts and bolts" explanation for first-time home buyers and this vid was really well organized and thorough.

[@heyddisuazo]

We're in the escrow period right now and as a new home buyer i didn't understand why we're waiting if everything got approve but now thanks to this video I finally understand why thanks so much

[@ShineInsurance]

Heyddi Suazo, so glad we could help get rid of the confusion. Enjoy your new home!

[@nandoperez2924]

THANKS!!! THIS MOST DEFINITELY HELPS since I'm buying first home this year!

[@ScriptTheFlip]

Im watching this video for a personal finance class and ive got to say this really sparks the fire that ive got for being a financial advisor and all of this information is tremendously helpful for me just starting out in college. Thank you!

[@l2rkak]

This video provide very useful information. I never buy a home before and this video gave me some good basic foundation to prepare myself if I ever decided to purchase a new home. Thanks.

[@ShineInsurance]

Hey Luke P, glad it was helpful. Let us know if you have questions or other topics we should create a video about.

[@newnnow]

Great information! I'm doing my homework now and thinking about buying my first home. I enjoyed this video, it breaks down step-by-step. Thanks for sharing!

[@ShineInsurance]

Sweet. Let us know how we can help.

[@Jewelstravel]

I'm 26 a single mom and I want to buy a home. This was very informative thank you so much

[@ShineInsurance]

Wow, Yulissa, this made our day! You got this. One step at a time. If you want our more in depth e-book, it's free at www.shineinsure.com/new-home-buyers-guide. It takes what you learned here to the next level.

[@juice42066]

In the process of buying a home right now. This video helped greatly, thank you.

[@ShineInsurance]

+juice42066 Perfect time to watch this. Wish I'd had this video the first time I bought a house.

[@optosigmayamamoto9816]

Amazing and well informed material and presentation. This should be required for anyone looking to buy a house! Perfect for met. The tone is also soothing and easy to digest. Thank you for making and sharing. Super like!

[@ShineInsurance]

So glad it was helpful! Happy home buying.

[@cassiopeia7457]

Loved your video. I understand the home buying process wayyyyy better than before!

[@halfawake454]

Good overview. I've been just starting to think about my first home purchase. Tired of that apartment life. However, I didn't even know what step one should be. Most articles online are too vague or so detailed it's like they forget to give actionable advice for someone who doesn't know what they're doing. This however was helpful in telling the actual actionable steps I need to do to get into a home. Thanks for this!

[@ShineInsurance]

halfawake454 glad it was helpful. We expand on the things you should do before you even apply for a loan here: www.newhomebuyersguide.net/credit. It talks about tips for increasing your credit score and what downpayment you should be prepared for. Let us know if you have other questions.

[@jefft1705]

I’m only 21 and own a house and small yard 😍

[@ShineInsurance]

Jeff T You go!!! Good work. What was one part of the process that surprised you?

[@alicegarcia7183]

Jeff T how did you do that

[@tashabrown8301]

That is awesome❤❤❤❤

[@zm5635]

Yeah, who gives a fuck

[@ociriszues]

I'd like to pee on the side of your face. STFU

[@sohaibahmed226]

Thank I actually had to watch video for homework assignment in financing class. Very informative I will have to watch it again when I buy house.

[@ShineInsurance]

sohaib ahmed you get an A+ in our book! Hope it was helpful.

[@jessicamcginley734]

Thank you so much! I really needed to understand all the terms. Im am a first time home owner and I was scared at making all the mistake. Now that i have this information i feel more comfortable and confident. Thank you 😁

[@ShineInsurance]

Jessica McGinley, YAY!!! That is the entire point of this video. So glad it helped you.

[@Adam96616]

I'm so excited for the future in becoming a future homeowner.

[@ShineInsurance]

craecrae47 you got this! Have fun, don’t stress, find your dream home.

[@dimplebrasington1234]

Hi Jeremy, thank you so much for creating this video. I am in the process of buying a house or condo for the very first time in my life. Just thinking about it is already overwhelming. This tips and advice gives me peace of mind to and proceed towards the first step, talk to my bank. This is really in depth with great tips. Thank you once again.

[@ShineInsurance]

So glad it was helpful!

[@tosinadediran8452]

Powerful message. This is Mortgage 101... Thank you for this education

[@hothotheat3000]

Do more than one inspection! Don’t rely on one inspector to catch all the issues that a home may have. Do at least two inspections. Don’t tell inspector #2 what inspector #1 found, and see if they find the same issues or if they find even more things to be concerned about. Make sure they’re both accredited inspectors. My dad suggested it to us by saying that you should ALWAYS get a second opinion. It will cost you money to do inspections, but it’s better to spend a little now than a lot later when your house falls apart.

[@ShineInsurance]

hothotheat3000, totally legit. Most people don’t do this and it’s pretty cost prohibitive but if you’re really wanting to have a clear picture it makes sense. Chat with your realtor abt how the purchase agreement is set up and whether issues in a second inspection can be applied. Some agreements won’t let you back our and get your earnest money back from a second inspection.

[@Kiamoko]

Now it's all clear...working on getting that down payment saved up! Thanks! 😊

[@ShineInsurance]

Glad to hear it! Yep, getting your credit right and saving for the down payment are key first steps. You got this!

[@LuxePlusLife]

Thank you for this! Im in the Escrow period and I had some confusing moments...specially of what i was financially responsible for ...like I didnt think I was supposed to pay for the Appraisal...or that if the seller pays the closing cost, it does not men ALL the CC...just a % of it.

[@ShineInsurance]

Hey Stephanie, Many of the closing costs are negotiable in your purchase offer. Most items have a "rule of thumb" as to who pays it though. For example, the inspection is usually paid for by the buyer. The thinking there is that the seller has no motivation to get an inspection. If the buyer wants to make sure the house doesn't have any major issues, they should pay to make that happen. The Appraisal is most directly connected with the amount of money you can borrow. So that to would also naturally fall to the buyers side. But who pays for these costs isn't set in stone. You can ask the seller to agree to pay for any of them. You're correct though that saying "the seller will pay the closing costs" is like saying "my teenager did all of his homework". It's cut-and-dry on the surface but the details are more complicated than that blanket statement.

[@LuxePlusLife]

Right! I'm learning as I go! Thanks for the responce! 😊

[@tutterbrown9987]

Wow this was the most helpful video out of the 20-something I watched. First time home buyer here!

[@ShineInsurance]

Glad it was helpful!

[@Yadone1234]

I learned a lot thank you for being positive toward the viewers and breaking everything down.

[@ShineInsurance]

Hey Vaper, No problem. We're happy to help.

[@dimplz8480]

This is AMAZING thank you so much for sharing!! I will definitely share this with my folks! Thanks again!

[@ShineInsurance]

Hey Dimplz, glad you learned a lot. thx 4 the shares.

[@Mooskaxaaji]

Buying our first home, this is very helpful. We are shopping for a realtor and loan officer's now.

[@ShineInsurance]

Mooskaxaaji , great job! Happy home buying.

[@Adeus1]

Excellent job explaining in layman's terms! Thanks a bunch. Active seeker hope to land this sale.

[@veronicaalvarez6634]

Got some really good info before buying my home Thanks!

[@xmodh212]

Awesome informative video. Clarifies the process greatly for someone who's never done it before.

[@ShineInsurance]

Glad it helped. Let us know if you have other questions about buying a home. We'll post a video for ya.

[@hjmatamoros9931]

Best video I've seen about the home buying process, thanks!

[@ShineInsurance]

Glad we could help!

[@perisaharrison2901]

I will say I have gone to several homebuying seminars and they were all very helpful. However, there were several times that I left there still a little confused and didn't know how to present my question to get it answered. Your video helped with that. Thank you so much for sharing this information.

[@ShineInsurance]

perisa harrison Glad it was helpful!

[@masterwill51889]

Extremely helpful! Getting my first home this year. Fingers crossed!

[@adrianaortiz6628]

Thank you so much for taking the time to put this information together and making this video. Very much appreciated!!!

[@ShineInsurance]

Ade Ramos we’re so glad it was helpful. Enjoy the process and best of luck with your dream home!

[@DisneyBelle]

I'm so lost with everything and this helps a good bit! Thank you

[@MsMwade23]

Sweet can't wait to get in the process for my dream house in 3 years

[@b.d.m5575]

amazing. this really helped us. now we're ready to talk to a mortgage person tomorrow

[@ShineInsurance]

BeRnaDeTTe Diestro Magno YAY!!! Great next step. Get that preapproval, find a realtor, and shop for ur dream home. You got this!

[@138bpmTV]

Great informative video. Thanks

[@ShineInsurance]

Glad it was helpful. Best of luck with your home shopping!

[@jennytodd3350]

138BPM ha ha I'm move out going back to sulphur spring Arkansas

[@LyubomirLalovMulti]

This is glorious, I been tryin to find out about "refinancing tip" for a while now, and I think this has helped. You ever tried - Ferapt Freedom Fanboy - (do a search on google ) ? Ive heard some great things about it and my colleague got excellent results with it.

[@stevet2892]

+138BPM This is just superb, I've been looking for "tax tips realtors" for a while now, and I think this has helped. Have you ever come across - Siyamilla Financial Bigshot - (do a google search ) ? Ive heard some unbelievable things about it and my colleague got great success with it.

[@martinrego3048]

Cheers for this, been searching for "realtree camo acrylic nail tips" for a while now, and I think this has helped. Have you ever come across - Siyamilla Financial Bigshot - (Have a quick look on google cant remember the place now ) ? Ive heard some super things about it and my buddy got great success with it.

[@JMSCollegeFun]

Very well explained! My husband and I got preapproved for 200k with a 1400 payment (everything in one payment) and we are starting at 130k. I’m starting to regret not saving 20% (would take us forever lol) due to will have to pay extra to cover that amount in long run. But very well said and explained video thank you! I’m taking notes.

[@ShineInsurance]

Glad it was helpful! Saving 20% up front is tough. Don't worry to much about not pulling that off. Congrats on your new home.

[@mrdependable557]

I've watched hundreds of vids and this was very informative..Thanks!!

[@ShineInsurance]

Thanks Jo Jo.

[@ashleytanner06]

this is so great probably the best educational video i have seen so far.

[@ShineInsurance]

Thanks ashley tanner, happy to help. Let us know if you have questions.

[@mahampton87]

This is the best informative video for first time home buyers i have watched . You stuck to the points and made them very easy to understand I have already shared this video with a couple of friends

[@ShineInsurance]

Thanks Mo Hampton, We're glad it helped. Now go out there and find your dream home.

[@bbnewyork100]

This was amazing! I can not thank you enough for all this information.

[@Bella17367]

This is an AMAZING video! thank you for your excellent tutorial. I feel ready and disciplined even more now!

[@ShineInsurance]

FLiP FLoPs enjoy the process!

[@craigwilson577]

Thanks this really was a great video! Went into a good amount of detail without becoming boring!

[@ShineInsurance]

Awesome Craig, that's the greatest compliment. Getting the point across with out dragging on is our attempt with every video. Glad it worked for you.

[@samanthahicks3333]

Thank you! I am so worried About buying a home bc i have no idea what im doing.

[@willbarber8707]

Take your time, be patient !

[@jasweb147]

I just started the process as a first time home buyer last week. The very first thing you should do before looking at any homes is to get "pre-qualified" by a lender/bank. Pre-qualification will tell you what price of home you should be looking at buying. You might say that $400K home is my dream home, only to be let down because you didn't get pre-qualified to get an indication of what you can afford. If you're pre-qualified for only $200K, then you should stay in that price range. Bless you.

[@jcdebbs]

Thanks for the video, definitely helpful. Hoping to get prequalified for a loan this week. I will return to watch a few more times as I progress with this home buying process.

[@ShineInsurance]

jcdebbs, sounds good. If you want more in depth help through the process check out the guide: www.newhomebuyersguide.net. Use the code CLOSING to get 25% off

[@KaytieHltz18]

Oh my word thank you so much for this information. my husband and I are buying a house for the first time.

[@ShineInsurance]

Hi Kaitlyn, That's music to our ears. Best of luck through the process.

[@donnaduffey7369]

I learned so much from this and please give me a chance to prove we can pay this. I feel great about getting a new home

[@screamrad218]

I’m saving up for a home. Me and my girlfriend are working on this. Can’t wait!

[@quincyjohnson3875]

Thank you I'm looking forwards to buying a house in the near future....

[@ShineInsurance]

Hey Quincy, We hope this helped make the process more exciting and less scary.

[@kjcoates123]

This was very informative. I will never forget now about The Escrow Account Contribution being that it could change even on a fixed payment. It's amazing when you just take the time to research before you start looking! Great video!

[@capri491]

Thank you soooo much, very helpful information. A lot to consider and be prepared for when going through the process.

[@ShineInsurance]

Yep, one hurdle at a time. You got this!

[@capri491]

+Shine Insurance Agency I hope so :)

[@marycrowe7670]

REALLY WONDERFUL Utube!!! I also read through all of the comments and replies. Love the advice given. THANK YOU for this wonderful Utube!!

[@ShineInsurance]

+Mary Crowe Of course. Really glad it helped

[@RachelCox]

thanks so much for this video! Im such a detail oriented person and this explains it so well as we are currently first time home buyer's in the process of house hunting and getting a home within the next month! :)

[@ShineInsurance]

Glad to hear it helped! Happy Home Buying

[@kaemara]

Very informative in simple language.

[@ivadavis7553]

I,m starting this process as soon as I raise my credit score 10 points. This was very informative, Thank You.

[@ShineInsurance]

Iva Davis, you got this!!! Great job being patient and getting that credit score up. You’ll be holding those keys soon!

[@qualityreno9689]

can't thank you enough. didn't know about the escrow period. good job. thanks.

[@ShineInsurance]

Awesome Quality Reno, enjoy the process!

[@brandx01]

Excellent!! Simple...concise...explains everything...many many thanks. I'll be buying my first condo in the next few months so I will come back then and let you know how the process went.

[@ShineInsurance]

brandx01, can’t wait to hear how the process went!

[@brandx01]

Thank you so much for the help and information your video provided. I knew what my agent was talking about...I knew the words and phrases and terminology...and I knew what steps to expect. I made sure to have all my financials taken care of and ready to go so I was able to make an offer and buy my dream-condo! I watched this video in Sept'18 which is when I first found my agent and was ready to buy in Dec'18. I saw the condo listed on May 21...I offered on May 22...they accepted on May 23...and I moved in on July 10 2019...that quickly!! The whole process from finding an agent (I found THE BEST!!) through the entire condo-buying process to closing to getting the keys went smoothly with no unforeseen problems. You helped me get here from the very beginning and I am very grateful.

[@theresamckay6194]

Thank you so much!! I feel as though a 1000 lbs have been lifted!! :)

[@ShineInsurance]

Wooo Hooo! Thanks Theresa. That's music to our ears. Best of luck in your search for the perfect home.

[@jennytodd3350]

Shine Insurance Agency iiiiii

[@ShineInsurance]

Jenny Todd we gocchu Jenny, find that perfect house>>move in!

[@Candie5000]

Geez thanks alot for this video... im 25 and buying a house i need all the advice i can get

[@ShineInsurance]

glad it was helpful. Sending great vibes for the perfect house in your future.

[@rickygonzalez3317]

Thank you for this. Buying next month and this answered all my questions!!

[@ShineInsurance]

Congrats Ricardo

[@KrutoshReviews]

Crystal Clear! Thanks for the step by step explanation.

[@ShineInsurance]

It's our pleasure. Glad it helped. Let us know what questions you have along the way.

[@KarlaLuckowhelpingmehome]

Great video, thank you for sharing the overview. I'm a Realtor in Southwest Idaho and explain these things to my clients all the time. Appreciate you putting this out there. It would be great if you could do a similar one on Home Owners Insurance, I'd love to share it too. We got caught with an issue as I didn't understand "How much insurance do you want?" I told them, I got it but no one told us about replacement value vs. the one that takes depreciated value. UGH Learned that the hard way.

[@ShineInsurance]

Hey Karla, glad it was helpful. Here are some resources for you: NEW HOME BUYERS GUIDE www.newhomebuyersguide.net our online course for new home buyers HOME & AUTO INSURANCE COURSE kzbin.info/aero/PL425CAnBWQyR7jTxJzNJ1tJjGGKoDKhjn These videos break down all aspects of home and auto insurance. Video #4 is the homeowners insurance detail. The last video covers homeowners claims. REPLACEMENT COST COVERAGE www.shineinsure.com/how-is-your-roof-covered-in-a-wind-or-hail-storm/ Please let us know what other topics you'd like us to cover. Happy to!

[@eyeojo]

Very clear and helpful - thank you! Guess I am going to have to wait on getting that new Ferrari until after closing (see I get it!)

[@ShineInsurance]

eyeojo HA!!! Totally. Save that Ferrari for a few months from now.

[@dotkid6178]

Quick way to build credit before buying a house. I was thinking you should put 5 -10 Grand down on a car keeping the monthly payments lower ,but more importantly it builds “ Your “ credit ,plus eliminates the used car troubles. That’s where my Mind was for V Day anyhow...

[@charlottesnyder2592]

when do you think I should start looking for a house? I got 6 more months left on my lease to my apartment

[@ShineInsurance]

No better time than the present! Start checking out Zillow and other home sites, talk to a lender about mortgage preapproval, interview a couple of realtors in your town. The next 6 months may be interesting when it comes to property values and starting now with a strong footing will be key for you. Happy home buying!

[@jenna-leighwillis7308]

Very happy to find this video! Currently house shopping, and glad to know the following steps! awesome video

[@i90kspeedy24]

Jenna-leigh Willis hi Jenna, are you still house shopping? I’m a real estate agent and would love to help with the process

[@CoffeysMusicCafe]

Great information! Especially about the taxes and insurance possibly changing your future payment amount. Thank you.

[@ShineInsurance]

Glad it was helpful. Here's a video specifically about your monthly mortgage payment>>kzbin.info/www/bejne/h5rZenZ8adSsp80

[@hurricane6981]

Thank you for this amazing content. You explained it very simply.

[@m12mikeful1]

This is great !!!! Very informative ! Need this before I look into houses tomorrow thanks

[@ShineInsurance]

Glad it was helpful. What did we miss? Any questions you have that didn't get answered?