How To Save For A House While Renting An Apartment | How Much Money You NEED To Buy A House

HOW TO SAVE FOR A HOUSE WHILE RENTING AN APARTMENT // HOW MUCH MONEY YOU NEED TO BUY A HOUSE // HOW TO SAVE MONEY WHILE RENTING A HOUSE - Secrets of a mortgage loan officer! I'll tell you HOW to save for a house while renting or living at home, How MUCH to save, and How LONG you should save to buy a house.
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This video is about HOW TO SAVE FOR A HOUSE WHILE RENTING, how to save for a house while renting an apartment, how to save while renting, how to save money while renting a house, how to buy a home for the first time, how to save money for a house on a low income, how to save money, how to buy a house at 18, save money tips, how to save for a house,SAVE for a house, how much money do i need to buy a house, how much money do i need to save to buy a house,how much money you need to buy a house

[@CIARAELAINE]

NEW to home buying? START HERE ------------------> kzbin.info/www/bejne/bIO0oHV9mN2kapo

[@Cvs-om3hd]

Thanks, very clueless of the process

[@itsGabrielaCristina]

Meal planning and buying groceries online have been game changers when it comes to my spending. I have also enjoyed trying new recipes. I’m saving $500-$800 a month just by being super strict with my budget! 😯

[@CIARAELAINE]

That's awesome! Where do you grocery shop? I find this makes a huge difference too. I need to stick to ONE or two stores that have good quality with organic food but not too expensive.

[@laressathompson6858]

CIARA ELAINE hey Ciara!! Thanks for another amazing video!!! As far as grocery shopping try downloading the app “Flipp”. You can access all local grocery stores. It helps me to browse and make a detailed list & plan my smoothies / meals based on the sales. It’s helped me tremendously!!

[@itsGabrielaCristina]

@@CIARAELAINE I usually shop at Supermax. I find the variety to be good and I can definitely find good quality food. I worry less about finding the cheapest deals in different stores because if I don't stick to one, I end up getting more things than I need

[@kthename08]

I'm working on doing this now 👐

[@mateograndpa1760]

3-5% of 600K here in California ghetto can seem impossible 😆

[@nate7878]

I needed this video this year going be my year to own my first Home 👍🏾

[@CIARAELAINE]

Yay! And congrats! What other videos would help you learn more about the process? Also where are you buying?

[@NaturallyGifted77]

Me too!

[@Noladiamond01]

Same here

[@GetReady4Bed]

I’m buying in Maryland. I’m saving for my first home too! ☺️

[@WellBalancedWallet]

We just purchased our home a few months ago. Meal planning was a game changer for saving money!

[@talibahonyoutube]

I closed on my townhome on 12/3/2020, bought lower than my pre-approval which was a great strategy💗💃🏾....this video is so very helpful and accurate. Definitely sharing this with others.

[@mackenzierivercasey6752]

I've never heard someone talk about saving in such a straightforward yet informative and non-repetitive way! You came across very genuine and you are organized AND you post all of your "secrets" for us beginners to start opening our minds to! Thank you Thank you! So inspiring!

[@krissyjames2204]

Wow. It’s refreshing hearing a video and feeling like your talking to me. I’m currently living back home so I can pay off debt within the next few months so I can move out and save for a home. It’s definitely a big sacrifice. It was uplifting hearing your ‘before’. Thank you for sharing and the tips.

[@CIARAELAINE]

I'm so glad this was helpful! You are smart to stay at home while you need to and reap the benefits of using your income to pay off debt. A few months is such a short time in the grand scheme of things. Your future self will DEF thank you. Smart girl! Where are you from?

[@ltwadley7619]

You're lucky because you're a woman. Men can't just move back in with our parents. It's considered a weak move in our society

[@beckstarr6726]

@@ltwadley7619 weak move until you own your mansion. Eff societies standards. Most of "society" has no assets or goals.

[@MrsThollo]

@@beckstarr6726 Exactly. As much as I wanted to downsize (from lg apt to owning a small condo) in the coming months, I told my 2 sons to make the move with me and save money to purchase their own property when they're done with school and are financially stable. They don't hv children and aren't irresponsible slackers, so what's the rush? Should I decide to relocate, they can rent it or buy it from me then sell it when they can afford a new home or rental property. Screw what ppl think and if a woman doesn't understand that they're preparing for they're future, then they need another woman. Lol

[@krissyjames2204]

@@CIARAELAINE Thank you so much, Ciara ✨

[@serginacarroll5220]

Thank you!!!! I’m currently renting and needed help in saving for a home because I’m tired renting! This video was helpful!

[@Amorantasia1]

Thanks so much! I’m in the process of building a home & I need these tips!

[@byrontynerjr.2576]

Great advice. I’m 33 and moving back in to my parents home to save for a few months and then close on a home. I ideally don’t want to move back home, but it’ll definitely benefit me 😊

[@Mizzbabyblue12]

Thank you for making a video about this topic! I'm currently in the process of saving for my first home.

[@CIARAELAINE]

You're welcome and that's awesome! Where are you buying?

[@Mizzbabyblue12]

@@CIARAELAINE I live in Toronto, Canada so I'm thinking outside of the city because the price will be way cheaper!!

[@CIARAELAINE]

@@Mizzbabyblue12 OMG I loveeeeee Toronto! And yep you've got the right idea! ;)

[@erinberry2778]

Me too! In Maryland. Great video!

[@kimilyteixeira9162]

I appreciate all the advice you are giving. My early adulthood was a mess (financially) so now that I'm ready and want to buy a house, I have to fix my mistakes from when I was younger. You definitely gave me a perspective on what I should be doing as for saving and being prepared for closing costs and etc. Thank you again so much, and I'm proud to join the family.

[@siancabrini]

This video is perfect. We are planning to buy our home this summer! Save, save , save!!

[@CIARAELAINE]

Woot woot! CONGRATS! Where are you guys buying at?

[@siancabrini]

@@CIARAELAINE Thank you! In Louisiana! We are looking into a conventional loan.

[@KrystleGourjuss]

It’s best to save like $15,000 - $20,000 I’m thinking to be more comfortable and to get everything you would need. Everything you’re saying is so true. I watched my mom buy her house decades ago. She actually was a single mother taking care of me and my sister. She didn’t have a whole lot saved. But she brought new items early before we moved in lol.... it all ended up working out. Also she had to purchase a new refrigerator 🤦🏾‍♀️ everything you’re saying is so true. Thanks for sharing 💗

[@saritamoorebansa4485]

Hi . Awesome video... you are the 1st person who mentioned closing cost / miscellaneous cost / importance of a emergency fund. When I bought in my house in 2005. I was so native .... We had a surprise of having to pay our annual home insurance in full. We had to buy a lawn mover and snow blower too. 😍🥰 My parents helped us but we still were struggling a little bit because we still had living expenses ( kids/daycare... etc)

[@coralrose6506]

I am loving your hair and makeup 😍🔥 now back to the video

[@CIARAELAINE]

LOL thanks girl! I didn't brush my edge control in all the way and it is bothering the cRAP out of me but glad you were able to overlook it and get the content from the video:)

[@yulondame1716]

Sad I wasn’t ready to buy during these great interest rates but hopefully next year I’ll be ready! It’s a VA loan for me.

[@ashleythetherapist7831]

Same!

[@missjones8123]

Mahn Saving while renting is soooo hard! But im trying to pay off debt first

[@CIARAELAINE]

It def can be! But you're doing the right thing by lowering debt first. How long do you think it will take to pay off/down?

[@NaturallyGifted77]

So true!

[@MsInspireTooBeInspired]

@@CIARAELAINE do you feel like a person should just pay each creditor or consolidate it?

[@symonerae07]

Depends on your interest rates! But definitely don’t pay a “debt consolidation” company to do it for you. The vast majority of them are SCAMS!!

[@mackenzierivercasey6752]

@@symonerae07 I messed up my credit with student loans when I was really young and ended up having to work with a consolidation company just to get it out of collections. As long as you put up with the high rates....and pay them up for at least half a year or so, you can go to your bank and from there (hopefully) now that your credit is better get a consolidation loan through them. It's not pretty...but it's better than gambling or selling everything you own in hopes to pay it all up front... or selling your soul to pay it off while still keeping a low credit. I definitely recommend if someone has a big loan in collections to try some of those companies and do their research on them if they think they can keep up with the payments....it feels like a chance at life again. I wish I knew more about spending and credit when I was younger!

[@courtneywalsh1028]

Thanks for your awesome video. Using ur tips to save for my own property for next year. Can't wait

[@bloodbunny101]

I love your home buying vids. I’m looking to buy a home now too for the first time. Judy starting though. Contacted a lender yesterday. Everything is so confusing. But thank your for giving this advice ❤️

[@Soshesaysjessica]

I have the coins saved, but my credit took a big hit in 2019 when I got behind on my car note. I’ll have to rent for a few months, hopefully later this year-early next year though.

[@shonnieShon]

Thanks for this information, just got engaged this month planning for a small ceremony and trying to buy a house. OMG I need a blessings !!!!!! lol

[@CIARAELAINE]

CONGRATS! Me and you are in the SAME boat. Trying to get our home buying plan squared away also. I love the idea of doing a small ceremony, especially right now with the pandemic. That money is well spent towards buying yalls first house. You guys are smart! Where are you guys looking at buying?

[@shonnieShon]

@@CIARAELAINE Ty ! Congrats to you and yours 🎉 I live in Charlotte NC I know the community I would like to live in I’m just in the process of working to build up my score for a better payment .

[@MrsThollo]

Love and appreciate the follow-up with your viewers. You seem so genuine and helpful. ♥️

[@aungnaingthu9528]

Thanks for shared ur grateful experience ..im really appreciated it and helpful ✌️✌️

[@joan90ross]

I'm renting and so tired of it. I'm ready to buy and I believe it's my year!!! Working on fixing my credit

[@bethjohnson8800]

Hi Ciara! I absolutely Love your channel, and I am so grateful for the invaluable information that you provide! My question is concerning inspection fees and appraisal costs. I am planning to purchase a home in Okaloosa County, Florida, and I was wondering what might be a ballpark figure to save for these costs, and are they usually the buyer or seller's responsibility? Thank you so much in advance, and God Bless!!!

[@thediva17]

I needed this thank you so much you help me out a lot every video listening to you I been saving looking at all me bills and debt and trying to figure out everything

[@CIARAELAINE]

I'm SO glad it helped!!! Def let me know if there is any other videos you want me to do?

[@alishyiabrown7313]

Thank you so much for the info and I just find your Channel sending light and love 🙏🕯♥️

[@Joylove58]

Thank u so so much this video was so helpful am growing an learding how to save a to buy my first house am happy to get started thank u so much very education an love your makeup ❤

[@lmhxix]

I'm trying to buy a home now and found myself stumped with how much more difficult it is to get approved for a loan than I initially thought. Those student loans are killing me! I decided to wait a few more months and in the mean time I'm moving back in with my parents so I can save probably most of my monthly income. You weren't lying about sacrifice!

[@msv3630]

You're the Queen and MVP for this! Schools and not even most parents would care to bother teaching their children these essentials. Not even taxes.

[@jazzcbudgets]

LOVE LOVE LOVE THIS VIDEO! I love how you broke it down and made it so simple. THANK YOU!!!!

[@CIARAELAINE]

You are SO welcome! That makes me really happy that yall are absorbing all this info. I wish someone had taught me these things so I'm doing my best to pay it forward! Where are you from?

[@jazzcbudgets]

@@CIARAELAINE I am from Texas. Specifically, DFW.

[@shantedewise7345]

Sorry this is off topic but you are so pretty.. and also great tips!!!

[@Tasteofthegoodlife29]

Just passed my SAFE exam 4 days ago!!!! I watched all your videos before buying the 20 hour course. I have a job lined up in 30 days. I’m excited. What should I do to prepare in the meantime? My new boss is having me read a book, about realtors. He told me I should understand that as I will be working with them.

[@sucoyawalker5536]

Which book did he recommend? I would love to look into it as well

[@vjdavis146]

I’m like sponge Bob, I’m ready, I’m ready, I’m ready! This is a synchronic moment for me, I have been manifesting ownership of my own home along with making more money and sacrificing for the long haul in a short period, PERIOD! Thank you for doing this video, it was right on time for people who appreciate what you do!🙏🏽🙌🏽👍🏽💪🏽🌈💃🏽😇🦋♥️🎁

[@CIARAELAINE]

Congrats! You are so welcome and I know the sacrifice will be WELL worth it once you are in that brand new home! What other topics or videos would help you?

[@KBeautyNyc]

This has been on my heart for months now. And im so hlad i just came across this video.

[@steelers64]

My sister you are giving out some great information thank you so very much

[@TeacherJasB]

I’ve been watching your channel and o don’t know what took so long to subscribe. But I’ve done it today. 👏🏽

[@acestarone]

all of your videos are packed with info. i just love them. i am fulfilled. it's encouraging

[@shavonnefriedlander2483]

This is so very helpful luv it.😊

[@Misha216]

Your videos are so informative and you explain things in a way I can understand, so kudos to you! I've been manifesting to purchase early next year. I just moved into my new apartment and I don't want to rent anymore; let's not talk about the moving truck cost 😪. This video came right on time. I knew I would need to save, so at the beginning of the year I chose to do a Save $10k a Year Challenge. In addition I've picked up two side hustles with a third one in process. I'm trying to make that money back and buy my home. But thank you so much for these videos!

[@CIARAELAINE]

GIRL! You da GOAT. I'm so proud of you. You are going to be very successful in the home buying process I can tell 🙌🏽🙌🏽 Where are you from?

[@Misha216]

@@CIARAELAINE thank you so much, that means a lot 🙏🏽 🤗! I'm trying. You're right, it's not easy but small sacrifices will make it worthwhile in the long run. But I'm in Northern Virginia.

[@mayarogers63]

Definitely needed this!! Starting this buying process very soon!!

[@reffa2858]

That example made me chuckle. Buying a home for 100,0000$! I wish 😂

[@plannercraving]

I loved this video! So much to look at. Thank you for this video

[@astoldbyasha]

Thank you for all the information you have blessed us with. This definitely motivated me more to keep saving, budgeting and spending less to get my home!! 💕💕

[@CIARAELAINE]

Yay! I'm so glad! That is why I do this. I love that our generation has become such a "Wealth" (pun intended) of knowledge about these things. Where are you from?

[@astoldbyasha]

@@CIARAELAINE I am from South Carolina

[@afoxx750]

Thank you so much! I needed this for sure.

[@daramadden7385]

Great information and relatable!!! Thanks for the video💕

[@CIARAELAINE]

So glad you like it! What else would you like to see me cover?

[@MsStarryNights]

Hi Ciara! Question. I’m looking to possibly get my first home by end of the year, however, my husband and I have some debts to pay off. Realistically, I don’t expect them to be 100% paid off by end of the year, but either halfway or almost. Because of that it will be hard to save for closing cost and furniture (I’m using my VA loan so no down payment). Would you recommend that I focus more on savings for that and once I get that done, then continue to pay off debts? I’m just wondering how we would look to lenders having credit card debt (I’m around the 42% mark of available credit that needs to be paid off)? I do know we at least meet the guidelines for credit scores and nothing is in default on our credit. Thank you!

[@loveofmylifedance]

Congratulations on the rebrand!!!

[@CIARAELAINE]

Thank you so much!!! You must follow on IG! haha

[@loveofmylifedance]

@@CIARAELAINE yes ma’am! I’m a long time honey bee! Love love your content then and now!

[@CIARAELAINE]

@@loveofmylifedance Thank you so so much! What's your name on there?

[@loveofmylifedance]

@@CIARAELAINE it’s my pleasure! Your evolution has been so incredible to watch. On Instagram I’m @therealmakaykay 🙈

[@krystlepreston5024]

Awesome video very informative on so many levels thanks Ciara 💕

[@Lilrocfamily]

Great video and tips cause Keep up the good work 💜💯

[@MariaAndersenCrypto]

Well done 👍🏻💰💰💰

[@CIARAELAINE]

Thank you! Where are you watching from?

[@LadyRoss12]

Thank you sooooo much for posting this I’m a single mom and plan on buying a how but didn’t know where to start. I also want to get into the real estate business! Any other pointers you can give me!?

[@CIARAELAINE]

You are so welcome! I hope you can also check out my other videos I put a TON of info there which should help also! And I even have an LO playlist if that is a job that interests you. What specific questions can I help you with that I may not have already covered on this channel?

[@Jhene_Simone]

This is gonna be me in about a month. Thank u!

[@CIARAELAINE]

YES MAAM I love to see it! Where are you buying?

[@michelleleonard5296]

Can you do a video on what paperwork we should start getting together, bank statements, w-2s etc...

[@jadecummings8093]

Hi there miss, good to see you today and happy 2021!

[@CIARAELAINE]

Happy 2021 to you too love!

[@WealthbuilderzTV]

Thanks for the awesome tips

[@CIARAELAINE]

You're so welcome! Any other video topics, ideas, or questions you have that you want to see?

[@Life23Live]

Hello ! Love your videos . Me and my husband been renting apartments for 3 years now next year we want to move to Jacksonville FL . We are saving but Virginia is expensive. We are thinking about renting another apartment for a few months then start the home buying process. It's just a big move and we have good credit so I'm not worried . Just alot to think about !

[@kennethwalker7935]

Great video! Thanks for the info

[@mashamacoger635]

Thank you so much for all of this info. I have been binge watching and taking notes. 💖💖 I have a low credit score and I’m trying to build it back up, should I get 2 secure credit cards or just 1? I just recently decided that I want to buy a house, but I have very little saved and a low credit score. It’s feels overwhelming, and I feel like it’s going to take yrs to save however, your videos gives me a lot of hope. I CAN and I WILL do this! I’m planning on getting a second job. Thanks for all that you do. Sending love and blessing from Illinois!

[@moniemone1062]

Very Helpful thanks for sharing

[@CIARAELAINE]

You're so welcome! What else would you like to see?

[@moniemone1062]

How to get started investing in stocks for beginners

[@lifewithsieraj]

Do you have any advice for anyone trying to buy investment properties or second homes so the first one can be rented out for an income stream? Love your channel ❤️❤️

[@CIARAELAINE]

GIRL! It's literally being edited as we speak and should be next week's video!;)

[@lifewithsieraj]

@@CIARAELAINE thank you so much I’ll be tuned in for this! As a working grad student this information is vital for me.

[@CarasPlace]

Thank you for sharing 💕 your advice/tips are great!

[@CIARAELAINE]

Thank YOU for watching! Where are you from and what other videos would be helpful for your situation?

[@CarasPlace]

@@CIARAELAINE I’m from Alabama. I’d love an in depth video on investing, apartment hunting 101- things to ask the apartment leasing consultant, advice to my younger self- tips, things you’ve learned, and general advice you’d tell younger Ciara. 💕

[@SandraSmith-if8vr]

I really appreciated this video. As alwayas, a very good lesson. Much to put in practice

[@hadassahlives2060]

Love this because I was thinking of saving 10k for my first home purchase so this is perfect!

[@sandracoulbourne6701]

Thank you for all this helpful information.

[@CIARAELAINE]

You are so welcome! What else would you like to see?

[@LorraineandCo]

Amazing! I'm buying my first home this year!

[@cachaygreen9641]

This was great!!!🙌

[@daughterofhis9600]

Very Helpful! Thank You!

[@1Callmejen]

This was good info... thanks. Do you have videos on different home buyers programs? I know it varies from state to state. I’m in GA

[@CIARAELAINE]

Hey girl hey! Thank you! I'm so glad you got something from it. Yes maam. I have a TON of home buying videos on this channel and I do loans in GA lol ;) What else would you like to see that I may not have already covered?

[@1Callmejen]

@@CIARAELAINE I’ve been going through the videos you have A lotttttttttr of content and it’s so helpful ☺️. Do you have any videos on some programs that give new future home owners money when buying a home ?

[@shermanehylton4518]

Thank you so much, your video is very informative 👌

[@msblue2you2023]

Love this video! Thank you so much!

[@Iamaaliyahdesarae]

Hey Queen! I love your videos. I do binge watch 💖 im saving now & getting my credit cleaned up! What state are you able to help get people a loan. I would like to use you. How does it work?

[@doreen8855]

🌹🌹🌹💙💙💙💙👍👍hayyyy girl thanks again ur vidz is da blueprint....

[@CIARAELAINE]

Hey girl hey! You are SO welcome! Where are you from?

[@doreen8855]

🥰 Columbus Ohio.... I love your content and congratulations on the engagement 💗 🌹 if u have any property recommendation I love to learn. Also I really think atlanta has some of the best homes for the lower prices I'm considering moving...... Thanks again for responding 💜🌹

[@CIARAELAINE]

@@doreen8855 Get out! That's where I'm from!!! Where did you go to high school?

[@CIARAELAINE]

@@doreen8855 YeS! Atlanta is poppin!

[@doreen8855]

OMG 😳 really!! I went to westerville south high and a year at east high School I'm definitely getting outta here now🙂🌹 u gave me some extra push girl thank you!!

[@jazz_renae]

Thank you for the tips! I will be buying a home this year!

[@laquinademarest1715]

What are your suggestions on where to keep the savings.

[@CarasPlace]

✨💕 I’m aware you’re a full time mortgage loan officer so your content is geared towards that audience, but I’m looking forward to renting my first apartment soon and I’d love to hear your tips.

[@CIARAELAINE]

Yes maam! Go watch this video :) kzbin.info/www/bejne/aWqrg4SLgLusnbc

[@holleelifestyles2844]

I love that Im on your email list because I didnt get a notification of your new video💕Love this info doll! Its all #GirlBossmoves in 2021 💕

[@13ikea]

I would also include all appliances and possible hot water heater with the extra costs.

[@charlenemorgan8299]

Hello another great segment ❤️

[@CIARAELAINE]

Thank you so much! Where are you watching from?

[@charlenemorgan8299]

@@CIARAELAINE Jacksonville Florida getting ready for home purchase just boosting score 🥰

[@xoxpctxox]

If there is one thing I am learning from your videos Ciara (apart from the financial lessons) is your love of al things pink!! 🤣

[@chellester101]

Thanks for the video! Love the advice and tips! I am on a journey to save for my first home 🏡 in a few years 🖤

[@CIARAELAINE]

No thank YOU for watching! That's so exciting. I love that you've already started saving and doing research on what to do. What kind of house are you planning to get? Like a starter home or your DREAM home?

[@chellester101]

@@CIARAELAINE this will be my very first home 🏡 I’m not exactly sure if I want to get a starter home then save for my dream home or just go ahead and save for my dream. I plan to buy in 2-3 years. I am still researching houses in my area ranging from 100K-350K so I am looking between 200-300K right now!

[@Love-dd5cp]

FHA loan,USDA loan,VA Loan,Conventional loan. Are the ones I’m familiar with!

[@kat_Carebear007]

Thank you this helped💕 can you do a VA loan video? Please 🙏🏽

[@Leahraey]

Thank you so much! This is right on time. 🙏🏽

[@GetReady4Bed]

So grateful for this video!! I’m so motivated to hustle and get aggressive with my savings! Thank you!!!

[@BrittNBee]

This was Great!

[@NaturallyKyrah]

Love your videos! So question, I know that it’s ideal to have two years at your job or in your field, I spoke to someone that said my one year of schooling with medical billing and coding would count towards those two years but because of Covid and schools being closed and not having childcare I haven’t been able to get back to work until JUST now so I have a bout a years gap. Our situations like this take into account or do you think I’ll have to start my whole two years all over? (Hope that makes sense)

[@shadorismartin]

Hey Ciara! Could you do a video on how lenders look at VA loans for people who are transitioning from active duty military to civilian? (I.e how long you need to be on your civilian job after transitioning, the type of job)

[@CIARAELAINE]

Ah GREAT question! I am really overdue for a VA video and I will def be filming one in the near future. But for point of reference if you have 2 years in the same line of work you should be more than fine!

[@CIARAELAINE]

When are you looking to buy? And def send me any other video ideas that might help you!

[@shadorismartin]

@@CIARAELAINE my husband and I were actually looking to buy back in November/December. We are both active duty military. But, we were told that since we would be within 12 months of ETS when we closed we need to show proof of a civilian job. But of course, we don’t have proof of civilian employment because we have about 13 months left in the military so it’s too early for us to solidify civilian jobs. Also, we are stationed in Texas but we want to buy in Georgia (that’s where we are from and will be going back too after we ETS). We were told that’s an issue as well. Ready to buy, just in a really bad spot as far as those circumstances go.

[@nourishnneka]

New to your channel! I have a video request :) Could you please give advice for people living in HCOL (high cost of living cities)? i.e. NYC, LA, SF, etc. I have been preapproved for ~$500K but in NYC that doesn't go very far. Would love you know your general advice :)

[@CarasPlace]

You’re so knowledgeable 💕🧠

[@CIARAELAINE]

Thank you! You're so pretty! What else would you like to see?

[@CarasPlace]

@@CIARAELAINE Thank you! 💕

[@darenn9073]

Hi Ciara, New follower here. I love your videos and I love pink. Question, we are a family of 4 living in socal and we are planning to move to the Austin area. We have a some debt but we are able to pay for our rent/utilities at $2100 a month comfortably. My husband as a low credit score and high debt and I nearly have a perfect score and low debt. Combine income is just under 100k. Can we buy a house and skip renting?

[@CIARAELAINE]

Thank you! AnyONE can buy. It's just a matter of how serious you are in preparing when you aren't able to get approved. Now in your situation, I couldn't tell you whether you would be approved or not or for how much without much more detailed information. If you're buying in TX, want to use me as your lender, and want to do a pre-qualification just email me with pre-qual request in the subject line. My email is in the description:)

[@Mozart2024]

After 2008 mortgage melt down. Picture🖼 20% down payment. 2 years job stability.

[@lovecharnelle]

Thank you for this!

[@JNorahz]

awesome video

[@CIARAELAINE]

Thank you!!! Come back and visit again lol What other videos would you like me to film?

[@debbieframpton3857]

I already have a home that is paid for but the one thing I learned years ago was to put money in savings before I paid my bills. So now that I am 66 and not working living off Social security $1069 a month I immediately transfer $200 into my savings and then I pay my bills whatever is left is what I have to live on for the month. If there is anything left at the end of the month I transfer that to savings and start all over again.

[@AnnaSzabo]

You’re a hero and a role-model for me!

[@henriettecamara325]

Thank you so much CIARA

[@ebbiejae]

Has no idea how the closing costs worked .. thank you

[@angelajordan8273]

Wanted to know should I pay some things off on my credit first before I start saving? Like my credit cards which I have 2 of them.

[@asianeyes1006]

Do you encourage using the VA home loan? Also do you have any videos on specifics of using VA home loans? Also, do you have any videos on having student loan debt while trying to purchase a home?