How to Buy a House in 2024 Step By Step - ALL First Time Buyers Need to WATCH THIS!

[@soccersprint]

Also, avoid HOA and high tax homes

[@Interestinggirl-in2ne]

I wish they taught this in school! But thank God theres people like you here to help others!

[@ShaheedahHill]

@Interestinggirl-in2ne Thank you for watching

[@angeliamattingly]

I'm first time home buyer. Best decision. I bought land in the country i didn't wanna be in Dallas Texas anymore. I did all mine in 2023. I been in my new home 4 months now. I got a mobile home because houses are just to expensive.

[@ShaheedahHill]

Congrats and thanks for sharing!

[@kainwinchester4434]

Me and my fiance are considering buying after finding a project house/ major fixer upper

[@TheeHuntress]

❤I see that you are really onto something. I am from Houston, and have long had enough of the stresses of big city living. I have been looking into buying land as well, in the rural areas of Georgia (where I have never been until today lol.) Always good to keep an open mind. I wish you well in your home and endeavors. You did your thing ✊🏽

[@angeliamattingly]

@@TheeHuntress I'm from Georgia I hope you like it. The weather there is much different from Texas. I'm from Rossville, Georgia

[@pacs0508]

​@@TheeHuntressJAWJUH. ATL, AL HERE, SOUTHERN BORN AND SOUTHERN BRED.

[@benildoalvespires4247]

First step: having money.

[@LaurelCanyonMojo]

Not as much as you think, if you choose a house within your means and you're not attached to living in an expensive area.

[@shadowseeker2197]

First step: have lots of paperwork lol

[@expansioniskeyrn]

Yes & No…when you get more experienced/older, you’ll find out vast majority of people borrow money from a bank to “buy” a home. Dumb it down….make monthly payments you can afford for 15-30 years…

[@slimmbabyy6841]

First step is have good credit

[@Romans1.24-27]

Which, nowadays is nearly impossible... In this economy, no discretionary money left after rent, groceries, utilities

[@Bluebaby422]

Some lenders also offer incentives like helping with closing cost. So shop around

[@ShaheedahHill]

@Bluebaby422 Thanks for watching and sharing

[@mega408]

Bought three houses now. Everything is on point.

[@ShaheedahHill]

Thanks for watching

[@ladygadventures4144]

How many months or years you need to wait until you buy your second home?

[@sweetafiedsteph]

You are a breath of fresh air, watching your videos have SIGNIFICANTLY improved my fiancé and my home buying experience, and we are confident in getting a home within the next few months 👍

[@ShaheedahHill]

@sweetafiedsteph Thank you for watching and for the feedback, I really appreciate it.

[@stephanieb6019]

You are so awesome! I love how your teaching background comes into play and makes it so straightforward to understand. Thank you!! Im nervous and looking forward to homeownership.

[@ShaheedahHill]

Thank you so much, everyone is a little nervous but you will confidently buy your first home!!!

[@LacherEustache]

Amazingly concrete and clear! You present information so uniquely and make it so easy to understand! Starting out saying that home owners are not smarter than anyone else, HUGE!!! I didn’t realize I thought that until you said it!

[@ShaheedahHill]

Thank you so much, sometimes it is the opposite - sometimes smart people overthink and wait way longer than they should have to make the first step.

[@Nikabooski]

Just found your channel! As a soon to be homeowner(closing in a week), my husband and I followed these steps and we’re so excited own. We’ve rented for many years and now have the opportunity to own our first home.

[@ShaheedahHill]

That is awesome, congratulations!!

[@sylviekabasso]

Thank you for sharing, education is the key especially for the first time home buyers.😊

[@ShaheedahHill]

Absolutely!!

[@MikePhases]

I love your steps my wife and I is currently doing this but I would recommend every one to take care of all debts before anything because not only you clearing your debts but at the same time your building your credit score for a better chance at getting approved for more in my opinion it’s better to be approved for more than less you don’t want to get a mortgage while in debt

[@nadiasews]

My spouse and I bought a house in 2015, our friend was our agent so we just went with her lender not knowing we should have shopped around...that may have been a mistake but we got a 3.75% interest rate, thankfully this was before what's going on now or we may have made a more expensive mistake! We have since sold that house and for the next one will be much more prepared with a down payment, and shopping around for lenders, thank you for sharing your knowledge!

[@ShaheedahHill]

@nadiasews Thank you for watching

[@patrice2335]

Learning a lot before buying our first home.

[@ShaheedahHill]

Great to hear! @patrice2335 Thank you for watching

[@habibbdvs]

Hey there! Thanks for breaking down the home buying process so clearly! I never would have thought to get pre-approved with three different lenders - great tip!

[@ShaheedahHill]

You are so welcome!

[@BigMamaEnergy]

Over the hill to homeownership! That’s gold! Good job, mama!

[@ShaheedahHill]

Thanks so much!

[@dlinder7]

Mrs Hill out here with these RE gems!!! Straight forward and clear

[@ShaheedahHill]

@dlinder7 Thank you for watching

[@TheeHuntress]

Although 9 steps might seem like a lot for some, your explanation made it as clear as day to me. Had the realtors and lenders I have dealt with explained the home buying process at all, you make me feel like I would have at least 2 homes under my belt by now 😢🤷🏽

[@ShaheedahHill]

Thank you so much for watching, you can do this!

[@laticiacook883]

Amazing video, thank you for not zipping through the info and teaching what people need to know. I am now more informed!

[@ShaheedahHill]

@laticiacook883 Thank you for watching

[@waltergatlin6268]

I am currently in the beginning stages of purchasing a home. This video helped alot. Awesome advice. Thank You so much Mrs. Hill.

[@ShaheedahHill]

You are so welcome! @waltergatlin6268 Thank you for watching

[@strategygalactic]

1st step: have money.

[@Ms.J.]

😂

[@coreysanders2778]

🤣🤣🤣🤣🤣

[@nenehbahfulanigirl1159]

😂😂

[@anthonyjohnson5961]

EXACTLY!

[@rednecksniper4715]

Fha loan with a bond program through the bank to cover down payment and closing. I’m getting my house for 0 out of pocket

[@kimberlymay9497]

Great video ❤ plain and simple. I made it to pre approval last year then had some things happen. Had my credit where it needed to be, now I have to work on that again. I’m thankful I have a roof over my head (apt) but I want an affordable home one day.

[@Shanvle]

I had the same experience last year, praying to be in my own home this year. We got this!

[@ShaheedahHill]

Get back out there when the time is right for you. Thank you for watching.

[@kimberlymay9497]

@@Shanvle we did it before we can do it again. This time more wiser.

[@jordanharvin4225]

No idea what I’m doing, this was a very big help. Thank you.

[@ShaheedahHill]

Thanks so much, you are in the right place. I have all the videos you need.

[@clairelabriola]

Omg thank you so, so much! It feels like there's magic information other people know and you are openly sharing it! ❤

[@ShaheedahHill]

@clab7133 Thank you for watching

[@haleypage2947]

You're amazing! I took notes! Thank you sm!

[@ShaheedahHill]

I'm so glad!

[@greaterishe7197]

Me too!

[@carlosjara3485]

This has been the most helpful video I ever watched. Thank you for the video!

[@ShaheedahHill]

That is awesome, thank you so much.

[@claudeenonthego]

Thank you so much!! Saving this since I'm thinking of getting into the game hopefully in the next year or two.

[@ShaheedahHill]

@claudeenonthego Thank you for watching

[@stevensettlesii8314]

Your information is amazing. I have shared your video with friends. And they have been able to purchase houses from the tips that you give in. You're awesome. Keep these amazing videos coming

[@ShaheedahHill]

@stevensettlesii8314 Thank you for watching and sharing my videos ☺️

[@kelvinjefferson2253]

Thank you for this great information and on your other videos. Getting ready to buy a home this year. Your a blessing 💯

[@ShaheedahHill]

You are so welcome

[@angelaharris2122]

I’m a Realtor in Birmingham. I must say there is detail and clarification for clients. Thanks!!!

[@ShaheedahHill]

Thanks for watching

[@whitneyaaliyahh5259]

Extremely helpful!! Me and my husband are preparing this year to get into hone next year.

[@ShaheedahHill]

Thanks for watching

[@brendawheeler975]

Sharing is caring, thank you for the knowledge.😊

[@ShaheedahHill]

Thanks for watching

[@vikkivibes5257]

You're such a wealth of information!!!!! I truly 🧡 your channel. 👍🏾☺️

[@ShaheedahHill]

Thank you so much 🤗

[@PhoenixDennis-ff9dv]

Thank you! Thank you!!!🙏🏽 ❤

[@dnah02]

Just subbed to the channel, more folks need to do their homework and research for the home buying process.

[@ShaheedahHill]

Welcome to the channel!

[@IntegrationFacile]

This is very true, Thanks!

[@jorgegomez1969]

This is Gold here, thank you!

[@ShaheedahHill]

You're very welcome!

[@CBfeb1]

❤YOU ARE Golden

[@ShaheedahHill]

@CBfeb1 Thank you for watching

[@jennifferflowers]

Thank you for posting this

[@ShaheedahHill]

You're welcome

[@tropic1798]

This video is so helpful. Thank you for the steps 💛🧡

[@henryestilin9090]

Thank you Professor!!!!!

[@ShaheedahHill]

You are welcome!

[@shondaduren-my2nc]

Great information just joined your channel Thank you❤❤❤❤.

[@ShaheedahHill]

@shondaduren-my2nc Thank you for watching and welcome to the channel!

[@Jfresh55]

Homes near me are selling like hot cakes and 30k+over asking, usually. I don't understand how anyone can make equity on any house near me. It's crazy. I'm trying to buy a house but the houses near me are pending within 1 week.

[@ShaheedahHill]

@jfresh2054 Thank you for watching

[@swilson5346]

Thanks for sharing!

[@covergirl7]

Thank you for sharing!! This was very helpful and you explained it so wel!!❤

[@ShaheedahHill]

Glad it was helpfu, thank you for watching and for the feedback, it really means a lot to me☺️

[@msnessa5074]

Sorry about the late response: I am in the process of buying a home. I got only one quote from a lender at 6.5% at 200,000 but I have to put down 137,247 on a conventional loan through First Horizon Bank. Should the loan be 100,000 if 137,000 is required? Any advice thanks

[@ShaheedahHill]

Ia little confused as you are putting down more than 50%. Ask for a loan estimate and get 2 addtional quotes.

[@vamp9282]

All steps have money 💰

[@ShaheedahHill]

@vamp9282 Thank you for watching

[@Dr.WaltzFromChicago]

Thank you Ms. Hill🌹🙌🏾🌹

[@ShaheedahHill]

You are so welcome

[@kristiesmithtxrealtor]

This is an excellent video!

[@ShaheedahHill]

@kristiesmithtxrealtor Thank you for watching

[@EbonyYoungRN]

Hello, great channel! I am learning a lot because I am looking to sell my townhome in the next year or so because I want something bigger. My current interest rate is 2.25 and I have a VA loan. I hope the rates go down, if not my first home might be my forever home 😒.

[@ShaheedahHill]

Thanks a great rate, hold tight, rates will likely not go that low again, but they should come down some in 2025. Your home will likely hold it's value and you will be able to use that equity to buy the 2nd larger home.

[@MarcotulioOrosco]

Gracias 🙏

[@kevinyang8205]

Thank you for answering my questions that I have been wondering about

[@ShaheedahHill]

Happy to help!

[@pavamsujith]

Great video. Subscribed.

[@ShaheedahHill]

@pavamsujith Thank you for watching

[@Mark21-53]

I hope I’ll be home next month. Thank you for the video!

[@tonyc5962]

What’s the sense of doing inspection after have already signed a binding contract?

[@xelefonte]

Do I get to skip 6 of those steps because I am my own bank? I don’t need financing. I buy the house paid in full with my own money. I knew most of those steps wouldn’t apply to me but then again, I am the 1%. 99% of people will need financing.

[@ShaheedahHill]

Yes, you can skip all the financing steps and the appraisal is optional. @xelefonte Thank you for watching

[@linathebarb]

awesome video ❤

[@ShaheedahHill]

@linathebarb Thank you for watching

[@rosiebelf955]

best video ever.Thank you!

[@ShaheedahHill]

Wow, thanks!

[@sunriseshine931]

Thank you for the info!

[@ShaheedahHill]

Any time!

[@jadatownsend5014]

Right now. Im renting. But i want to buy my own home. I already pay rent, watter, lights, suply my own heat, pest control, and trash.... So i feel like im already doing the financial part of home owning....

[@ShaheedahHill]

@jadatownsend5014 Thank you for watching

[@onlymeentertainment]

Appreciate your channel so much! 💯🙏🏿

[@ShaheedahHill]

Thank to😊

[@ShaheedahHill]

You!

[@patrickpurnell8171]

I truly appreciate you, and thanks so very much.

[@ShaheedahHill]

@patrickpurnell8171 Thank you for watching

[@ZeeGits-xi8fo]

Hi Shaheedah your videos have been so educational. Thank you...any advice for a first time homebuyer buying a duplex? also is lending the same as for a single family home?

[@supremedeity4013]

Thank you for sharing. Very valuable information.

[@ShaheedahHill]

Glad it was helpful!

[@tristinjones2]

Thanks this is really helpful

[@ShaheedahHill]

@tristinjones2 Thank you for watching

[@tyriqhilliardsr.7074]

Great video! So informative and easily understood! Thank you ma'am!

[@ShaheedahHill]

You're so welcome!

[@YoutuberRick18363]

My biggest concern is getting into a home or condo or whatever and then having inconsiderate neighbors blasting music, having some illegal body shop or loud business from their home. How can you really figure that out? Is it just visiting the area, knocking on doors and asking if they have any trouble neighbors?

[@ShaheedahHill]

Yes, I think you have to really visit the neighborhood at different times of day and night, weekdays and weekends. Also, get the crim report for the area, even things like noise complaints may be shared. @KZbinrRick18363 Thank you for watching

[@jay-x9n5y]

❤ Thank You!

[@ccpp3413]

Is there a program out here, that lets us purchase a home with Section 8

[@ShaheedahHill]

Ask your local housing authority, there are no national programs.

[@andriyatomick9732]

thank you very much

[@PippiOnePointOh]

I have a question about knowing what you can afford. Do you have any videos that talk about the costs associated with home ownership BESIDES the mortgage? I’ve heard so many people say there are many things they have to pay for that they never anticipated.

[@ShaheedahHill]

I don't have a specific video with all the costs, but it is important to note that property taxes and insurance can increase as the home value increases and home maintenance costs. So anything you would call your landlord to fix would now be your responsibility. @PippiOnePointOh Thanks for watching! Avoid Costly Mistakes by Buying My First Time Homebuyer Masterclass and Digital Confidently Closed Handbook - bit.ly/47s4pT7

[@lovelyresidor5388]

I have to say you are so amazing, I love your sharing.

[@ShaheedahHill]

Thank you so much!

[@TyroneFerrell-uq6cp]

I am super excited to learn more, but here is a question ⁉️ if I'm approved for the loan, can I use some of it for other things? You said something about a down payment at closing, so that's why I'm asking!!! Tell me more 😳

[@ShaheedahHill]

No you cannot use it for other things, only the home purchase. You may in some cases be able to roll the closing costs into the loan, but the home still needs to appraise for that higher amount.

[@papaproductivo8698]

Awesome video . Thanks for the info

[@ShaheedahHill]

@papaproductivo8698 Thank you for watching

[@cathykwardeng7428]

Thank for information

[@ShaheedahHill]

@cathykwardeng7428 Thank you for watching

[@nikkilove6700]

Clear good points!!!❤ subscribe. Thanks for info

[@ShaheedahHill]

@nikkilove6700 Thank you for watching

[@beevee7668]

Thank you!

[@ShaheedahHill]

You're welcome!

[@berenicecasillas6786]

Can you do a video of programs that’ll help first time buys? Love all the info!

[@ShaheedahHill]

Here you go kzbin.info1wbXthaTqM4?feature=share

[@cr8head]

very good video. thank you!

[@ShaheedahHill]

You are welcome!

[@jameelabellingport6369]

This is gold thank you soo much

[@ShaheedahHill]

@jameelabellingport6369 Thank you for watching

[@jameelabellingport6369]

@@ShaheedahHill no thank you

[@kyrowhite5022]

You mentioned getting pre-approval from 3 different lenders. Don't they run your credit? Wouldn't it be bad to have your credit ran 3 different times?

[@ShaheedahHill]

The credit score model allows for rate shopping so it will only impact your credit one time, here is a video explaining - kzbin.info/www/bejne/hWTUhaykhtp_f7s

[@stevensettlesii8314]

Question if i'm...? I have a full-time job. I just Started driving over. Can I plan one doing it for the rest of this year? Is there any way I can get in a house with my current job? Combine with my uber income? Or is it just a complicated process? That's a nogo, would love your advice You're An amazing home buying genius

[@ShaheedahHill]

For part-time and contract work they will require you to work there for at least 2 years before they count that as income. So you are better off using the money from Uber to save towards your down payment and closing costs. @stevensettlesii8314 Thanks for watching! Avoid Costly Mistakes by Buying My First Time Homebuyer Masterclass and Digital Confidently Closed Handbook - bit.ly/47s4pT7

[@KristenYoga_]

Amazing vid!!!

[@ShaheedahHill]

Thanks!!

[@ifeayomirembe8275]

I got a problem,my wife is working but I'm not. We stay in a motel I have 30 thousand cash in my account. The funny thing is I want a house, I just don't know how to go about getting a house. I never really started my credit and I'm 41 years old 😢. What should I do first besides getting another job.

[@ShaheedahHill]

It will be difficult for you to buy a home without regular income even with the cash that you have. Since your wife has a job then she may be able to qualify on your own and use the money you have for the down payment. @ifeayomirembe8275 Thank you for watching

[@kkrobertson1]

Love this video:) Very informative. Do you have any information for first time home buyers; who are planning to get a construction loan to build there first home?

[@ShaheedahHill]

Thank you, here is my video on buying a home on your own land - kzbin.info/www/bejne/fKfVf2OEjK-cZ5I

[@kkrobertson1]

Thank you

[@ealex3565]

how much money to save in bank and what if rent be late but gets paid

[@ShaheedahHill]

@ealex3565 Thank you for watching, usually during underwriting they will check your rental history so make sure you pay your rent on-time or that the landlord will tell them you haven't been late. There is no set amount you need to have in the bank but you should make a goal to save 7% of the home price. Here are 3 videos you should watch as follow-ups, that will help explain how it all works: kzbin.infocpewL4OlpjQ kzbin.info/www/bejne/bXvRYWeIoZuVeKM kzbin.info/www/bejne/mXmbf5yNeLeSnMk

[@cryinginthewilderness8191]

Great info ..

[@ShaheedahHill]

Glad it was helpful!

[@Eagle-zk1un]

When paying off all debt. Your credit score will drop😮

[@ShaheedahHill]

Yes, that is true. But it rebounds usually within a few months. @Eagle-zk1un Thank you for watching

[@pamelawyatt7792]

This is a very helpful video

[@ShaheedahHill]

Glad it was helpful!

[@reginaabucay3637]

im trying to time buying a house with the end of my lease. when should i start the process if my lease ends in 9 months?

[@ShaheedahHill]

3-4 months before your lease is up

[@kishorem86]

Thank you so much, what is your take on lot Premium for single family homes. Adding burden on total cost which is increasing the price of the house and making insanely difficult to purchase a single family home in the near future.

[@ShaheedahHill]

Many new builders include lot premiums into the total costs. If you buy a lot with no premium they are likely less desireable, avoid lots with slopes up or down, no yards, power lines, etc. those all make homes harder to sell when you are ready. If you can geta culdesac lot with a yard - I would pay a premium for that. @kishorem86 Thank you for watching

[@kishorem86]

@@ShaheedahHill thank you

[@msamackruth]

Do you know of any realtor in Illinois south suburbs specializing in first time homebuyers. I'm having trouble finding any. Thank You

[@ShaheedahHill]

Please email me at [e-mail] and I will recommend someone.

[@milesdyson5211]

Searching for a Lender, How would that Impact my delicate score ?

[@ShaheedahHill]

Watch this video - It will explain kzbin.infocpewL4OlpjQ?feature=share

[@Brandon-cj4tv]

This was great

[@ShaheedahHill]

@Brandon-cj4tv Thank you for watching

[@yourcakeandeatittoo]

How much do you have to make in order to own a home?

[@ShaheedahHill]

It will vary based on the home price, but you can figure it out with this video - kzbin.info/www/bejne/iWTKnXWrm5eZiNk

[@MarcotulioOrosco]

Me gustaría. Saber que puedo aser para comprar casa en samateo

[@aliciaf3384]

Great video

[@ShaheedahHill]

@aliciaf3384 Thank you for watching

[@zendragonmindtuner6207]

So what do I do if 30% of my take home isn’t enough to buy a home anywhere near where I’d like to live and I don’t have much money saved for a down payment?

[@ShaheedahHill]

You can use DPA to help with the down payment, but the hard answer is, in order to buy a home in your area you will likely have to make some more money or live farther away where prices may be lower. I also want to say even if you are renting you dont want more than about 30% of your take home pay to go towards housing. @zendragonmindtuner6207 Thank you for watching

[@DianaPrinceitiswhatitis]

I’m looking and nervous to buy my first home. I’m in Cali.😅

[@ShaheedahHill]

Thank for watching!

[@Allthingsarepossibl3]

Im in cali too and it is very expensive here

[@belizeanempress71]

​@Allthingsarepossibl3 veryyyy! 😩 I'm in SoCal, there is something out there for all of us 🙏🏿🙏🏿

[@jessicaalexander19]

What are your opinions, if any, regarding the NACA loan?

[@ShaheedahHill]

Here are my 3 NACA videos - I don't have a problem with the program, but you likely need a plan B, since not everyone can make it through the NACA process. @jessicaalexander19 Thank you for watching kzbin.info/www/bejne/fXnMl6t6d8aAadU kzbin.info/www/bejne/bXe4eqWKirZ5brc kzbin.info/www/bejne/fn2vnaitlqaZqLM