Another great video! Love the content, the tips (pay them at closing!), and how you’re so real and down-to-Earth…and that’s a great color on you!“Not all lenders suck”🤣
@JenniferBeeston8 ай бұрын
Thank you. I appreciate you!:)
@denatipton21032 ай бұрын
This video spoke to my soul!! I really feel like you speak my language I have always assumed I need to be perfect before even considering buying a home. I also feel like I want more than I can afford. My sister is a realtor and has such an aggressive personality.
@sandycalame8 ай бұрын
There is a path to homeownership! It may take some work but you can get there! Planning calls are one of my favorites to do!
@russlea63838 ай бұрын
I paid off my card each month for peace of mind and to show that I can manage debt.
@zenlife3218 ай бұрын
Jen can you do some content on buying a home after a bankruptcy. Especially new bankruptcies. This is a very un covered topic here on KZbin. For those of us who are moving past our “seasoning” period and applying…it’s nerve wrecking that no one talks about how it’s going to work for us. Especially when it’s a new one (2-3yrs ago)….🙏☺️
@WorryDontAbout8 ай бұрын
Great question
@JenniferBeeston8 ай бұрын
Great call. Depends on type of BK as well as loan type. Grab a point on the calendar and we can give you the guidelines specific for your situation. I will do a BK guide as well as a video. Great idea!:) calendly.com/jennifer-beeston/preapproval-q-a.
@lmw10098 ай бұрын
Thank you so much for the comforting and hopeful message. Thank you, to you and your team. My husband and I have been leaning so much. This pep talk helps! ❤
@JenniferBeeston8 ай бұрын
❤️❤️❤️❤️
@TZR950358 ай бұрын
Right on time I just finished paying my car and student loans.
@JenniferBeeston8 ай бұрын
😱
@CBG30008 ай бұрын
I would like to see a video on. Having a zero debt, low debt income ratio,lump some of money in the bank for a down payment; but your income is low or lower then what you were previously making.
@JenniferBeeston8 ай бұрын
If self-employed in your income has decreased dramatically, even with perfect credit and money in the bank, it can make a traditional loan unlikely. I am talking about like a 30% plus decline. If your income is lower and your W-2 or maybe you switched to a job that has a lower hourly rate we would just qualify you based off your income and see what your debt income is. Having great credit and money in the bank is excellent, but we have to have that ability to show repayment as well. Great idea for a video. I will definitely film one but I wanted to make sure I got an answer back to you and of course I am always happy to talk and brainstorm. My number is 707-478-0637.
@CBG30008 ай бұрын
@@JenniferBeeston thank you and your team for taking time out your busy day to recognize my comment. Definitely looking forward to the video. You guys are great and best on KZbin with the best consistency.💯
@khadijahdavis15724 ай бұрын
This is great information l, thank you, I'm nearing closing on a new build manufactured home so this is all new to ne, new sub here
@JenniferBeeston4 ай бұрын
Glad it was helpful!
@j.n.81538 ай бұрын
Your hair dresser is awesome!
@DrFinancialLiteracy8 ай бұрын
Awesome information Jennifer.
@JenniferBeeston8 ай бұрын
Glad it was helpful!
@cokasin20008 ай бұрын
Hi Jen, I was approved for a mortgage and then at cost of shopping for a HOME, I paid off a delinquent acct of 800 and my credit score took a noise dive. Few 3 weeks later my Equifax score RISE supper high, but TransUnion and Experi stays low.. I closed the acct on 19 Dec 2023. Do you have any idea why? Thank you
@bimbpr8 ай бұрын
Ohh this applies to me, shoot I was about to pay off the whole loan Lol
@YourDailyRunner8 ай бұрын
Great advise
@JenniferBeeston8 ай бұрын
Thank you!
@YouTubetail8 ай бұрын
great 😂
@ashleymcdaniel82738 ай бұрын
Hey Jenn, if I’ve worked over 2 years and want to change to a tech position with more money will I still have to wait 1-2 years to purchase?
@JenniferBeeston8 ай бұрын
No if it’s the same line as work we should be fine as long as income is guaranteed etc. Sometimes if you are gettting a lot of RSU as comp but don’t have a history that could be an issue but straight salary should be zero problems. Grab a time to walk through:) calendly.com/jennifer-beeston/preapproval-q-a
@cokasin20008 ай бұрын
Hi Jen, I was approved for a mortgage and then at cost of shopping for a HOME, I paid off a delinquent acct of 800 and my credit score took a noise dive. Few 3 weeks later my Equifax score RISE supper high, but TransUnion and Experi stays low.. I closed the acct on 19 Dec 2023. Do you have any idea why? Thank you
@antoniovazquez19758 ай бұрын
Hello. What if you owe state taxes. How does that work Do you need to pay that off first ? I have a property and I'm looking to purchase a multi. Antonio
@JenniferBeeston8 ай бұрын
If you are not delinquent, or if you are in a payment plan, we may be fine but if you’re delinquent or it’s a new payment plan, it can be an issue. Happy to discuss and get the guidelines for you. Feel free to reach out. 707-478-0637
@KINTOSOL0075 ай бұрын
I got pre approved for $170,000 I had collections in my credit the I did not know I had I payed off the debt now the I paid off can I ask for a higher loan
@JenniferBeeston5 ай бұрын
Totally depends on how the lender calculated your debt to income and the type of charge offs. I would chat with your lender as they can advise best.
@KINTOSOL0075 ай бұрын
@@JenniferBeeston thank you
@AlexRodriguez-np4xx8 ай бұрын
Im using a FHA loan. What down payment should i give to get the lowest interest rate ?
@JenniferBeeston8 ай бұрын
With FHA the down payments not gonna affect your interest rate really
@Sundaydoug278Ай бұрын
Getting loan tips from a Targaryen >
@franciscotrujillo5298 ай бұрын
Hi Jenn is business office in the South Fl area?I really want to go with without a doubt,but my wife is a little concern due to the language barrier,do you have in your someone that speak Spanish,so can explain my wife the steps that we have to consider,in order to be on the right track,I got all my paper work almost ready,soon I will be in contact with Jennifer,who is supposed to review the apl.according to Sandy Cálame,thanks.
@JenniferBeeston8 ай бұрын
My office is in Coral Springs. I do not speak Spanish but the company I work for has loan officers that do so we can introduce you to one if you would like. :)
@franciscotrujillo5298 ай бұрын
Thanks Jen,we will go ahead and file that application soon.
@aaftlifemuzic15 күн бұрын
What is an ideal dti for a mortgage
@rogervaughn1428 ай бұрын
How about telling folks to be debt free (minus the car) before buying a house. Adding the debt of a house to existing debt is not smart and a recipe for major problems down the road. And my wife was told to pay off her car due to debt to income ratio before she bought her house didn’t affect the score at all
@JenniferBeeston7 ай бұрын
As a lender, we would want you to pay off the car at closing as that is lower risk to hurting the score. You are lucky that your wife scored did not drop. She must must have other lines of credit. Not everyone can say that. Yes, in a perfect world no one would have debt, but that’s not the reality in America.