New Homeowners: What to Expect After Your Purchase

In this video, I discuss the next steps following your first home purchase, this can be very helpful for first time homebuyers as well as new home owners.
You can expect to deal with one big thing, scams...
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Licensing info: Jennifer Beeston, SVP Mortgage Lending NMLS 247743 at Guaranteed Rate, Inc. NMLS 2611 Branch Address: 1750 N University Drive, Coral Springs, Florida, 33071 Equal Housing Lender
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#newhomeowner #newhome #firsttimehomebuyer #mortgage #jenniferbeeston

[@johnniejacobs3199]

Thanks Jen, you are so right. I've done this in a budget notebook but without the needs and wants. You're right, it's painful and ugly and you feel awfully guilty. I can say after getting a handle on a few things such as eating out, the one area I still struggle is the Walmart order online the go pickup. It's just too easy. I'm always over budget on that one, something I'm working on. But I'd love to get your spreadsheet. I'm going to send an email. Thanks!

[@JuTLaNJR12696]

youre incredible omg my offer was just accepted so I'm gearing up for home ownership. Jen, miss give it to ya straight!!!

[@JenniferBeeston]

❤️❤️❤️

[@ramosusarmy]

Thank you Ma'am.

[@agustingomez5594]

Thank you “

[@DSH93]

Thank you Jen! I appreciate all your help and advice. We will definitely follow all of these 🙂👍

[@JenniferBeeston]

Appreciate you:)

[@TheItachai]

I absolutely love this video I have been following you for awhile and watching videos on how to get a house was amazing, and now that I have one I would take any tips that help. 💪🏾 Thank you Jen for listening to our plead.

[@JenniferBeeston]

You were my inspo 100%:). Appreciate you!

[@OscarRivera-lo7zz]

Jen first of all thanks for helping us through all our journey until or Closing yesterday. We are more than grateful for all your help/support. Wow now we will keep watching you this is definitely the kind of content we need now 🎉 thanks a lot😊

[@JenniferBeeston]

So so happy for you 🎉🏡❤️ thank you for trusting us to get the job done. And yes, I will be posting content moving forward about what to do now that you own the house because there’s so much more to it. A lot of it is fun. Appreciate you :-)

[@walter992]

Another great and informative video. I have learned a ton from them.

[@JenniferBeeston]

Glad it was helpful:)

[@sherifatolayinka9526]

This is so informative ❤

[@JenniferBeeston]

Thank you:)

[@andreanadean8935]

Great video. Please continue to make videos on how to stay in the house

[@JenniferBeeston]

Thank you! Will do:)

[@thomasjohnson8181]

Mrs Beeston I am about to close on a house thanks to all the hard work of you and your team is there a number I can call If I start getting this type of junk mail.

[@JenniferBeeston]

You are almost home:) We are always happy to look at any of it that you think is convincing. So you can always text me a picture at 707-478-0637. I haven’t found a great service to ban junk mail yet. I am looking though, and if anyone in the comments has one, please tell us

[@TMKJG24]

Get my checklist ready 😂😂😂

[@s.j.5850]

Another great video Jennifer. Since you mentioned moving to Florida I have seen a few videos that describe how homeowner's insurance (& flood insurance) has gone up tremendously in Florida. If that is true, is it the whole state & by what percentage has the rate gone up? It's reminiscent of buying a inexpensive house in a area that has high real estate taxes.

[@JenniferBeeston]

Thank you. Florida is pretty wild when it comes to homeowners insurance. There is zero consistency. I’ll have one client where it’s $100 a month and another where it is $1000 a month. Sometimes it doesn’t even matter if it’s in a flood zone or near the water. My best advice for Florida if someone’s shopping there is to get a homeowners quote the minute they see a house they like. We are, however seeing this in multiple states right now. Oklahoma springs to mind. Arkansas has gone up. California has been wild for a while but it’s gotten weirder. What we’re seeing is it homeowners insurance companies across the border raising rates in every single state and it’s expected to go up again next year. The lack of consistencies is frustrating for homebuyers and lenders. And I have to say the timing of all of this is crazy. Although, realistically beyond the natural disasters, housing prices increased so much over the last three years that would lead to higher homeowners insurance across-the-board. I do have serious concerns for people who own their homes, and have fixed incomes who can’t afford for homeowners insurance to go up. I think we’re gonna be seeing a lot more reverse mortgages because of this.

[@s.j.5850]

Wow, that's an eye opener. @@JenniferBeeston

[@alexandraadams2070]

Hi Jennifer, great video! I'm getting ready to close on a move-in-ready home in a few weeks. Do I need to change the locks on a brand new home? Thank you!

[@JenniferBeeston]

They generally change hose the day you take ownership. Check with the builder for sure

[@cathymankin4340]

Wow! Great info, but now I'm wondering if buying is worth it, especially, if there could be a lot more out of pocket at the end.

[@JenniferBeeston]

I only cover changing the locks in this video:) that’s like $100

[@cathymankin4340]

I need to talk to you tomorrow if it's possible.@@JenniferBeeston

[@sherifatolayinka9526]

Question: Do I also need to change the locks of a newly built home too?

[@JenniferBeeston]

Yes I would

[@georgezodiacal5771]

Hi Jen, I am interested in moving to Houston and buying my first rental property with VA loan. Need your expertise.

[@JenniferBeeston]

I am assuming that you’re thinking of a multi unit and you’re going to live in it or you’re gonna live in it and have roommates definitely give me a call 707-478-0637. I would love to help.

[@daniellegibson872]

Are home warranties worth it? When purchasing my home my realtor made it seem like I had to have one. I opted out right before closing but I have 30days to purchase with no increase to price…should I?

[@JenniferBeeston]

It really depends on the home warranty you get and what the home warranty provides for and what you expect out of it. I had a home warranty on one of the first houses I got, and it was useful because it saved money on plumbing repairs stove repairs. you would really want to read the details of the coverage and see if it’s anything you need before you buy it.

[@mikeshaw7670]

I have a question I’m working with a realtor I want to do $250,000 but then I want to put $10,000 cash as down payment which would make it $260,000 he’s saying we can’t put a down payment over our approval amount if that makes sense to you and I’m doing a VA home loan and I’m a disabled veteran

[@JenniferBeeston]

If you’re buying a house at 250 and you’re putting 10k down then the loan amount would be 240 so I’m a little bit confused by the math on this one. Happy to discuss give me a call 707-478-0637.

[@brianadams6204]

Are you a lender in Massachusetts ?

[@JenniferBeeston]

Yes, I am licensed in Massachusetts. Feel free to give me a call with any questions 707-478-0637.

[@SuperiorGreenovations]

I'm a Marine Corp veteran, I have decent credit but self employed. Is there a v.a. loan that would work with limited income verification? I'm interested in using a v.a. loan to purchase land and build home. Ty

[@JenniferBeeston]

We would need a two-year federal tax returns join self-employed income

[@SuperiorGreenovations]

@@JenniferBeeston yes I got that however is there a minimum income for qualification since I try to write everything off I look poor on paper?