Homeownership Programs - Are they Setting You Up for Failure? | Bank of America First Time Buyer

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[@shawnmariefreeman3491]

My concern is it's BOA....their reputation

[@clcoleman3839]

THIS. 10000%

[@Urbanthick]

So proud of you Shaheedah! Also the knowledge on this panel is priceless! I'm from Los Angeles but moved to Georgia in 2005. I purchased my first home in 2000 while living in LA sold and purchased in GA in 2005. I've since downsized to a condo in the city. My point is homeownership is so important. Great job everyone.

[@ShaheedahHill]

Thank you, I appreciate that. Good example of moving to make things happen!

[@imgrateful7142]

My issue was the areas where the homes were available that were on their website. I called and was directed to filter to get the homes on the site that were eligible. They areas weren’t the worse of the worst, but I would be concerned about the home values in that area. 💰 I called back to see if home I found on Zillow, Redfin etc. would be eligible for the program. Agent answered yes, as long as the were in the approved zip codes. He also said I would find pretty much the same homes on the B of A sites that I’d find on the other big sites. I did side by side comparisons and found this to be inaccurate. I saw many more homes for sale in these zip codes on the other big sites. 🏠 I got the feeling that B of A was sort of steering or trying to unload some inventory. ✅

[@ShaheedahHill]

Thanks for sharing.

[@Kamone111]

I know someone that manages property and they saw this program and they said “ now u stay away from this program”

[@sbostic08]

Why?

[@ShaheedahHill]

Do your own research, thank you for watching.

[@johnnettarodgers9205]

They only telling you that so that you don't get in on the wealth

[@Kamone111]

@@johnnettarodgers9205 wealth is not paying a high interest on an overpriced home. I can not quote the person’s exact reasons but what they told me made a lot of sense.

[@mssha1980]

@@Kamone111 how do you know the interest rate?

[@carobp3575]

Hi Shaheedah! I am a second time home buyer, but considered first time because I sold my last home in 2018. First time we bought my husband was more involved in process and I really didn’t know much about the process. This time I followed you and watched most if not all of your videos which helped me tremendously. I was approved a conventional loan and closed recently within a month and half of when I signed the contract. The seller’s title was “messy” which had to be cleared up before closing which caused the delay. Thanks so much for all your great advice. Continue making great content and merging your love for teaching with real estate.

[@lifewithkashmeere]

Congratulations to you I hope to own 3 properties in the near future 🎉

[@ShaheedahHill]

Thank you so much for comign back to share this, I really appreciate it! Congratulations on your new home.

[@laladeylaya6738]

who should perform that title search the buyer's company my realtor of the bank??? same thing for appraisal???

[@carobp3575]

@@laladeylaya6738 appraisal is done by the bank. Title search by title company

[@carobp3575]

@@ShaheedahHill your welcome Shaheedah!

[@ktsterlin9304]

I LOVE that you pointed out that difference in the couple’s credit scores. I think this is something we need to pay more attention to, also with retirement savings and investing.

[@ShaheedahHill]

Yes, I had to learn this in my own marriage so I try to point it out when I can. Thank you for watching.

[@legacy4487]

This was really good! I found myself shaking my head in agreement multiple times.

[@ShaheedahHill]

Thanks for watching!

[@ladytcup234]

Love this session with the three of you. You guys are awesome and so knowledgeable about what is going on. I am glad each one of you brought up great points and answered all of my questions. 🥂

[@ShaheedahHill]

Thanks for watching!

[@queenofdivas5494]

So true! "The greatest things we accomplish comes with the greatest fear." Mr Dunn greatly expressed. This 1st time homebuyers stuff can be a bit scary.

[@ShaheedahHill]

Thanks for watching

[@ShaheedahHill]

Thanks for watching

[@nextasypooh]

I like that Mr. Williams. Get in the game. I bought my 1st home for $85,000 in my 20s and sold after 7 yrs in and now looking to buy again. Praying this comes to Phoenix soon.

[@DietricWilliams]

👍🏿

[@kimberlyadyson1]

Also Legacy SPCP by Bill Slayton CEO/PRESIDENT is launching in Atlanta, Baltimore, Chicago, Detroit, Michigan and Philadelphia.

[@ladytracy46]

Kinda reminds me of section 8 where u are sometimes forced to move to bad areas

[@Nurseaholic]

Loved Dietric’s response to Lucy about starting with your mindset. Like other accomplishments in life, I’m going to do it scared. Dunn’s piggy back response was great too concerning credit scores affecting monthly mortgage payment, equity etc. Like you mentioned, if I choose to use a home buyer program I’ll “make the program work for me & not let the program work me.”Overall great video & I appreciate you for hosting an awesome panel. I’ve learned from this video & appreciate the great content. 💖

[@ShaheedahHill]

Thanks so much for the feedback and for watching

[@formyself47]

Thank you for doing this video , i do mortgages. A lot of blacks need to hear these exact words......

[@ShaheedahHill]

Thanks for watching!

[@nonya7025]

I'm very grateful for my new home shaheedah but can't help but feel like maybe I shld have waited for these programs

[@ShaheedahHill]

Congrats on your new home!

[@rachelbey6150]

MINDSET. AMEN! Thanks Shaheedah you are ON IT!

[@ShaheedahHill]

Thanks for watching!

[@pamelacunningham7196]

Great video so much great information because I'm in a first home ownership program in Philadelphia . But your go through a credit counseling and a home ownership workshop and you get a list of the different lenders . Plus you get educated on closing cost and they let you know about the different programs .

[@pamelacunningham7196]

@@chawanneburn5996 I'm just starting out my first workshop is on October the 8th . But I have been with my credit counselor for about two years getting my credit together and I'm happy to say that I can safely . Start the rest of the process I do know that after the first homeowner work shop which will about two hours long . I will be able to start my housing counseling . But when I signed up for the workshop they had information about the different grant programs to but that only in Philadelphia .

[@ShaheedahHill]

Congrats you are doing well and local programs are a great place to start.

[@NYCAppl3]

I love these types of videos, especially because some of the questions raised are ones that I had not considered. I did see the Legacy Loans video om the EYL channel and was under the impression that the loans are for black people and one can purchase anywhere (even though they consider the census tracking info).

[@ShaheedahHill]

Thank you for watching

[@linda27189]

Great guests! I'm going to check out their channels. If your in a position to buy and can take advantage of one of these programs ....that's a great opportunity. However, after thinking about all these new programs coming out lately.... I can't help but think of the timing. Home prices and interest rates have increased .....mortgage applications have decreased...yet here comes all these new programs. What do you think?

[@ShaheedahHill]

Hi Linda, thank you! Yes, in the end they are trying to make money with declining loan applications, but programs like this such as the Community Reinvestment act have been around since 1977 - No down payment, no PMI.

[@teneekabrown9389]

Thank you thank you!!!!!!!!

[@ShaheedahHill]

Thanks for watching

[@calciumchloride710]

Re 52:38 ("incorporate your own LLC so you can pay yourself through the LLC and take tax deductions..."): from what I've heard so far, your LLC is just going to be an addendum to your W-2 until it's making over $150k/year and can be taxed as/switch to an S-Corp (for which you can itemize deductions). It's not a magic bullet, but can help separate and protect assets if done correctly (which may involve filing through a registered agent and dedicating a business address separate from your personal address).

[@josephbelgrave4332]

Amazing info from solid leaders in the know & in the industry giving straight thank you all for overall inspiring messages....I am currently under contract for a new build and it has been a blessed process thus far & I am in total agreeance with all of the good financial habits discussed & am currently doing those great financial habits ...thank you again Mrs Hill 😊

[@ShaheedahHill]

Thanks so much

[@markburks9084]

The best way tell an area is going down: Grocery stores will pull out. Fried Chicken Shops and doughnut shops multiply. Starbucks will close down. Banks close down Pawn Shops and check cashing stores multiply.

[@emmychannel5563]

😂

[@etoshagriffin3902]

Now Mark 🤣🤣

[@DarknessFalls29]

Speaking the truth @Mark Burks lol

[@jillh763]

So true. Friend who’s a realtor and successful said look for Starbucks and Whole Foods.

[@The_Dancelegz_Experience]

😮😮😮whooaaaaaaaa

[@winnifredpridgen2620]

I need a single family home and i have some savings on still can't get a home in new york

[@leslielewis40]

A practical question for a single person who makes a regular living. There’s nowhere that I would get 15k to have sitting in reserves. I just don’t make that much (only about 50k a year). But I still have to live somewhere. So does that mean I should never try to buy a house and continue to pay mortgage level prices for rent?

[@ShaheedahHill]

Good morning, lets take NEVER out of your vocabulary. You need some savings to deal with what can happen in life, even as a renter having no savings is a risk. So you need to save something. Increase your income, get a side job and save everything from that job, move back with family for a couple of years, get a roommate, make sure you are maximizing your employment - are you underemployed, you have to figure out how to get out some savings out of your current income or gain some more income. Go through all of your expenses with a fine tooth comb - no unnecessary spending. As you save for a house, if you can use a DPA program you will put aside your house savings instead of using it all for your house purchase. When I was teaching I always had a side business, selling on Esty and Real Estate. You can make this happen! Thanks for watching.

[@radiantlibra87]

Hi L. Lewis, my situation is similar to yours. I'm a single parent making a little less than 50k who was renting, rent kept going up. It reached $1k/month so I made a decision to move back with my mom (I help mom with rent, utilities and grogeries) so I can save more money faster. I also have students loans I was paying on etc. I began budgeting using the budget by paycheck method. This allowed me to find extra money to save....saved almost 9k so far, all going to my home. I also started an emergency fund that I'm still funding. Although I know everyone aren't able to move back with mom, I think a side gig would help as well. I'm about to start driving for Instacart to bring in more money....it seems easy enough and you work when you want. Hope this helps.🙂

[@nextasypooh]

@@ShaheedahHill I along with my son moved in with family while I went through NACA. NACA failed me. I gave 110% to the program and lost homes because they didn’t follow through on their end. This sounds great but what happens when these programs do fail you? They aren’t being held accountable. Now I’m paying rent that’s more than folks mortgage. I can’t stay with family forever.

[@LondonKLuv]

Listen sis...Im a single mother as well and in a year my income has doubled. Write down your dream of home ownership, employment, income level and start working towards it. Just because it's currently a solo income doesn't mean it can't be what you want it to be. Get around people who believe in you...think a mindset of abundance...negate anything that does not align in that and walk in the direction of positivity. 💗

[@lindapruitt4634]

I had a horrible experience with Bank of America.

[@YeahmynameKiara]

I think this could be great opportunity for people who know to take advantage of it. I have no - little understanding of finances and mortgaging. I don't even know much about real estate. But I could get into real estate and dominate if I make the right moves.

[@ShaheedahHill]

Thanks for watching

[@stanmoney8470]

Great information Ms. Hill👍🏿 Your very pretty too!

[@ShaheedahHill]

Thanks for watching

[@elsieschmaltz6754]

A down payment would help them even better but they must their own down payment or enough money and to know how much exactly do you need.

[@jwalka534]

Great opportunity 🏡🏠

[@ShaheedahHill]

Thanks for watching!

[@ladytracy46]

It kinda sucks that the program is only just for certain states but I'm sure there is more programs that can be helpful

[@reneapalmer6977]

GREAT INFORMATION 👍🏽

[@ShaheedahHill]

Thanks for watching!

[@ettamoore5908]

Wow okay thank

[@ShaheedahHill]

Thanks for watching

[@jwalka534]

Uh, Dallas Oak Cliff has great areas as well...idk what part he grew up in....😌

[@ShaheedahHill]

I'm not sure, but Thanks for watching!

[@marcuslane3]

Lots of GEMS

[@ShaheedahHill]

Thanks for watching!

[@elsieschmaltz6754]

You want your credit score help bring your mortgage payment down every month.

[@tonilott8862]

We are renting but this program isn’t available in my area. We just trying to posture ourselves to hopefully buy in approximately 6-8 months.

[@ShaheedahHill]

Thanks for watching!

[@shondajohnson-ford838]

A Good Video…Thanks Blessings 🦋

[@ShaheedahHill]

Thank you! You too🙏🏽

[@allisononyoutube5794]

With my amateur experience in the real estate industry I was wondering what is the fine print saying?? Why must we stay in the hood??

[@ShaheedahHill]

Thanks for watching

[@hopetee9739]

The middle 2 (usually equal#s )of your social security most times tell who you are🤔

[@VeronicaBuckles]

where can i buy my first home where do i find these programs in virginia

[@ShaheedahHill]

You can start here - www.hud.gov/states/virginia/homeownership/buyingprgms @VeronicaBuckles Thanks for watching! Avoid Costly Mistakes by Buying My First Time Homebuyer Masterclass and Digital Confidently Closed Handbook - bit.ly/47s4pT7

[@collab4042]

That program does not require you to prove that you are an actual minority … you can purchase in an area where it’s a predominantly minority neighborhood

[@ShaheedahHill]

Correct! Thanks for watching.

[@prettyfacebundlesmoody9341]

Do they have any programs like this in the Virginia metro area.

[@ShaheedahHill]

Yes

[@tessnelson6059]

Texas?

[@deborahmoses313]

My question is 7 percent good rate

[@ShaheedahHill]

Average rates today are about 6.4%, 30 year fixed. but rates vary based on type of loan, credit, down payment, etc.

[@t-point7569]

Do not do it nothing in America is free some how some where some day you must pay

[@Jenjenn1111]

The program sounds good but who wants to buy these overpriced houses right now?

[@tbeautifulmelodies9820]

As a single head-of-household parent of two 18-year-olds working part-time, one completed school last year, and the other is in their final year. With that being said, I saved $25k. I came across a few homes in a low mid to low neighborhood, one of the houses I came across I mentioned to my agent about putting in an offer on a home that is on the market for $189,900 with an estimated mortgage of $1,470. Does this sound sketchy? Oh, with a conventional loan Shahneedah two of my co-workers closed with an FHA loan and one of their sell price was $170,000 and their mortgage is $1,700

[@ShaheedahHill]

It sounds like they are not including taxes and insurance and possible mortgage insurance with the $1470. Get a loan estimate for the full amount with the estimated mortgage payment. Here is a good video for what is included with your mortgage. kzbin.info/www/bejne/hpCtdGuYa9x-g7c

[@Artificial_Intelligence00]

For the solid payment history of 12 months, do they take covid 19 into consideration? people are just now recovering from 20-21.

[@ShaheedahHill]

They may, but it usually depends on how long your break in employment was. They will not count any unemployment payments.

[@Artificial_Intelligence00]

Ok got it thanks!

[@kathy2842]

Is it true that property already owned can be used as collateral toward down payment on a home?

[@Kingdom_Finance]

Yes!

[@ShaheedahHill]

In some instances, yes.

[@keithboyer7507]

hello.. my son is 24 years old .. credit score 760 was at his job for 1.5 years then went to another company doing the same thing…& making more money….. does he hurt his chances of getting a home loan… because he changed jobs…?

[@ShaheedahHill]

No 2 years of stable employment is what is required. It does not need to be at the same employer. Thanks for watching.

[@liaaye3126]

I paid the Ernest money but if I cancel i won't get my money back so what should I do? I realized that the location it's too far & the seller accepted my offer. Any advice please how to cancel without losing my earnest money ???

[@ShaheedahHill]

It depends on what is in your contract regarding earnest money. Have your Realtor Review the contract with you. Here is a video I did about terminating your contract - kzbin.info/www/bejne/gKLHmKx5n8qpibM

[@liaaye3126]

@@ShaheedahHill Many thanks dear

[@Jojo59777]

Is this also eligible in MA? Income debt ratio?

[@ShaheedahHill]

They gave home buyer programs in every state. I have a full list in my Down Payment Assistance playlist. Thanks for watching

[@roxannescott6956]

Hi Shaheeda interested how can I contact you?

[@ShaheedahHill]

My email is [e-mail] If you have real estate questions please put in my free FB group, link is in description. I don't do any one on one consults. Thanks for watching

[@roxannescott6956]

@@ShaheedahHill ok ty

[@ItzShannyBayB06]

I used the down payment and closing cost grant with boa. The process was easy and straightforward. If I didn’t have the $5k appraisal gap, I would have only brought $138 to closing but I did pay for the appraisal out of pocket which was $600, which was paid to boa directly . My program was similar but not quite the same. I still had to qualify for the conventional loan and my funds, credit score, and DTI was a determining factor.

[@jumpsuitsandjeans]

Did you get a below market interest rate?

[@ItzShannyBayB06]

@@jumpsuitsandjeans my interest rate was the same as the other quotes I got with smaller banks.

[@jumpsuitsandjeans]

@@ItzShannyBayB06 thanks for responding . Your comment was very helpful.

[@mranderson8725]

Why do people have to workout a million jobs to live comfort in a America evern if you’re not a big spender and great with your budget

[@RealEstatebuyNsell]

Great channel! Informative and I am constantly telling people this. It helps when other awesome people like you guys inform the people as well. Thank you Shaheeda, Dunn and Dietric.

[@ShaheedahHill]

Much appreciated!

[@sharonharvey2889]

I'm a Realtor in Charlotte and sat in on a webinar with a Bank of America mlo speaking about the program. It was very informative and I believe he did say this would count as income. I can give you his information, maybe you can do an interview with him.

[@ShaheedahHill]

Sure Sharon, thank you. You can email me at [e-mail]. Thanks for watching!

[@OmniCloud987]

Grants people, get GRANTS with your first home. This zero down stuff is not that much of a deal.

[@ShaheedahHill]

Point of clarification, they are including 10K or 15K toward your down payment. You do not have to pay that back.

[@winnifredpridgen2620]

But moving to other state what about jobs and how to pay your monthly payment

[@ladytracy46]

That's right because I can afford Louis Vuitton but I can't see myself spending $5000 on bag that i wont use that much when I can put that same 5,000 on a house or something thats gonna last a life time that's how I live I wasn't born into money but i have a lead way so I do what I think is best like a reliable car to get back n forth to work something like that but now I'm looking to purchase so my kids if God forbid something happens to me they'll have a roof over their heads

[@ShaheedahHill]

Thanks for watching!

[@quietstorm6710]

Hello. Adding a comment that I heard from someone. Make sure that you don't work less than 40 hours especially during closing if you started with working 40. Keep your hours the same unless you are salary and it doesn't matter. I agree with Dietric. When I first heard about bofa, I thought someone is saying.....lets see if we can dup them again. And cruelty would be the point. And this was a good video. So informative. I've learned so much. 🤗

[@efrain926]

If the neighborhood has a pawnshop or check cashing place, get the hell out of there. As for me I'm done buying homes forever, happy in my apartment saving most of the money I make. Don't be a slave to a mortgage. If you need special assistance you have no business buying.

[@winnifredpridgen2620]

What about new york ,nobody do nothing on for new yorkers

[@1-blackcakequeen778]

Besides NACA and USDA what's the best first time home buyers program for lower income applicants in Maryland?

[@ShaheedahHill]

Here is the video for the best programs, including the best programs in every state - kzbin.info/www/bejne/hJirh2inoNuGiMk

[@winnifredpridgen2620]

What happen to new york

[@ShaheedahHill]

New York has a lot of unique regulations so that is why some programs are not available there. However, NY has state specific programs that may work for you depending on where you live. www.hud.gov/states/new_york/homeownership/buyingprgms

[@winnifredpridgen2620]

Yes i want to but please let me know if i can get it new york or ho will i goes to for that help

[@sbostic08]

Texas ain't that great ...lol

[@jillh763]

I’ve followed Dietric too and really liked his insight when I was using the NACA program that unfortunately didn’t work out through no fault of my own. A lot was communication related in an already slow process. I’m interested in knowing which program NACA or BofA appears the better program? Do non buyers (college student)living in the home have to provide their personal income, debt, and volunteer as members to promote the BofA program like with NACA that required in 2021-2023 for all home residents? What should I look for in a credible first time homebuyers education class? I’m from LA county but now live in Placer county outside Sacramento.

[@ShaheedahHill]

@jillh763 Thanks for watching and sharing

[@luischumpitaz8883]

Isn’t the new legacy program only black and white violation of fair house right? Because if the way around people would’ve complained or called out about it

[@ShaheedahHill]

If you look into most of this programs they allow anyone to apply. @luischumpitaz8883 Thank you for watching

[@trenacoleman9592]

When I spoke to a BOA mortgage rep he advised its not the county its broken down to the demographics around the house address. This scared me since I do not know if it's the owners or renters in the house which could lead to buying homes next to section 8 homes. I agree everyone should have a nice place to live however I feel you appreciate more what you pay for.

[@marcuslane3]

Cant determine whats a Sec 8 home or not unless its in a "Project" you cant tell its not posted Section 8..lol

[@dorothywebb440]

I’m lost as I have not heard about this program and I need more information about this program as I’m in Texas and reaching out to lenders to see about eligibility

[@ShaheedahHill]

Thanks for watching!

[@t-point7569]

It’s a big trap 🪤

[@ladytracy46]

I'm confused about them looking into rental history due to most rental history is not on your credit report not less u go thru boost or some other resources so can you get letters from rental offices whom youve payed your rent to prove you've paid rent on time?

[@ShaheedahHill]

They will look at your bank statement to see 12 months of payments or if you are paying with another method they will use that.

[@ethan3942]

You guys are great 👍 so glad I watched this one!

[@ShaheedahHill]

Thank you Ethan , I appreciate you watching.

[@godschild5189]

I don't trust BOA at all!!!!

[@1_South_Business_Services]

Banks are into making money usually they sell newer mortgages to other financial loan services. Nothing to fear just do your own reserach.

[@fatimamanneh9432]

If a person has debt it isn’t going to get rid of it people just pay off your debt & save for the down payment for a house/ condo that is exactly what I did no quick fix is going to rid of bad credit

[@shawnysmith8107]

I came across your channel, glad I stopped to listen. This was exactly what I needed. I live in California, rent up the roof. I definitely need to lock in a set mortgage. Dietric, I need help! 😁

[@fatimamanneh9432]

I understand I live in Washington state been saving for 3 years for a down payment on a house just waiting for the right time in the meantime I paid off all my debt

[@ShaheedahHill]

Thanks for watching, happy you stopped to listen as well. Reach out to Dietric, he can help

[@kanishabenton2090]

Good Day Mrs. Hill , 🤗 Silent watcher here.. Great Info as always... I've watched almost all of your videos - I'll be 50 this Oct and I'm looking to buy my 1st home (in GA) in 4-6 mos. 1099 income - 750+ FICO - DTI 0% - $$ Savings Will a Conventional loan be best??

[@ShaheedahHill]

It sounds like you will qualify for conventional based on your DTI and credit score. However, you should always quote both Conventional and FHA. Typically conventional will be a lower cost loan but the initial interest rate may be a little higher than FHA. But remember FHA mortgage insurance is for the life of the loan, with conventional you can get rid of PMI once you have at least 20% equity. Best of luck!

[@kanishabenton2090]

@@ShaheedahHill Thank You!!!! I'm looking to avoid the PMI for the life of the loan.. Another question ⁉️ Will I be able to use the DPA to avoid the PMI?? Do you have a video on that I can watch?? Thank You again & YOU TRULY ARE A BLESSING FROM ABOVE!!! ** The Feds just raised the rate again Should I hold off on buying until the end of the year??

[@alexandertorro]

Nobody ever on the planet earth.. .has ever done something to help someone one sided ... .........WITHOUT an EXPECTED reciprocated return favor!

[@highlyfavoredMG]

I am the exception then I do for others all the time without expecting nothing in return.

[@samanthiagoodleu5055]

Thanks for educating I work in the industry and see the other side and people are struggling to keep their homes.

[@DarknessFalls29]

@Samanthiz Goodleu, could you elaborate more on what you "see on the other side" just curious on the struggles. Thx.

[@samanthiagoodleu5055]

@@DarknessFalls29 Yes, programs are offered with low down payment or no down payment but being educated on property tax increase and other fees are really never touched on especially in new developing areas. Low to the new middle class are really only offered opportunities when the banks have a need for new business. When the interest rates were low they never said we want to offer this very program.

[@DarknessFalls29]

@@samanthiagoodleu5055 Ah. Understandable. Thank you.

[@kalexander5114]

MY HOME. 30 YEAR FIX 3.5 INTEREST. $250,000 WITH $20,000 DOWN. ♥️. BUT FOR SONE REASON MY HOUSE PAYMENT HAS GONE FROM 1500.00. TO. 2200.00 SINCE 2020 WHY!!!! WHY!!!! DO MY PAYMENT KEEP GOING UP THE HOME INSURANCE WENT DOWN $1,000. TAXS WENT DOWN. $ $100. WHAT GIVES

[@ShaheedahHill]

If you have a fixed rate the only thing that can increase your payment is your taxes and insurance. Its likely that those were underestimated at closing. Look at what you have been putting in your escrow account each month and what your bills actually were. Your escrow account is evaluated yearly and they send a statement explaining any increases. Print out that statement to evaluate the increase. Thanks for watching

[@1113MACK]

I'm so glad you hosted this session!

[@ShaheedahHill]

Thank you for watching.

[@ourownbeautiful423]

The bank needs money and don’t want to destroy current home and location value. Regular mortgage for desired areas still exist. Bank of America 🇺🇸, isn’t a American bank, I believe it belongs to English 🏴󠁧󠁢󠁥󠁮󠁧󠁿. How is their economy 🤷🏾‍♀️. It’s rocky over here.

[@gratefuljones1997]

They are trying to regentrify Oak cliff. Even the older homes. Right over the bridge on Hampton they have built those row houses everywhere. These are regentrification loans.

[@o.9763]

Bank of America was the worst! The lady assigned to me was horrible at communicating. Now I'm in closing with a private broker...

[@ShaheedahHill]

Congratulations!

[@ajon5304]

My concern at this point is inflation & interest rate creep and not lifestyle creep.

[@jonisaac4129]

I love all your content.

[@ShaheedahHill]

Thank you so much!

[@lady_firesign5076]

I am a newly divorced woman who is trying to purchase a home I don’t qualify for first time homebuyers, I have amazing credit , are there any programs for me ?

[@ShaheedahHill]

You may qualify some programs consider you a first time buyer if you have not owned a home in the last 3 years or if you don't currently own a home. Here is my DPA playlist - you can find programs for your state here- ▶️ My Down Payment Assistance Playlist - kzbin.info/aero/PL6YdU_zvybVlW1EhDSBF4h4VC3EbHf7g8

[@lady_firesign5076]

@@ShaheedahHill unfortunately my name is still on the mortgage of my current home waiting for my buy out .. thank u for getting back to me

[@The_Dancelegz_Experience]

The amount of knowledge on this panel and in this video is worth so much thank you all for doing this

[@ShaheedahHill]

Our pleasure!

[@marcuslane3]

Legacy is only for 6 cities accross US according to website

[@toneygreen7069]

Great Convo and content. very informative.

[@ShaheedahHill]

Much appreciated!

[@igotvictory3591]

Veterans should not be paying closing cost either.

[@ShaheedahHill]

Agreed, thanks for watching.

[@igotvictory3591]

@@ShaheedahHill you are welcome. I did not watch the live but I did go back and watch the replay. Yes I watched it until the end. Very good information and I really enjoyed it. Thank you for bringing amazing information that we all need to know.

[@Listella.]

Great content! Thank you for sharing!

[@ShaheedahHill]

Thanks for watching

[@shelraysam6366]

I live in Oxford Michigan from the Bay Area. Move here because of the cost of living. Is there a program here in Oxford Michigan for a single mom with first time homebuyer?

[@ShaheedahHill]

Every state has down payment assistance programs for first time buyers. please look at this video for a link for your state kzbin.info/www/bejne/hJirh2inoNuGiMk

[@kimberlyadyson1]

So I wondered about this program as well. Are they trying to put us all in one area and trap us in then we when we try to go back we can't? I looked in all five cities they are launching for a price range of $200-$250k and LLC I pulled up were shacks. I don't understand. I could not find ANYTHING in my range that I would even consider moving into. Now if it is the entire county then I can expand my search more.

[@whatisthis27]

If a mix of people move into a area similar to gentrification with a mix of incomes that could automatically increase values or no?

[@ShaheedahHill]

It depends on the area and what other things they are doing to develop it. Thanks for watching!

[@geesaidit541]

Great closer look at these programs and general advice!! Thank you!

[@ShaheedahHill]

You are so welcome!

[@saymodaymo]

Last second money grab for banks, knowing the crash is coming and going to b long and hard. (pause0

[@zawanajohnson9801]

Do they offer this program in Georgia

[@ShaheedahHill]

No, but if you want a list of programs available in GA please go to my down payment assistance playlist with links for every state.

[@nextasypooh]

Thank you for sharing great information!

[@ShaheedahHill]

Thanks for watching!