I Bought A House! My Mortgage & How Much It Cost

I never thought I'd be in the position, but I bought another house! I am so excited to break down the house cost, my downpayment amount (and why), my closing costs, and my monthly mortgage statement. I am now a real estate agent with Coldwell Banker Bain in the Seattle, Washington area! If you are looking to buy or sell a home and have questions, feel free to email me at: [e-mail]
House Renovation Vlogs: • The Beginning Of The E...
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Buying a house can be confusing, and I am on a mission to clear up the mystery and misconceptions that go along with purchasing a home. In late 2019 I bought my first house in Seattle. I found it the most helpful to hear other peoples real-life examples of home buying and their own mortgage costs. That is why I like to break it down for you! My new house is a 2nd home that I bought with my sister Shelby. We decided to purchase in Palm Springs, CA because we personally love it- it's close to LA where she lives and a quick flight from Seattle where I live. It also is a great market for turning your home into a short term rental Airbnb! We are currently renovating the house to be the perfect Palm Springs vacation home, and can't wait to get into on the rental market!
instagram: / monicachurch
twitter: / hairodynamic
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MONICA CHURCH - KZbinr & Real Estate Agent contact info:
Business Inquires: [e-mail]
Real Estate Inquires: [e-mail]

[@juandromgoole]

When you said “I am a licensed real estate agent in the Seattle area” my heart filled with joy. So proud!

[@MB-uy9ki]

Congratulations! I can’t imagine how proud your parents must be of you girls and how much you achieve🥺 it’s so so inspiring 💗

[@astrocutie37]

Anyone else get chills hearing her officially say “I am a real estate agent” !!! It’s been such a long time coming, and to have followed you on the journey, since the beginning has been so fun! Congrats Monica!!

[@chrismcdowell7138]

Extremely informative. If we were into financing a home, we would need to replay and freeze your video, often, to understand all the nickel-and-diming that’s going on. I guess if it’s something you really want, then it’s worth the investment, to understand all the nooks and crannies, involved.

[@cellyjelly7375]

This was a good high level description. I recommend you do a follow up FAQs on this or even do a series- topics to include could be PMI, realtor fees, the home inspection process...

[@alizesavim5688]

I watch every single vlog and know that the backyard is pretty much done and the kitchen is the only big thing left but still watched this video and wow the house has come such a long way ❤️

[@SensationalFinds]

Thank you! This has so much information, that first-time buyers don't know or understand! Even if you don't make a ton of money as an AirBnB, you still have a place to that's away from a lot of people and will grow in value

[@jennifercarrat8188]

Holy Crap, the US has so many extra fees added to buy a house. In Canada it isn’t that complicated. Pre-Approval, find a home, down payment, sign documents at bank for mortgage, and then pay lawyer 1500-2500 to make the legal transaction and voila home sweet home. We pay property taxes monthly but they can be added to your mortgage or paid every year.

[@hannabennett819]

Watching the renovations is so fun!

[@MonicaChurch]

Glad you are enjoying it!

[@adebs]

I’m nowhere near the stage in my life where I can afford to buy a house, but this video was beyond interesting! Always appreciate your transparency 🙂

[@roboct6]

You guys have done a great job with that house! I do predict, however, you going to miss that backyard patio overhang come summer. With the possibility of over 5 months of 100 degree plus weather, shade is a major commodity.

[@juliamaeterry5659]

I love how transparent you are. I hope you continue to make kind of videos!

[@megansampson5445]

I love the "feel good" items you had in the living room. The coffee maker you bought months prior to buying the house with the dream that it was going in a house you knew in your heart you were going to buy

[@user-hw9go9nu5s]

You deserve everything you've achieved! You and your sister both produce quality videos with so much well-prepared research backing each video up. You two are so inspirational!

[@Jeroen74]

I knew you two have done well financially, but I didn't expect that you were able to do a down payment that big 😬 I'm shook!

[@juliapest654]

I've been watching your vlogs from the beginning of the whole Palm Springs project, and I've loved it! The whole journey has been so interesting to watch, I can't wait for the final effect! 💖💖💖

[@helenaco9110]

I love how open you are with money😍 is so refreshing and honest

[@JroqFord]

Your editing, planning, and the way you put a video together is TOP NOTCH and UNMATCHED! I know you’ve been holding on to this footage for a HOT MINUTE. Yes, I watch the vlogs

[@carlybrowder5927]

i’m so happy for you and Shelby. i’ve been watching both of y’alls vlogs since you started renovating. i’m absolutely loving how it’s turning out!! you should take pride in how beautiful your home is becoming.

[@helenmaguire8088]

Real estate cannot be lost or stolen, nor can it be carry away. invest wisely. congratulations Monica.

[@nnaaddiijjaa]

Can't believe how different the house buying process is compared to hos it is in Sweden... America makes everything so expensive and complicated....

[@Abbyel]

I absolutely love your renovation vlogs on your second channel - I can't wait to see it all done but then also I'm gonna miss the vlogs hahaha

[@12spacegeek]

You sharing this stuff about your seattle house literally made me brave enough to do it myself... I'm so glad you do this!!

[@lesandthecity]

We absolutely love that you are so transparent and open about your house buying experience! This is the kind of stuff they should be teaching in school because it is such a valuable real life scenario that many of us will encounter and need to know about! Thank you Monica!

[@jesuscarreno2576]

I’m so glad you’re doing these videos I’m currently on the house hunt and learning all about programs and cost of ownership.

[@learn-with-uss]

Can you make another video breaking down your renovation costs? Loving the nitty gritty details 🤓

[@debraweiss9734]

Monica, I love your friendly/chatty presentations. This one is particularly entertaining as well as being informative about the financing and home purchasing process. Good work!

[@megoppenheim4871]

This is gonna sound so strange but I swear I stayed at this exact house for Coachella in like 2013ish. Love what you’re doing with it haha

[@BaileyB1011]

Love that you make these videos and include real numbers. Always gonna watch these vids 🙌🏼

[@carlabarrick8538]

Monica, you are providing such an informative service for first time homeowners with a simple explanation of costs. You are the best and I'm happy for you and your sister.

[@mali-hz4cb]

I'm really loving following the renovation on the vlogs

[@courtneycampbell7701]

LOVED THIS VIDEO! Thank you for being so transparent about what things cost. I'm in a financial management course right now and the discount rate etc were all related to concepts I've been learning. You go girl!

[@amyrose2652]

GO MON GO!!!!! Been here for about a year now, and it's been such a pleasure watching you grow and fulfill your dreams. You deserve this girl. One of the most level headed young people on this platform

[@mehnaz8949]

These videos are so helpful; thank you Monica!

[@nonsenseislisa]

its crazy to be watching this while following the home renovation on your vlog channel! the backyard has changed so much, i totally forgot what it used to look like

[@hax0rz100]

You have to keep in mind. She bought this house with her sister. Everything is 50% off. The downpayment, closing costs, and more.

[@melissaandreag]

I’ve loved following your and Shelby’s vlogs on your home reno. Thanks for sharing all these details!

[@themigueltuga]

The most informative buying-a-house video i have ever watched! Thank you for being so transparent

[@sarahbowell8462]

Loved this video Monica and congratulations on being a real estate agent xxx

[@sarahmichaeliex3]

Hi Monica, I work for a private home mortgage company. You did a great job of breaking everything down and explaining the process. Congratulations on the new home 😊

[@StudioxYasmin]

I am loving this summary! So good to see both the vlogs and this condensed info!

[@PrimetimeMusings]

Smart investment and really like what you're doing with the house.

[@simellaaa2337]

Yasssss i really missed these kind of videos of you and shelby 🤩🤩 when you do these kind of videos it just feels so natural

[@chellox68]

It’s crazy looking back at this footage and seeing how far the house has come 😄

[@franchescamonges10]

Thanks for your transparency. You throw every idea very clear!

[@landmess5]

So impressive! I have loved following along on the renovation vids!

[@jennifercook115]

Great video, Monica!

[@MockingJay61899]

I watch every vlog that you do and honestly the house is unrecognizable from where it is in vlogs which is crazy! I love how you showed everything in the video and congrats on being a real real estate agent!

[@osioneoseni-elamah4161]

This is my favourite finance type video of yours because I'm so interested in the house renovations from your vlogs.

[@joymae]

CONGRATS MONICA!!!

[@ellieeccleston2094]

Love this video! I’m going to be looking to buy a house in the next year or two. Have you thought about doing a “things to look for when buying a house” or even a “how to buy a house” series? You explain things so well, and I always learn so much!! Congratulations’

[@LeahRummel]

I absolutely LOVE this video!!! Even though all of this is totally out of my price range it is SO helpful to see you break all the closing costs down like that. Especially including percentages because that made it so easy to get a comparison for my price range. I’m so excited for more real estate videos :)

[@cinthiachicas9607]

All the details are so helpful! Thank you!!

[@cherishgrey1111]

Love this video!! Great job as always Monica

[@Aussiegirl8300]

YAY! So excited for this video

[@abigailsmart9194]

This is such an informative video and I found it very helpfu! I can tell you really put a lot of work into making it. Thank you for sharing Monica!

[@rachelgray3899]

I can't wait to see the house finished. You guys have done such an amazing job. It's going to be a stunning Airbnb.

[@tashmee10]

ahhh i feel like i can appreciate this video a lot more since i've been watching your vlogs for months now!

[@PaigeCalvelli1111]

Please more info on how you were able to find, finance and follow through with buying a house! Love watching you, inspires me in my own journey to becoming a real estate agent.

[@nobbie_07]

Congratulations cheering you on

[@cl91000]

I love this so much! Thanks for sharing Monica!

[@ashleydalebout4215]

Property taxes where higher than I thought they would be! Keep up the good work.

[@meredithmonti264]

Such a helpful video, thank you for being so up front about this!

[@LivinglifewithAndrea]

This video was amazing Monica , I enjoyed it so informative and I appreciate your for it and giving us so much information .

[@cali2645]

Omg looking at how the house looked before. Such an amazing change 😍 congrats girls!

[@1DDiana143]

I can’t wait for your house big reveal of the finished touches y’all done amazing job on it ❤️😍👌

[@mariviguerreroavila9935]

Great video, Monica! Super interesting and the editing... well 👏🏼👏🏼

[@meganantol483]

This was such a great video Monica!

[@CeeJayLive]

Congratulations. This is super informative. Thank you

[@faidradir6478]

Super helpful and informative! Thank you so much for sharing!

[@Parker-Green]

Thank you for sharing all of this information in the video, it was very interesting and useful!

[@JustCallMeAnnie]

Love that Dad Church was in the video!

[@Justine_-fy5ul]

Congratulations on your new house, I'm sure it will be even more beautiful once renovated!! You're such an inspiration! Maybe put the toilet in the little room (washer / laundry room) so there'll be more space for the shower and cabinets/sink?

[@melania.f.m]

I really appreciate your transparency, it is very helpful to get an idea and I thank you for that. You do an amazing job!

[@AE-ij2wx]

Thank you for sharing this!!! My husband and I are currently in the home buying process & now we have a lot of things to keep an eye out for :)

[@anairam1247]

Such a good video Monica, thank you for making it!! I've been working towards that goal of buying a home, hopefully I'll get there soon 😄

[@rachelschuester654]

My bf and I bought our house: 3 bedroom, 2000 sqft in Arizona, $410,000 with 10% down. We recently refinanced from 3.75% down to 2.75%. Since we put less than 20% for a down payment, we have PMI but we were able to get that removed after doing some minor remodeling work and also with the appreciated value of our house. By putting less with our down payment, we had more money to remodel!

[@JustCallMeAnnie]

I’ve seen every single vlog of yours from Palm Springs & have been there every step of the way, but I still enjoyed this video! Nice work!

[@RealRawRentals]

Thank you so much for breaking this down! Your house looks great!

[@rtanaka]

Congratulations, and thank you for the info!

[@shontelhorneonline]

This was SO helpful. Thank you!!

[@irismarie6515]

I love how humble you are

[@randanaim9586]

Thank you for the transparency on all of these costs! I learned a lot!

[@sstcatherine]

The longer hair on you is lovely. Get more sponsors to help you with income for work on the Air-Stream in summer. We are so patiently here waiting for it.

[@lindaoliver5904]

Congrats 🎊🍾

[@cali2645]

Great video Monica, so informative 👌

[@tracy_cakkes]

Congratulations on everything Monica! I remember when you asked if I should get your license and I was one of those people in the comments going Yes! Please do it! And u really did it It’s official 🥳😊

[@eowendyl]

Good stuff. I hope real estate and the ABnB "market" stays lucrative and you and your sister get to recoup and then some. Having just also somewhat recently bought my own home feels good. There's just something about owning those walls that makes one feel extra safe and secure.

[@mrs.r8451]

Thank you for being so open. Congratulations on home #2

[@alelee25]

So proud of you and Shelby. 😊

[@nicolegarvin4723]

You're killing it!!!

[@whatever5922]

Yayyy I was waiting for this

[@larissagreendahl610]

I just learned more information that I can actually apply to my life than I did in school

[@nv2781]

Yeah you can find anything in youtube

[@lotto5742]

Learning from others who experienced it is the best education you will ever receive.

[@andrewredmond85]

This is such an informative video! Enjoyed it a lot

[@lmdramarama]

I’m sure you’re already planning something like this but I’d love to hear a video on ALL the costs of the renovations, and what your new home value is!

[@BeautyForFun1]

loved this!! so helpful also

[@MillaExplores]

This was very interesting! I live in Finland so the process of buying a house is a bit different but what surprised me the most is the amount of different legas fees and other fees that are included in buying a house, there are so many!! 😂 In Finland the interest fee at the moment is about 0.5% so it's very low! 2.75% is normal but here it's considered high, at least for the time being.

[@apolloferrero8664]

AMAZING VIDEO! you and Shelby make amazing content :)

[@siobhanlofblad9786]

This is super informative!

[@Krabbsallad]

Wow, the US is really expensive! All those fees and insanely high interest rates!