Greatly appreciate your "NO-BS" videos they are so helpful and reassuring.
@jonmore6921 Жыл бұрын
Exactly why I'm contacting her.
@JenniferBeeston Жыл бұрын
Thank you!
@kstevenson3504 Жыл бұрын
Just discovered this channel a day or two ago and subscribed. this is my new favorite channel. I've learned so much.
@JenniferBeeston Жыл бұрын
Thank you ❤️❤️
@onesixthforjesus Жыл бұрын
You guys should start explaining the difference between your credit scores and mortgage scores! Having a 650-700 credit score does not mean your mortgage score is 650-700 ! It could be 590 or less! Please get THIS message out so people won’t be misled like I was!💯
@JenniferBeeston Жыл бұрын
I have a video on how credit Karma is never right but great call I will do a short. TY!
@novembercherry4 Жыл бұрын
I had no idea.
@cathymankin4340 Жыл бұрын
I filled out the application today. Awesome folks have called me and answered my questions.
@JenniferBeeston Жыл бұрын
❤️❤️❤️
@kayc421 Жыл бұрын
I just dropped my lender and withdrew my application because my loan officer was never available and never answered the phone. The last thing I needed to happen was for my loan to fall through while under contract. Especially being that I am a healthcare traveler.
@JenniferBeeston Жыл бұрын
Good call! You 100% want to be fully underwritten as that will make your life way easier. We are here if you need us 707-478-0637 or www.zerostressmortgage.com
@cherifba56438 ай бұрын
😊😊😊😊😊❤😊😊😊😊😊😊😊
@russlea6383 Жыл бұрын
Thanks for explaining this. I think my lender used to be a dentist because she pulled my teeth for 30 days after I was given a clean checkup. (Pre-approval) 🤐
@JenniferBeeston Жыл бұрын
hahahahah good one Russ! Hope you are well!
@Mosdefinitelyable Жыл бұрын
I made major tax deductions last year and I still qualified for a home with a major bank. I’m glad I got past that requirement.
@JenniferBeeston Жыл бұрын
Congrats that is great!
@johnmalizia6436 Жыл бұрын
really good video. super helpful and straight to the point. also made me very interested in your company
@thenoobentrepreneur4493 Жыл бұрын
🔥🔥this was outstanding! Tysm for sharing
@codyparrish3301 Жыл бұрын
I feel like I was right there talking to you. Thanks for this video!
@JenniferBeeston Жыл бұрын
Happy to help:)
@davekauffman872711 ай бұрын
I have made poor choices, but I have a steady solid income, I just want to prequalify for small house or mobile home, but since I have nothing to offer for a down payment, nobody will talk to me.
@JenniferBeeston11 ай бұрын
My team will always chat with you and help you plan. Grab a spot calendly.com/jennifer-beeston/preapproval-q-a
@jaycollins2929 Жыл бұрын
Jeniffer do you have any videos on questions to ask lender for land/lot loans, can you utilize VA for land/construction purchasing. Thanks!
@haircrush1 Жыл бұрын
Are you licensed in VA? How do we find lenders who do a pre-underwrite?
@JenniferBeeston Жыл бұрын
I am licensed in VA and happy to do a fully underwritten preapproval. Www.zerostressmortgage.com
@melanatedbeauty007 Жыл бұрын
I need to talk with you. I had a couple episodes with my home buying process.
@JenniferBeeston Жыл бұрын
You can call me at 707-478-0637😊
@melanatedbeauty007 Жыл бұрын
@@JenniferBeestonI'll be in touch
@shaunturner-yu4eo Жыл бұрын
02:45 nice dolphin impression!
@JenniferBeeston Жыл бұрын
I will have to rewatch. I do spend a lot of time in the water
@jamieking8622 Жыл бұрын
I'm not planning on buying a house until around july-august. I want to get a pre-approval done just to see where I stand and if I will qualify for a loan. Ive been working on credit and savings. Is it too soon right now to get a pre-approval?
@gd2860Ай бұрын
Will an out of sight out of mind account with 50k make any difference in structuring a loan or getting a lower rate?
@daricej9753 Жыл бұрын
We were approved for 300k va loan but the house we are interested in is 325K our realtor said to see if a conventional would be more beneficial. Is that an option 🤔?
@daricej9753 Жыл бұрын
We have the difference.
@JenniferBeeston Жыл бұрын
I would chat to your lender about going up to 325. I don’t see how conventional would make sense as it is more restrictive on debt to income. Feel free to call me and let’s pull rates to see if you are getting a good deal. I am on pacific time 707-478-0637
@m0str33t Жыл бұрын
I’m trying to learn about this whole process and it’s so confusing. I am very nervous to make a call and embarrassed by my lack of understanding on the topic.
@JenniferBeeston Жыл бұрын
Don’t be embarrassed. None of this is taught in school. My team and I are happy to walk you through the process. 707-478-0637 is my number
@PS5ACTIONGAMEPLAYTV Жыл бұрын
Nice info:)
@JenniferBeeston Жыл бұрын
Thanks for watching! :)
@calvinhalladay8108 Жыл бұрын
Jenn, how long is my fully underwritten pre approval good for once completed by your team?
@JenniferBeeston Жыл бұрын
Preapproval 90 days but easy to update. (You don’t have to start from scratch we just update income and assets) Credit is good for 120 days.
@motor2063 Жыл бұрын
How long it normally take to get an approval I apply with a lender almost 3 weeks ago and haven’t heard back from them!
@JenniferBeeston Жыл бұрын
If you have heard nothing you need to reach out to them as maybe they never got your app.
@PeacefulFlamingos-cv3bg5 ай бұрын
Hi jenn, do you offer itin loans in Ca? Thank you
@JenniferBeeston5 ай бұрын
I do not offer those at this time.
@Denault893 ай бұрын
Hey Jen question I’m in Florida when I get pre-approved for a home can I take that letter anywhere in the state of Florida?
@antonioaa8097 Жыл бұрын
Thank you for all this helpful information. I am going through loan approval process right now. I found the house, I really like and I going through the loan approval with the builder preferred lender as they offer some incentives to go through them. Do you recommend I get a second approval with a different lender? I already signed the purchase agreement so I may be to far in the process. I am a first time home buyer so trying to figure things out. Anyway, thanks for sharing all the great knowledge.
@JenniferBeeston Жыл бұрын
Always good to have another lender peek at what they are offering to make sure it is a legit deal. If you want my team to look at their loan estimate we are happy to. Just email to alyssa.sarras@rate.com
@jjc2323 Жыл бұрын
I love you! Thanks for this video.
@JenniferBeeston Жыл бұрын
Thanks for watching! :)
@pauldeloney296 Жыл бұрын
My wife and son receive disability. Is there income added with my income or not pertaining to the mortgage amount approved ?
@JenniferBeeston Жыл бұрын
Generally If your son is a minor we can use if it goes to you or if you are the guardian. With your wife to use hers we would need to add her to the loan.
@pauldeloney296 Жыл бұрын
Whether this is you or an assistant, thank you for responding.
@223froggyfun Жыл бұрын
If i am approved $400 including downpayment and sellers cost in new Jersey, can i start looking for house for 400k
@JenniferBeeston Жыл бұрын
Hard to say without knowing who approved you. If my team did let me know your full name via text 707-478-0637 I cant tell by your screen name.
@jaygill2956 Жыл бұрын
Hello Jen, this is jay again been watching your videos for almost a year now. Honestly your way of explaining is wow!!! If someone is not thinking to buy a house they will start thinking 😅 Great video. Question: if I am planning to buy this year in September when should I start the paperwork with your team? How long the approval is good for?
@JenniferBeeston Жыл бұрын
Thank you Jay!:) We should get you preapproved late June:). Preapproval good for 90 days but easy to update and credit is good for 120 days. For a September close you want to be shopping in July and august. Closing is less then 30 days but there may be the perfect house in July but not august etc
@jaygill2956 Жыл бұрын
Perfect!
@karynhilton6220 Жыл бұрын
Hi Jen ,
@JenniferBeeston Жыл бұрын
hi
@theinflatablescaptain1544 Жыл бұрын
Hey Jenn: Do you work with CA USDA loans and Down payment 2nd (non-pay till refinance or home sold)?
@MJKing3000 Жыл бұрын
I was saving money to buy a house this month but my car broke down today. I need to buy a new car to get to work. Since I will be soon financing a car soon can I still buy a home or should I wait 6 mos?
@JenniferBeeston Жыл бұрын
Depends on overall credit profile
@MJKing3000 Жыл бұрын
@@JenniferBeeston my credit is fair zone but you say never buy a car when buying a house
@mitch8920 Жыл бұрын
Shout out to the Terminator!
@JenniferBeeston Жыл бұрын
lol I will let her know:)
@TammyMacMac Жыл бұрын
How complicated can it become using a lender operating in another state if there are issues?
@JenniferBeeston Жыл бұрын
Loans are done electronically now and lenders communicate via telephone, email and text. It does not matter what zip code your lender is but whether they are an expert and if they will perform.
@TammyMacMac Жыл бұрын
@@JenniferBeeston Thank you!
@dsolon311 Жыл бұрын
My husband and I are PCSing to Norfolk in May and want to buy a house (first time buyer). We are currently overseas. How early should we apply for a preapproval?
@JenniferBeeston Жыл бұрын
If you want the house ready to move into on May I would say getting preapproved early February is the latest. Happy to help
@dsolon311 Жыл бұрын
@@JenniferBeeston Thank you Jenn! I will be sure to let my husband know. Hope to get in contact with you soon!
@jvolstad Жыл бұрын
I'm retired Army. I don't think that it's a good idea to buy when you need to PCS every three or four years.
@jalencamarillo3062 Жыл бұрын
Would a loan originator send a loan to underwriting if they thought it didn’t have a chance?
@JenniferBeeston Жыл бұрын
Yes we see it in the industry all the time
@RGTomoenage119 ай бұрын
Do you guys work with manufactured homes?
@JenniferBeeston9 ай бұрын
Yes as long as they are on a perm foundation
@natmendez89 Жыл бұрын
Once your team fully underwrites a loan does that mean everything is good and there’s no chance of the loan not closing?
@JenniferBeeston Жыл бұрын
If something changes like your income or assets for the worse after we approve it can still go sideways.
@thomasjohnson8181 Жыл бұрын
Ms Beeston, this is Thomas Johnson, we spoke in the past about a V A Loan but it had to to be put on hold due to surgery, then I lost your number can you help? thank you.
@JenniferBeeston Жыл бұрын
My number is 707-478-0637. Happy to chat Monday
@BeautiColors8 ай бұрын
Im confused i got pre approved from two lenders. One was a manual underwriting for $140,000. And then one was automated approval for $150,000. Y did i get flagged for manual and never got flagged for the second one for $150,000???
@JenniferBeeston8 ай бұрын
I would wonder if the 150 is legit. Lenders don’t do manual underwrites for fun.look at the reviews of both loan officers and ask them about it
@BeautiColors8 ай бұрын
@@JenniferBeeston u got me worried so I did some digging. The $150,000 lender has hundreds of positive reviews.
@JenniferBeeston7 ай бұрын
If it’s the individual loan officer, you are working with great if it is just the companies reviews you’re reading that doesn’t mean anything just to clarify
@janmcofficial8 ай бұрын
I've got my pre-approval letter from my bank and signed the offer letter from the owner of the house with the lawyer's consent. My question is, what is the next step or process in this? My bank has my bank statement showing my downpayment and closing payment, but it's been a week now, and I haven't heard from the lender. Given that my turnover is on May 1, 2024.
@JenniferBeeston8 ай бұрын
Never hurts to just touch base with your lender and see if there’s anything they need. Generally the lender would reach out to you if they need something I would make sure you’re checking your email, but always good to have open communication with your lender or Lending team.
@janmcofficial8 ай бұрын
Thanks for the advice ❤
@kfergus36624 ай бұрын
Most of the time realtors and lenders keep dragging their feet and you feel like you’re wasting time
@JenniferBeeston4 ай бұрын
#facts
@biblereadingpartners760 Жыл бұрын
I want to be on your team OR a team like yours. I am currently enrolled in the pre - Licensing program for MLO. Any advice on how to start working without experience. This is what I want to do, so I'm prepared to learn a lot and work smart/hard
@JenniferBeeston Жыл бұрын
Thank you! Appreciate you! Banks and credit unions are the best place to start your career as they have training programs etc..
@ricdynasty Жыл бұрын
Is there was a way for lenders to give a ballpark figure of what i can qualify for so I can make an informed decision about the pre-approval process ?
@nguyenpham7965 Жыл бұрын
they have to look at everything in your credit reports and the types of your income and your loan types. And they have to verify/double check so ballpark still means nothing b/c they dont want to give you false hope
@sandorvarga.698211 ай бұрын
ACTIVASION.
@johnmalizia6436 Жыл бұрын
do you do loans for Florida
@hinesandcompanynorthameric7592 Жыл бұрын
Can you get me in touch with a lender that will work with 100%disable veteran 484 credit score? The va doesn’t require a credit score.
@4everyoung16 Жыл бұрын
Hi Jennifer, Is there such thing as an upfront small fee for credit report by a lender?
@tamikajones6762 Жыл бұрын
I know you asked her but yes however you will get it back at closing if charged.
@louisramos4956 Жыл бұрын
Hello jen, my name is Louie, recently started watching your videos, do have license to operate in az.
@happyfamilyvlogs446 Жыл бұрын
From canada.please tell if creditors can put a lien on home for statue barred debt??
@JenniferBeeston Жыл бұрын
No idea on Canada mortgages.
@suzettelawes21042 ай бұрын
My loan officers never spoke to me like this😢
@AChavez-p5k5 ай бұрын
Verygood
@JenniferBeeston5 ай бұрын
Thankyou!:)
@BellaNoir3 Жыл бұрын
Whew she can talk..... great information though. I'm going to call her lol
@juliemcdaniel499 Жыл бұрын
What if a lender wants to go through the application process in person?
@JenniferBeeston Жыл бұрын
Very 1920. If you are into that go for it. We do everything online and over the phone and it is fast
@juliemcdaniel499 Жыл бұрын
@@JenniferBeeston good 2 know, tks 4 replying
@for_crys_sake Жыл бұрын
How does this process differ for new construction
@z712559 ай бұрын
Wish i knew about this ch sooner :( sigh
@tonyawooten559 Жыл бұрын
You can fully underwrite!! But those people that keep sending me those damn socks said that was not possible.😆😆😆😆
@shenoudabekheet8701Ай бұрын
Hi i am an amazon part time for one year does this qualify me when i apply for a loan I work in a restaurant full time but 15$ per hour
@JenniferBeeston29 күн бұрын
We would use your restaurant job, but not Amazon as you do not have a two-year history of having to jobs
@shenoudabekheet870126 күн бұрын
@@JenniferBeeston thanks but some ppl say that some lenders can consider part time after one year
@JenniferBeeston13 күн бұрын
Its not just part time but also a 2nd job as well. Always good to explore multiple lenders
@MostlyPeacfulRiots Жыл бұрын
Hey Jenn, I hope you had a good holiday season. Question, are yall familiar with Texas Veterans Land Board exemptions. I'm trying to research a VLB loan inside of a VA loan and outside. That .5% discount on rates is such a massive incentive, but it's so hard finding a broker that is familiar with it.......
@JenniferBeeston Жыл бұрын
We generally beat them since they have a 1 pt origination fee and we don’t.
@sandeepk63684 ай бұрын
I am planning to buy a house in NC with 30000$ in hand with credit score 780+. Am I eligible to get pre-approved? Is pre-approved will effect to credit check? They will soft or hard check?
@JenniferBeeston4 ай бұрын
I have no idea if you will qualify without looking at your entire file. We start with a soft credit check, but if you’re doing a government loan, we really should do a hard check as the soft checks throw false negatives. If you’re doing a conventional loan generally a soft check fine to get a general idea, but to be fully underwritten we need to do a hard check. If you’re serious about getting a house, I always recommend getting a fully underwritten preapproval.
@OfficialAdregga Жыл бұрын
I want to buy a home this is my second year in business, how much salary do I need to make to buy $500k-600k home
@JenniferBeeston Жыл бұрын
To start the preapproval process www.zerostressmortgage.com Text me at 707-478-0637 after you apply with your full name:)
@lahannid5 ай бұрын
So basically this video was just an infomercial for you and your team.
@JenniferBeeston5 ай бұрын
I explained what my preapproval processes with my team it varies based on Lender. All lenders preapprove differently so to pretend there was one way everyone does would be a lie.
@delaw2xoxo269 Жыл бұрын
Amen
@JenniferBeeston Жыл бұрын
Link to the calendar calendly.com/jennifer-beeston
@natmendez89 Жыл бұрын
Can you offer a full underwrite if buyer is relying on seller to pay for closing costs?
@JenniferBeeston Жыл бұрын
Yes we fully underwrite with a condition being a full seller credit for closing
@TMKJG24 Жыл бұрын
It's the cheap part for me 🤣🤣🤣🤣
@JenniferBeeston Жыл бұрын
🤣🤣
@DOPECARDS16 күн бұрын
My credit is to mest up i wish i could get are own house
@JenniferBeeston15 күн бұрын
Start trying to just build a good credit history meeting no more lights. One year without lates can help a lot.