My Top 20 First Time Buyer Tips | First Time Home Buyer Advice | First Time Home Buyer

[@tstarr2399]

You're the only one who explains things in a way that I can understand and is straightforward. I do appreciate you!

[@ShaheedahHill]

Thank you!

[@crystaljones9488]

I agree!! This video is really good. Thank you!

[@Roowzer]

Agreed 👍

[@yvonneb2637]

Thank you. I'll happily subscribe to your channel.

[@stepbrown2000]

Exactly and that’s the reason I’m here

[@Chris-kq3ix]

2013 - 2016 in and out of jail 2016 homeless and strung out on meth and heroin 2017 got sober and rededicated my life to the Lord 2019 rejoined the workforce and payed down debt 2020 picked up second job 2021 went from $10k to $50k in savings/investments 2022 - 2023 projected timeline to buy my first home All to God be the Glory Never stop dreaming people, if I can do it, so can you!!!

[@ShaheedahHill]

Inspiring..thank you for sharing.

[@cherylronneberg3045]

Gr8, me too except for jail, meth & heroin, (not casting stonesGod is Gr8 4sure! Can retire in peace!💯✌🙏👷

[@morell5589]

Beautiful thing God is doing

[@ndeamonk24]

Chris. Bro I am so happy for you.

[@Therealkevinlittle]

Dang I really needed to read this. Keep it up Chris!

[@wjb4578]

As a first time homebuyer, I think I need you as my realtor.

[@ShaheedahHill]

😍

[@joijoi617]

KEEP THE GEMS COMING TO THE COMMUNITY SIS

[@godschildb4thewomb198]

Also don't settle on a house you really don't like due to the fact your drained from looking at houses this happens way too much

[@brittanyspencer3736]

Amen. This is the one thing that you don’t want to settle on.

[@brittanyspencer3736]

Vivian Lee think about the end result. I found a house that I thought was perfect but it didn’t work out. Completely devastating. There is nothing left to believe but that God has a much better plan. Your house is coming in the right time. Don’t quit. You will know that it’s the right one even if the whole world disagree with you. Your soul will just know and the price will be right for you.

[@godschildb4thewomb198]

@@OpiumBride Yes please take a break an don't settle buying a home one doesn't like I've seen way too much of it which turns out to be a sad situation in most cases I know one family that settled on a 4 bedroom single family home (living room dining room fully finished basement and attic half way finished) and ended up with one nasty cockroach infestation they didn't have the money to fix the problem so they stayed in the home with roaches as roommate's 😫

[@godschildb4thewomb198]

@@brittanyspencer3736 God indeed has something better for you so much better to the point you'll forget all about the whatchamacallit house you thought you wanted in the first place

[@godschildb4thewomb198]

@@OpiumBride sure did the inspector missed a ton of stuff most inspector's do hit an miss job's most see a lot of stuff wrong with the property but careless to mention it

[@memarilicorice]

You are truly the only person who has made any of this make sense. Thank you! ❤️

[@ShaheedahHill]

Thanks for the feedback. I appreciate that. Thanks for watching

[@horashiosmart9298]

Great info, you sure shed a light on some of the questions I had as a First Time Home buyer.

[@ShaheedahHill]

@horashiosmart9298 Thank you for watching

[@mariaorlando3903]

I like that you made me feel you were speaking to me directly and i understood everything you said!! Great Job

[@ShaheedahHill]

Thanks for the feedback and good luck on the home ownership journey.

[@kaylamoye1069]

Thank you so much I’m turning 25 years old and I’m not getting any younger, thanks for dumbing most of these things down thank you

[@ShaheedahHill]

You are so welcome!

[@davidconeeny987]

You are very well informed Shaheedah! Very professional.

[@ShaheedahHill]

Thanks for watching!

[@angereahenry8199]

I'm a single mother and a first time home buyer. You explained very well .some good tips

[@ShaheedahHill]

Glad it was helpful!

[@francinewilliams1703]

Congrats on your 20,000 subscribers

[@ShaheedahHill]

Thank you!!!

[@azteca6695]

My 2 cents. 1: I paid off all my debt 2: started buying stuff for my house. While I was still living at home 3: Saved 3 months of monthly expenses. 4: bought a foreclosure home 5: Got a 30yr mortgage. BUT, made extra payments.

[@ShaheedahHill]

Great job! Was the foreclosure a HUD home? Did it need any repairs?

[@azteca6695]

@@ShaheedahHill Got a conventional loan. Had to replace the air conditioning unit, garage door opener unit and minor cosmetic work. Luckily, my dad knew someone. So I got both inexpensive.

[@ShaheedahHill]

@@azteca6695 good deal!

[@sarahpearl9462]

What is the timeline? How long were you living at home before you moved out?

[@azteca6695]

@@sarahpearl9462 30 and was single at the time.

[@AnaRamirez-fh6iq]

Hi shaheeda 🌝 i 'm a first time home buyer i didn't know anything about buying a house thank you for explaining and sharing all this great information is very helpful i learned a lot god bless you 🌝

[@ShaheedahHill]

My pleasure 😊

[@ijyoyo]

I love the thumbnails that pop up during your videos!! Makes me want to check them out! Great Resource

[@ijyoyo]

I don't get why more people also don't share the two years of employment at college, so helpful

[@ShaheedahHill]

Awesome! Thank you!

[@ShaheedahHill]

Yes, most people do not mention this but if you have employment out of college then you can usually buy a house. Thanks for watching.

[@consuelaallen4372]

You are a godsend thank you so much queen. You need to teach seminars. You are awesome.

[@ShaheedahHill]

Thank you so much, I appreaciate that.

[@dva2876]

I was just searching and your video came up....I clicked and was so happy I did. Not many out there would be so forth coming....thank you for the video, it was eye opening. I have always wanted to buy but the jargon was not familiar to me but you broke it down. Thank you again.

[@ShaheedahHill]

Welcome and thank you for watching!!

[@tlemon305___]

House hunting in Dallas has been a pain!! Selllers market houses selling fast

[@ShaheedahHill]

I feel you, it is the same way in Georgia, inventory is low.

[@shutyuhmuddaskunt1375]

Same here in NY

[@jerellyeufracio3272]

Same in Houston!!! 😣

[@JohnSmith-iy1uy]

@@shutyuhmuddaskunt1375 Hi, I see you and I have both interested in in the same topic. Let me tell you, that I was able to boost my credit 142 points in 30 days and secure $32,000 in credit with the Free “Aged Accounts” eBook and Tradelines from www.tradelinesforcredit.net Check it out, and let me know how it when.

[@JohnSmith-iy1uy]

@@jerellyeufracio3272 Hi, I see you and I have both interested in in the same topic. Let me tell you, that I was able to boost my credit 142 points in 30 days and secure $32,000 in credit with the Free “Aged Accounts” eBook and Tradelines from www.tradelinesforcredit.net Check it out, and let me know how it when.

[@donalddraper3708]

I am so grateful for finding this video!

[@ShaheedahHill]

Glad it was helpful!

[@tiffanyedavenport863]

I'm sitting here taking notes. Working toward purchasing before next summer!

[@ShaheedahHill]

Thanks for watching. You will be ready🙂

[@stella_blu6291]

Me too. And I’m doing everything she recommends to do.

[@fiorellox780]

Make that three!! And I hope she will be my agent!!

[@reneej8623]

Me too

[@stephaniejsmes8991]

Awesome !!

[@charliep9846]

Thank you so much for the tips!! God Bless!!

[@ShaheedahHill]

Thank you for watching.

[@Mysimon6468]

Thank you my goal is to buy a home in 2022

[@ritawalusimbi-mi1we]

You know what you are talking about. Thank you.

[@uic2004]

You are very helpful and knowledgeable. You go!

[@ShaheedahHill]

Thank you

[@michealsizemore1]

I appreciate the video which was so good I had to watch it twice.

[@ShaheedahHill]

Thank you so much. I appreciate that!

[@littleitaly8166]

As a young person who hasn't learned anything about how to maneuver life as an adult and doesn't have parental support to learn these things, I appreciate this video and your explanations

[@ShaheedahHill]

Thank you so much and thanks for watching

[@joshcogdell7]

great point on the taxes, doing that now!!

[@ShaheedahHill]

Thanks for watching!

[@CookNComedy]

I'm so glad I found your channel l. Very informative for a 1st time home buyer looking to buy very soon

[@ShaheedahHill]

Awesome! Thank you for watching!

[@Xoxocent]

Good info. I always look forward to your videos. I wish you were here in MD. I’m having a hard time finding a good realtor that’s knowledgeable like you.

[@ShaheedahHill]

That's super nice of you I actually went to HS briefly in Hyattesville, Maryland. Interview at least 3 realtors, you will be hiring them so find one that will work hard and is patient. Thanks for watching!

[@ShaheedahHill]

That's super nice of you I actually went to HS briefly in Hyattesville, Maryland. Interview at least 3 realtors, you will be hiring them so find one that will work hard and is patient. Thanks for watching!

[@fatimamills2249]

OMG thank you for this video my husband and I trying to buy a house and we need this advise I wish you live in NY I will hire you as my realtor. Love all your videos

[@ShaheedahHill]

Thanks for watching and I'm happy they have been helpful🙂

[@Sansan-iu1wr]

This is great stuff!!! Well done!!!

[@ShaheedahHill]

Thanks for watching!

[@23theroger]

glad to see an upload!

[@TMCLLNH]

Great advice!

[@ShaheedahHill]

Thanks for watching!

[@Nikki-ci5ze]

Thank you for sharing your wealth of knowledge regarding home ownership. I really appreciate you.

[@ShaheedahHill]

You are so welcome! Thank you for watching...

[@SouthernTee71]

Thank you for these great tips Shaheedah!

[@ShaheedahHill]

Thanks for watching!

[@yvonneshaffer4291]

If my landlord doesn’t report rent payments to credit agencies can I show my rent receipts to the loan officer to proof excellent payment history?

[@ShaheedahHill]

Yes, also watch my "Breaking your lease video", we discuss that as well.

[@francinewilliams1703]

Once I wish I had found your channel before I began my process

[@ShaheedahHill]

I'm happy you found me now.... I hope everything is going smoothly.

[@willd3808]

tried to get a quote today, first time buyer, with a 730 credit score, the guy said I needed 9k for down payment and closing costs, on a 60k loan. something just didn't seem right to me.....

[@ShaheedahHill]

Get another quote and it seems based on your numbers you were not going to owner occupy the property. Down payment is usually higher. Also some lenders do not do mortgages at that low of a purchase price. But definitely get at least 3 quotes.

[@willd3808]

@@ShaheedahHill Yes I was going to live there, It was only 1,900 and some change for the down payment, but some how the closing cost and other fees he said would be 7,000ish. But yes am getting more quotes today :) thank you.

[@KingLatham]

This is what I’m going through with the IRS now. The people that approves the payment plans aren’t back at work yet due to Covid. 😩😩

[@anthonywhite9828]

I got connected to Gibbs, thinking I would get ripped the same way Lexington Law and Actify Solutions ripped me off , but to my biggest surprise on a beautiful shinning Monday morning the credit repair specialist at '[e-mail]' texted me and told me to check my credit , signing in on IdentiyIQ was my most happiest moment of my life... 21 INQUIRIES GONE , 19 COLLECTIONS and others I now have CREDIT SCORE of 790+ , thanks guys 🤗 ....

[@jeterandwall]

Thank you!

[@ShaheedahHill]

You're welcome!

[@Elaysee]

I’m considering moving to Georgia and purchasing a home I’m retired and live on a pension, how difficult would it be for me to qualify for a loan?

[@ShaheedahHill]

There are lots of retirees coming to Georgia. You would be able to qualify, since you are retired you can live anywhere. As long as you have good credit and your debt to income ratio is not high you should be fine.

[@Elaysee]

Thankyou

[@JohnSmith-iy1uy]

@@Elaysee Hi, I see you and I have both interested in in the same topic. Let me tell you, that I was able to boost my credit 142 points in 30 days and secure $32,000 in credit with the Free “Aged Accounts” eBook and Tradelines from www.tradelinesforcredit.net Check it out, and let me know how it when.

[@meowornever5470]

Great info!

[@ShaheedahHill]

Thanks for watching!

[@myson04]

You are so knowledgeable and thank you for being so informative! I just saved this video

[@Listella.]

Excellent content and very digestible! Great video!

[@shellyannrichards6565]

Thank you for this video And your time.

[@ronmendoza4916]

Thank you for your response. Seems that applying for a mortgage loan is a complicated process. And besides I want to avoid paying a monthly mortgage payment.

[@ShaheedahHill]

Hey no problem. It's not that complicated, please watch my "Pre Approval" it goes over the steps.

[@JohnSmith-iy1uy]

@Kathy Lakowitz Hi, I see you and I have both interested in in the same topic. Let me tell you, that I was able to boost my credit 142 points in 30 days and secure $32,000 in credit with the Free “Aged Accounts” eBook and Tradelines from www.tradelinesforcredit.net Check it out, and let me know how it when.

[@betim2007]

First time here and I'm loving the information so far.

[@ShaheedahHill]

Thank you

[@ShaheedahHill]

Thank you

[@MySideHustleStash]

I'm getting ready to purchase my first home this winter and anxiously can't wait. 😊

[@ShaheedahHill]

Good luck!!

[@soblessed2176]

Praying & God Bless ~🙏🏽💕🙏🏽

[@Freya-lynn]

So glad I found your page. I am a first time homebuyer and I am learning so much before beginning the process.

[@ShaheedahHill]

Welcome to the channel - so happy you found me!

[@sherribooker1507]

Thanks Queen for sharing gems you are greatly appreciated✌🏾️💕

[@ShaheedahHill]

Thank you!

[@Xtremeproducts]

You explain in your videos that even a new born can understand. Lamens Terms

[@ShaheedahHill]

Thank you, I try😊

[@Xtremeproducts]

@@ShaheedahHill doing great

[@adhsnuggles]

In one of your videos u stated that on conventional loans the lender would use the payment of students loans if individuals are on income based payment plans is that still accurate?

[@ShaheedahHill]

Yes it is

[@JohnSmith-iy1uy]

@Kathy Lakowitz Hi, I see you and I have both interested in in the same topic. Let me tell you, that I was able to boost my credit 142 points in 30 days and secure $32,000 in credit with the Free “Aged Accounts” eBook and Tradelines from www.tradelinesforcredit.net Check it out, and let me know how it when.

[@Ellis1127]

Great info

[@ShaheedahHill]

Thanks for watching!

[@fool_ofatook]

I never heard of a single thing you mentioned (besides taxes and credit) and there is so much I know I need to learn about now! 5 year plan here I come! Thank you!

[@ShaheedahHill]

So happy you were able to watch this video. You may find you can buy even sooner. Thanks for watching.

[@SB-0959]

Excellent information !!!

[@ShaheedahHill]

Thanks for watching

[@KN-ch2mi]

I know you have said shop around for mortgages but really no mortgage is created equal, I was qualified for one they are very responsive and it's been 5 days waiting for others to respond hard to get a hold of them, I feel like my shopping around is done. Great tips thank you!!

[@ShaheedahHill]

Try to use other that your realtor has some relationship with, they may be faster to respond.

[@YaniAmorX]

Do you have any videos on first time home owners trying to buy a duplex ?

[@ShaheedahHill]

Please watch my video about FHA loans, but no video specifically about duplexes but FHA loans and some conventional loan products will allow you to buy a multi-family home up to 4 units as long as you will occupy one unit with the lower owner occupancy down payment.

[@YaniAmorX]

Ok thank you

[@Amyzflying]

Love your channel! You're so good at making things sound simple and not so scary.

[@ShaheedahHill]

Thank you so much!

[@SheilaMackey-v8t]

Great teacher

[@ShaheedahHill]

@user-ow3wj7hp6k Thank you for watching

[@AndrewJHagwood]

Wanted to say thank you, I’ve watched your videos and I was able to purchase a home last year. You literally gave me the confidence to purchase with understanding.

[@ShaheedahHill]

You are so welcome! Thank you so much for coming back to share that with me!! Congratulations...hopefully this is the first of many 😊

[@nvue141]

Very resourceful video, thank you.

[@ShaheedahHill]

You are welcome!

[@lt6731]

My wife and I watch all your videos together...making sure we have all check points covered before we buy our first home... you are like our own mentor we appreciate you!!!

[@ShaheedahHill]

That is awesome! Thank you so much!

[@mathewmcfool]

fine too, thanks for the information, very helpful

[@ShaheedahHill]

You're welcome!

[@shereethompson3852]

Great information! I will definitely share with my buyers. Each one, teach one.

[@ShaheedahHill]

Awesome! Thank you!

[@jciutube724]

This is really good information.

[@ShaheedahHill]

Thanks for watching!

[@sophiamariedee]

THIS IS SO HELPFUL OMG I am going to be a first time home buyer and this really really helped me !! I appreciate you!

[@ShaheedahHill]

Thank you so much for watching!

[@ndeamonk24]

I am new to this. These videos are extremely helpful.

[@ShaheedahHill]

Thanks for watching!

[@nana2647]

Paying rent it’s too expensive!

[@ivyg.9728]

WOW WHAT GREAT INFO! 👏 ty!

[@billingsdavida]

Thank you for this first time home buyers series! I'm going into my last year of nursing school, and I hope to buy a house 2 years after I start working as a nurse. I watch these videos in my "downtime" to start introducing myself to the process.

[@ShaheedahHill]

Thank you so much for watching and congrats on your last year of nursing.

[@Xtremeproducts]

I’m almost over the hill Ms.Hill

[@godschildb4thewomb198]

I say buy a house and don't finance a car buy with cash paid in full straight from the lot

[@alfredoperez5015]

If you pay cash for the car dealers will not give you a better deal. Dealers get paid more money when they offer the financing and dealer incentives when they make there quote. If you have the cash finance then pay the car in full before the end of the month. You get a better deal

[@godschildb4thewomb198]

@@alfredoperez5015 lol I've talked dealers down after going back an forth with them almost to the point of arguing lol just read over all final paperwork to be sure they aren't doing added-in slippery numbers I'll be 34 soon and I've only owned 6 car's total started late driving at 20 smh my eldest daughter is 13 and knows how to drive she drives me around yes it's illegal for her to drive but hell I get sick of driving everywhere my next vehicle will be my suburban they just want too much money for them right now an no way will I pay almost $70 grand for anything besides property which I know I can easily get income back from you cannot get income back from a vehicle heck sometimes you have to sell your vehicle for less than what you bought it for

[@JohnSmith-iy1uy]

@@godschildb4thewomb198 Hi, I see you and I have both interested in in the same topic. Let me tell you, that I was able to boost my credit 142 points in 30 days and secure $32,000 in credit with the Free “Aged Accounts” eBook and Tradelines from www.tradelinesforcredit.net Check it out, and let me know how it when.

[@JohnSmith-iy1uy]

@@alfredoperez5015 Hi, I see you and I have both interested in in the same topic. Let me tell you, that I was able to boost my credit 142 points in 30 days and secure $32,000 in credit with the Free “Aged Accounts” eBook and Tradelines from www.tradelinesforcredit.net Check it out, and let me know how it when.

[@micabad]

You have helped me so much

[@ShaheedahHill]

Thanks for watching

[@MooreJessicaPlease]

Thank you!! This is great information! Im working on paying off debt and then saving for my first home!

[@ShaheedahHill]

Thank you for watching and best of luck.

[@bonnybanini224]

So helpful, ty ! 😄

[@ShaheedahHill]

Glad it was helpful!

[@grantm.7281]

I would like to purchase a home close to the Sandy Springs location, but not sure if you have options there. Covid has really changed my mind on homeownership. Thanks for all the great tips. I'll reach out soon at the right time.

[@godschildb4thewomb198]

Don't let Rona change your mind. A tip for homeowner ship is don't get anything you can't afford if the bank approves you for let's say $300,000 don't look for houses that high even if you are approved look for homes or duplex's way less in price

[@rank1839]

Big thanks. Very helpful

[@ShaheedahHill]

Thanks for watching

[@BKLNHobo]

I'd never heard that income sensitive student loan payment plans can impact a mortgage. Thankfully I stuck with traditional repayment.

[@ShaheedahHill]

Here is my updated student loan video: kzbin.info/www/bejne/r6bRooqsZt18i7c Thank you for watching.

[@gift1983]

Good morning! I’m a travel nurse and want to buy my first home. As a travel nurse I worry that lenders will not accept my form of work as a contractor. This industry, especially now, is very stable and I want to know how that will impact my lending power? Thank you!

[@ShaheedahHill]

Travel nurses are buying homes all the time. Two suggestions for success 1. Speak with other travel nurses and see what lenders they used 2. Make sure the lender you choose has experience working with contract workers like yourself - ask them specifically how many loan they have closed. 3. Keep good records of past and future contracts

[@gift1983]

Thank you!!

[@kiaramorel4194]

I’m 21 and I am currently planning on buying a house by 23! Thank you for this informative video helps a lot!!!

[@ShaheedahHill]

You are so welcome!

[@c.h.u.r.c.h3538]

Thank you for the information. You’re very beautiful. I like your simplicity.

[@ShaheedahHill]

Thanks for watching!

[@tomaitoe]

This was so detailed and thorough, wow! Thank you.

[@ShaheedahHill]

Glad it was helpful!

[@stevewoods17]

This was perfect thank you so much

[@ShaheedahHill]

Thanks for watching

[@SisterMaji]

Shaheedah, uncheck the "mirror reflection" option on the zoom or recorder site you are using. then the signage in the back ground will read correctly as other view.

[@ShaheedahHill]

Thank you...I finally figured it our in my newer videos.

[@jordindimples1770]

This was informative

[@ShaheedahHill]

Thanks for watching!

[@charlesbarrett6565]

I just closed on my 1st home Friday. Thank you for all your advice that helped me along the way 👍

[@ShaheedahHill]

Congratulations and you are so welcome!!!

[@serenaporter7733]

Congratulations

[@charlesbarrett6565]

@@serenaporter7733 thanks

[@RashekaO]

Congratulations! I am going through the process now. Do you mind me asking how long it took for you to close. I’ve heard 30-45 days but due to Covid not sure if things are stalling now. Thank you 🙏🏽

[@charlesbarrett6565]

@@RashekaO congrats. It took me 30 days

[@queen_patience7220]

You're the best. Thank you so much

[@ShaheedahHill]

You're welcome, thank you for watching!

[@leslieworkman6862]

This video answered so many of my questions. Thank you so much for posting it!

[@ShaheedahHill]

Glad it was helpful!

[@lisag2684]

What about the section 184 loan? What does that fall under?

[@ShaheedahHill]

That is a loan progam for native americans that kind of stands on their own. I do not have a video on this but here is good a link to get started: www.hud.gov/program_offices/public_indian_housing/ih/homeownership/184

[@lisag2684]

@@ShaheedahHill thank you!

[@godschildb4thewomb198]

I truly hated renting due to the landlords back when I rented I had a crazy landlord damage my vehicle plus she went into the basement and messed up my washer and dryer she was upset at the fact I kept complaining about her infestation that was in the house before I moved in I had to remind her that she sent me messages after I moved in stating that a previous renter had bug's and she the landlord was trying to get rid of the problem but failed happy I don't rent anymore it was a pain in the azz

[@agood1]

I hate renting too. It is insane they do not allow you to have your pets, a garden, and they do not get rid of bug infestations or tale care of properties. There are so many slumlords.

[@JohnSmith-iy1uy]

@@agood1 Hi, I see you and I have both interested in in the same topic. Let me tell you, that I was able to boost my credit 142 points in 30 days and secure $32,000 in credit with the Free “Aged Accounts” eBook and Tradelines from www.tradelinesforcredit.net Check it out, and let me know how it when.

[@kandace.withak]

Would you recommend getting prequalified when you don’t necessarily have the funds (yet)?

[@godschildb4thewomb198]

Don't do it...wait until you have the income to do so you must have all of your ducks in order beforehand

[@ShaheedahHill]

I typically recommend getting qualified about 6 months out so if there is anything you need to clear up you an do that before you begin shopping for a home. Until then start saving, working on credit and debt.

[@imtrolling5059]

Shaheedah Hill Real Estate thanks for replying to the posted comment. Question: we qualify for a USDA loan first time buyer down payment assistance (GSFA). If, in a few months, we don’t need the assistance, is it in any way harmful to re-apply for different programs/rates/etc? Thank you for your videos.

[@JohnSmith-iy1uy]

@@imtrolling5059 Hi, I see you and I have both interested in in the same topic. Let me tell you, that I was able to boost my credit 142 points in 30 days and secure $32,000 in credit with the Free “Aged Accounts” eBook and Tradelines from www.tradelinesforcredit.net Check it out, and let me know how it when.

[@Draticulon]

Do you have any videos on first time home buyers looking for a mobile/manufactured home?

[@ShaheedahHill]

I don't but good idea, thank you for watching.

[@JoshIsOnAMission]

Lenders are literally there to make this deal happen. Clients need to learn to be transparent about their finances with the lenders. Not sure if it's a cultural thing, but often where I'm at clients don't want to ask money type related questions.

[@ShaheedahHill]

Very true, they are working for you so don't try to hide things. I have learned to ask better questions upfront, like do you owe the IRS? Where specifically is your down payment coming from? Etc....I don't think they realize how not disclosing items upfront may cost them the deal.

[@gayleangles7909]

Wow thanks for all the information...thanks 🦋

[@ShaheedahHill]

You are so welcome

[@wangeltuzon8304]

Hi! After you got pre-approved, lenders will only give you loan estimates once you are under contract, right? Can I still work with multiple lenders to see which one gives the best deal when I'm under contract? Thanks.

[@ShaheedahHill]

You can get an unofficially loan estimate prior to going under contract. Please watch this video and the follow up video mentioned at the end of this video. - kzbin.info/www/bejne/bWPRnmWoer19Y68

[@iskandarjalilov4717]

I am a first time home buyer. Couple lenders I spoke to said all closing costs ahead of time will not be accurate as the actual closing time comes around. Any suggestions?

[@ShaheedahHill]

They are correct it won't be exact but the estimate will be close. I would tell them you want an estimate using your max price, the current interest rate and the zipcode for the city or county you are likely to live in so you can estimate the taxes. Then you will have a pretty accurate worse case scenario. As interest rates change you can use a mortgage calculator to estimate your principal and interest amount. Thanks for watching!

[@iskandarjalilov4717]

@@ShaheedahHill there should not be a problem with them providing it right? What is they say they can't give me those numbers? Is it a red sign?

[@ShaheedahHill]

@@iskandarjalilov4717 If they have pre-approved you they should have no problem providing you with a loan estimate. It is a very common practice, if they are not willing to provide you with one I would find another lender.

[@JohnSmith-iy1uy]

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[@latisha1f]

I absolutely agree!!! Estimates are very important. Those quotes are paramount and will help you determine the best rate. Don’t be excited when you get approved. They need your busy just as much as you need a home... Look around for the best rates and best service... Budget... Budget... Budget!!!! I’ve purchased several homes over the years... if I could emphasis anything it would be BUDGET and watch all Shaheeda’s videos!!!!

[@ShaheedahHill]

Thank you🙂 Yes, that estimate is sticker shock.

[@latinamorris9436]

The student loans is what hurting me I’m on a ibr with a 0 payment for 10 years

[@latinamorris9436]

I don’t know if I’ll ever be able to get my house fooling with these student loans

[@latisha1f]

Latina Morris You will. I started to target one loan at a time. I would pay my regular payments on all my loans then whatever extra money I had I would pay it on one. Soon enough I had pay ten loans off. I started with 37 total some undergrad and grad loans. Make sure you pay then on time. Also if for reason you can’t pay. Call them and I try to get deferred. My grandmother would always tell us... “pennies and up to dollars so watch and budget your money closely”. Also, you will need to be prepared to sacrifice for your ultimate goal...

[@ShaheedahHill]

@@latisha1f great advice, thanks for sharing.

[@zacherysturkey1]

Very great video sister

[@ShaheedahHill]

Thanks

[@allthingsalecia]

You’re amazing! I’ve been binge watching your videos as we’re in the process of buying a home. We haven’t owned since 2019 so it feels like starting over!

[@catherineg8820]

Another great video! Thank you!

[@ShaheedahHill]

My pleasure!