Every time I listen to this guy, I think “everything is going to be okay”. And then I go into the real world where everyone tells you if you don’t have over a 700 credit score, bother applying for anything.
@REI-202443 жыл бұрын
Maybe finding a lender that’s willing to work with you. Often, people want to work with loans that are easy. Don’t give up, keep searching for the right person. I’m doing that now.
@furbabieswithattitudes80153 жыл бұрын
Ya and everytime you go to a new place its a new credit check on your report for them to tell you no... Noone wants to do the leg work to get you the fha loan with the actual lower score requirements. They want it easy for them.. in and out and they make their money... before you ask yes I am very salty with these companies.. lol
@BingeGamer692 жыл бұрын
Been working on my credit for two years. Still get turned down and need to get my family moved asap kkk members are threatening them need help asap please need $60,000 I have a amazing job and can it back just need the loan now
@TheRealPuddlez Жыл бұрын
Haha facts
@backyard9144 Жыл бұрын
@@REI-20244did you have any luck finding a lender with low credit
@MichaelJ8433 жыл бұрын
This is some good information Kyle, never heard this before. You have a good heart.
@lisacastano10643 жыл бұрын
It only took me about 6 months to get a 640 credit score for my husband and I. Now it's at 730
@WinTheHouseYouLove3 жыл бұрын
Thanks for sharing!
@mindyechols68192 жыл бұрын
Did you increase your credit score without having to pay off a bunch of stuff.
@lisacastano10642 жыл бұрын
@@mindyechols6819 no we had no credit at the time
@X11CHASE Жыл бұрын
No credit is a lot easier to solve than preexisting negative history
@bigtime143 жыл бұрын
This is exactly what my husband and I needed. Reassurance! Thank you so much ☺️
@WinTheHouseYouLove3 жыл бұрын
Glad it was helpful! Wishing you all the luck!
@coachjosephgonzales3 жыл бұрын
Ok, you’ve got to do a tutorial on how you are getting your text on the screen with the iPad and to get it to look transparent. Great video!
@WinTheHouseYouLove3 жыл бұрын
Thank you sir! First, I screen record my iPad and use a drawing app called Adobe Fresco. Then, I record the video while drawing any notes on the iPad. Next, I import both the screen recording and video into Final Cut Pro. I overlay the screen recording on top of the video and sync them up so you can see me draw and talk at the same time.
@coachjosephgonzales3 жыл бұрын
@@WinTheHouseYouLove Thanks so much! That is a solid workflow and I am sure takes some dedication and practice, but the quality shows. Kudos!
@frankbo25 Жыл бұрын
I found this video at a point in the my homebuying process where I was ready to give up and say it wasnt possible. I took the advice and motivation and now I am a 1st time homeowner!! My boys and I love our new place...thank you!!
@TMAItalia3 жыл бұрын
Kyle, you are a true blessing
@TeeClausell2 жыл бұрын
My husband has 750+ and I have low 500. He wants a CONV . But will me applying with him affect us?
@Zayahs.Gametime3 жыл бұрын
I was told by almost everyone my score needs to be a 640 or better i have a 595 and no one wants to approve me for a home loan.
@lisacastano10643 жыл бұрын
Check with lowvarates they do other loan types.
@Zayahs.Gametime3 жыл бұрын
Thanks i will
@ButtonBabbleCreations3 жыл бұрын
Your standard credit score is different than your mortgage score. When I was at 595 with Credit Karma I later found out that my mortgage score was actually 480. I was devastated. Also, you have to shop for lenders. Just because FHA allows 580 credit score, some lenders have their own requirements. For example, we were trying to get a house with a builders preferred lender and they required a minimum of 600 credit score whereas right across the street a different builders lender only required a 580.
@lisacastano10643 жыл бұрын
@@ButtonBabbleCreations when I was at 620 mine was the exact opposite our mortgage score was 671. Credit karma isn't the best for keeping track of your scores I use the ones from my bank and my credit cards to keep track.
@WinTheHouseYouLove3 жыл бұрын
Remember that your payment history is your credit rating. If you pay on time or in advance, expect that your credit score will shoot up to 800. It doesn't matter if it's a big or small purchase, as long as you pay all your dues on time.
@lilcutenurse3 жыл бұрын
How do I get you to work on my loan with BOA?
@WinTheHouseYouLove3 жыл бұрын
Thanks for commenting! To see if you can qualify for a loan, you'll want to reach out to a loan officer who can help. You can click Apply on my website (www.winthehouseyoulove.com/) to be connected with a loan officer I trust.
@TamaraNiKole3 жыл бұрын
@@WinTheHouseYouLove Even if you are not in Ohio? I live in Illinois
@lisafarmen93672 жыл бұрын
Hi! I love your videos! They are so indepth and educating. I wish you did loans in Oaklahoma..do you happen to have any referrals? A lender knowledgeable in credit issues and FHA. THANK YOU!
@WinTheHouseYouLove2 жыл бұрын
Thanks for watching! Yes, email me at kyle@winthehouseyoulove.com
@harrysachs37373 жыл бұрын
You my friend are awesome for making these types of videos.
@georgesenda19523 жыл бұрын
What do you do if injuries or illness made you unable to make payments ?
@channeldiali Жыл бұрын
Is it only the score ? Or other factors like collection, charge offs .....???
@pixelated_introvert3 жыл бұрын
Great content as always Kyle!! Super helpful & love the format!! Ty! 💜
@ap95832 жыл бұрын
Thank you so much so nice to know these tips!
@WinTheHouseYouLove2 жыл бұрын
You are so welcome! I hope it will help you with your home buying process.
@christyylove60843 жыл бұрын
Have great credit still watching anyways because Kyle is just so informative.
@madpennfoodchannel75012 жыл бұрын
Thank You 🙏
@WinTheHouseYouLove2 жыл бұрын
Any time!
@skylarjadefabien8204 Жыл бұрын
thank you. how can we reach you.
@WinTheHouseYouLove Жыл бұрын
You can schedule a call with our team at www.winthehouseyoulove.com/
@philiposborn91413 жыл бұрын
What about charge offs and collections?
@MyLifeInVideos2 жыл бұрын
Would one negative mark hold me back ? I have one negative mark of a t-mobile bill. Other then that no credit but working on establishing credit now if I don't take care of that negative mark but raise my score is that good ?
@DaleHiggins-m4c11 ай бұрын
I saw a video of a woman who says she bought a home with USDA. She says 640 score you fly on thru. Like guaranteed approval. Assuming meet the income, dti
@analeo02773 жыл бұрын
Omg you got so much good info…unfortunately most of loan officers are not very updated nor are unwilling to listen when I bring up this options, most of them act like they know it all and they automatically deny me 🥴
@WinTheHouseYouLove2 жыл бұрын
🥴Thanks for watching!
@06jsil3 жыл бұрын
I have a 630 and my wife has an 602 but we are working to get her to a 620 before we go for a home loan
@lub60213 жыл бұрын
I appreciate your videos. They always come across has thoughtful, helpful, and well meaning!
@charlesharrell15663 жыл бұрын
Are there any exceptions to the two year rule for bankruptcies?
@kanikajones75963 жыл бұрын
I have a question do you know if any good loan places in VA my score is. 620 and I can’t get and approval
@michellem38793 жыл бұрын
Most lenders in VA and elsewhere are now looking for a minimum of 640 regardless of the program used. I quickly looked at Nexa’s website and it looks like they do loans in VA. I will tell you to avoid VHDA if you’re even thinking of occasionally paying extra on principal down the road. They do not allow partial or principal pay down payments (learned this when I mentioned paying it down to my daughter who has one).
@Zenatawarrior3 жыл бұрын
What state?
@WinTheHouseYouLove3 жыл бұрын
Make sure to watch the end of this video
@TamaraNiKole3 жыл бұрын
Thank you for this! I really appreciate it.
@The_F_In_Life3 жыл бұрын
I have fair credit but 2 unpaid loans on my report. Is there anyway I can buy now? I got turned down a few times now recently. I applied for both FHA and USDA. I’ve been working on my credit and saving for a down payment. We really need to move.
@WinTheHouseYouLove3 жыл бұрын
That I can help, let me connect you to a loan officer that is trustworthy and we can start from there. here's the link: www.winthehouseyoulove.com/
@The_F_In_Life3 жыл бұрын
@@WinTheHouseYouLove I was just told my credit score has to be 620 before I can apply. It seems like they just want to help the credit repair companies and not me. Please help
@kfergus366210 ай бұрын
I have 7 buyers who want to buy my house, I want a smaller one floor plan in Chesapeake,Ohio. But with mine and wife credit score it’s not going to happen..if you could help,thanks
@shawndawashington86233 жыл бұрын
Man this was such an awesome video! Thank you Kyle!
@WinTheHouseYouLove3 жыл бұрын
Glad you enjoyed it!
@zirecara3 жыл бұрын
Does this apply to no credit as well?
@WinTheHouseYouLove3 жыл бұрын
Yes, it's possible to get a mortgage without a credit score, but the process is typically faster when you have a credit score. :)
@prettynatural19733 жыл бұрын
Thanks
@temekan3323 жыл бұрын
Hi Kyle. Thanks for the info. Do your tradelines have to be atleast 2 years old for conventional? All of mine are only 1 year old or less. All on time payments.
@WinTheHouseYouLove3 жыл бұрын
2 years is usually best
@stephanieharries77462 жыл бұрын
Great speaking voice
@WinTheHouseYouLove2 жыл бұрын
Thank you!
@darrelbrock93893 жыл бұрын
Hey thank you .your videos are the best information I've heard .
@jennifermeans953 жыл бұрын
You rock Kyle because you're dropping gems! Never heard of the critical concept of FHA Compensating Factors.
@daniellizarraga38973 жыл бұрын
Great video!!! Thank you for putting this out! How do the loan officers verify the rental payments if it’s not on your credit report for underwriting?! Also what if you have a repossession from a long time ago?!
@mhart943 жыл бұрын
They ask for a verification letter from your landlord and copies of your checks or electronic deductions from your bank.
@daniellizarraga38973 жыл бұрын
@@mhart94 thank you
@ButtonBabbleCreations3 жыл бұрын
If you’re willing to pay for your landlord to report your on time payments, you can sign up for Rent Reporters. I did this and they started reported my payments within 2 weeks and my credit score jumped up significantly.
@WinTheHouseYouLove3 жыл бұрын
Verification of rent document and copies of checks/bank statements
@tylerthomas45942 жыл бұрын
When you say a limit of x amount of 30 60 or 90 lates, within what time frame? For example, if there are 90 day lates from two years ago, is that going to disqualify from AUS? Thanks!
@WinTheHouseYouLove2 жыл бұрын
The AUS system is a bit complex. Basically a recent late payment is viewed as more negative than an older one. So making sure there are no recently lates is the goal, but lates (especially older ones) won't immediately disqualify you.
@Mina-nq1ie3 жыл бұрын
Another great video. Thank you 😊
@WinTheHouseYouLove3 жыл бұрын
Thanks for watching!
@marychelecamu86022 жыл бұрын
Hi by any chance do you service PA?
@WinTheHouseYouLove2 жыл бұрын
My team works in all 50 states! Send me an email kyle@winthehouseyoulove.com
@marychelecamu86022 жыл бұрын
Hi Kyle just sent you a email. Thank you
@elainemalcolm83492 жыл бұрын
@@WinTheHouseYouLove i just asked the same question if you have lenders in Pennsylvania.
@thecharmshopp3 жыл бұрын
What is considered late rent payment? 30 days?
@WinTheHouseYouLove3 жыл бұрын
If it's due on the 1st, and you pay it on the 2nd, it's late.
@sheikmoto72572 жыл бұрын
What if I have a bad score but my on time payments read excellent oldest credit line is two years credit used reads excellent
@WinTheHouseYouLove2 жыл бұрын
Hi! Try to check if you have any payments that you need to dispute.
@ashleymcdaniel8273 Жыл бұрын
I have 26 late payments on my car loan. It’s recently current. Am I able to get approved if everything else is on time?
@nowyourtraveling3 жыл бұрын
Great video!!! Hoping to get a loan!!
@WinTheHouseYouLove3 жыл бұрын
Best of luck!
@georgesenda19523 жыл бұрын
I had a series of horrible injuries mostly caused by others in the last 15 months. I had a perfect credit score until May when I was injured by a deflating air bed, in horrible pain, could not walk for 9 weeks & was in so much screaming pain, I was only able to pay 1/2 my credit. I am now getting back on my feet, literally physically & financially. I am now paying credit off slowly & did pay off one account this month.
@brimoore20073 жыл бұрын
After watching several of your videos, I decided it would be best for me to step back for 6 months to a year just to get my score a bit higher.
@WinTheHouseYouLove3 жыл бұрын
Thank you so much for watching!! :)
@stephanieh52163 жыл бұрын
Enjoyed the video! Oh, and your voice is amazing 👏
@WinTheHouseYouLove2 жыл бұрын
Thanks 😅
@michelleharris85833 жыл бұрын
Great video
@WinTheHouseYouLove2 жыл бұрын
Glad you enjoyed it
@jedlazine56912 жыл бұрын
this video is amazing its the best i have watched, listen to what he actually says he clearly tells you its going to be work, and you should delete the scam messages off your video its very disrespectful . good job with this video and i will do the work, great job.
@WinTheHouseYouLove2 жыл бұрын
Thanks for watching! The scam messages are a KZbin problem, it's impossible to keep up with the hundreds of fake accounts created all the time
@Itsascorpiothang3 жыл бұрын
This approved lender is telling me we need a 680 at least for the middle score for a usda loan and I’ve never seen that anywhere. I should find a new lender who uses 640 in case my score doesn’t come up quickly enough, right?
@WinTheHouseYouLove3 жыл бұрын
It's tough to say just on this comment. You'll want to talk with multiple people who can help you explore options
@STANDALONE1003 жыл бұрын
EXCELLENT Video!!!!! Keep up the good work!!!
@WinTheHouseYouLove3 жыл бұрын
Thank you! Will do!
@thetriadbroker3 жыл бұрын
I want to share you as one of my preferred lender! I have watched your videos for atleast 2 years.
@WinTheHouseYouLove3 жыл бұрын
Thanks! I don’t originate loans personally at the moment though
@thetriadbroker3 жыл бұрын
@@WinTheHouseYouLove I will keep watching. Hopefully you will in the future. :-)
@cryptojuan5897 Жыл бұрын
Heloc?
@WinTheHouseYouLove Жыл бұрын
What about a HELOC?
@bradbowers352 Жыл бұрын
I'm sorry to ask this question to you I have a 580 ish credit score. First time buyer the negative marks I have our when I went on a trip overseas for a few months my credit cards got past due but when I got back I paid them off. My base pay is 1750 a week. My lease is running out and I really don't want to give somebody rent anymore. Will I be able to get a loan for like 200k to buy a house ?
@frankbo25 Жыл бұрын
Yes, I was able to get approved for $250k with a similar score and income
@niaanderson71243 жыл бұрын
I need you as my loan officer! You are very helpful and informative. Do you provide service for KY residents?
@WinTheHouseYouLove3 жыл бұрын
Thanks, I'm glad to help! I don't, but you can go to my website and I can recommend a lender I trust :)
@niaanderson71243 жыл бұрын
@@WinTheHouseYouLove Just did, thank you :-)
@elainemalcolm83492 жыл бұрын
@@WinTheHouseYouLove Do you know any good lenders in Pennsylvania information please.
@theforestisdark9676 Жыл бұрын
Please help, I'm currently in escrow I have a credit score of 800 and one credit card but havent used it in 1-2 years till just now, it was still active but credit report shows "recent lack of inactivity" but again 800 credit score I do have a history of making my payments on time when i was using it, I've had the card for 7 years would that disqualify me from a mortgage? My co signer has a good history.
@aliciajanine16493 жыл бұрын
Which credit score do mortgage lenders use? I just learned that Experian has different FICO credit scores....
@WinTheHouseYouLove3 жыл бұрын
Experian: FICO Score 2 based on Experian data; also known as Experian/Fair Isaac Risk Model Version 2 Equifax: FICO Score 5 based on Equifax data; also called Equifax Beacon 5.0 TransUnion: FICO Score 4 based on TransUnion data; also called TransUnion FICO Risk Score 04
@carasomebody64773 жыл бұрын
Ty
@WinTheHouseYouLove3 жыл бұрын
You're welcome! :)
@walterevans96572 жыл бұрын
How do we work with you directly?
@WinTheHouseYouLove2 жыл бұрын
You can check my website: www.winthehouseyoulove.com/
@AR-uz6kq3 жыл бұрын
I click on the link in the video and it took me to UMortgage. I have a 584 score. The rep said they only help people with a "620+" credit score :-(
@WinTheHouseYouLove3 жыл бұрын
I have a section at the end of this video for recommended lenders with that credit score 17:50
@bsh21wash13 жыл бұрын
Hey Kyle, had a question for you. Im curious how reimbursements are calculated into accounting for income when getting pre approved? For example I receive anywhere from $550-$1200 a month for car allowance depending on how many miles I drive. I have a $525 a month car payment and wondering if they can offset that seeing its basically paid for by my work thru the reimbursement?
@WinTheHouseYouLove3 жыл бұрын
Hi! The best person to speak with regarding this is your lender, but if you have proper document's to back this up, you'll be good. Best of luck!
@lachelsk3 жыл бұрын
Hello We are in the process of buying a new build. We just found out that we just got a 30 day late it dropped my husband score by almost 100 points. We are suppose to close in Nov-Dec. it’s conventional loan. Will we be able to buy our house?
@WinTheHouseYouLove3 жыл бұрын
Woah! It all depends on the lender. Best of luck!
@sd80233 жыл бұрын
I had bad credit in 2017 and had good credit The last four years of payments on time.. but they keep updating the 2017 to make it look like it’s active now I don’t understand it hurts me as far as buying a house can you help
@WinTheHouseYouLove3 жыл бұрын
Hi! For the 3 big credit rating companies, late/missed/ bankruptcies will stay in the report for approximately 7 years. So be very careful of your delinquents. Best of luck!
@gracel44743 жыл бұрын
Hi Kyle, I am wondering if I go forward in attempting to buy - it would be my first time. How would you recommend I go about it? Meaning should I go through Bank of America with the 17,500 grant offer for down payment option, or should I go through like an FHA or Government assisted loan with 0?or 3.5% down? I am pretty clueless on how. to go about this right now. I have been trying to learn through your video's but I guess I am a slow learner lol
@WinTheHouseYouLove3 жыл бұрын
It's totally up you. Purchasing a home is a big decision and before you dive in to a loan, you need to weigh the cons and pros. Here's my suggestion: to see if you can qualify for a loan, you'll want to reach out to a loan officer who can help. You can click Apply on my website (www.winthehouseyoulove.com/) to be connected with a loan officer I trust. :)
@prp1343 жыл бұрын
Eugh! I say just work on your credit so you can get a conventional loan. I got an FHA pre approval on 640 but it’s really pointless because my offers get overlooked in today’s market. I get overbid on semi decent homes. Or My offer gets overlooked on fixer uppers because the owner is unwilling to fix anything to pass inspection. Or Any showings gets automatically cancelled once they find out I have an FHA I gave up, it’s been 6 months since I got approved. I guess I’ll be renting forever.
@WinTheHouseYouLove3 жыл бұрын
Don't loose hope! Best of Luck!
@Tshanholtz19913 жыл бұрын
Awe too bad you don’t live close to me. I just sold my own to an fha loan. No issues we had. But I understand the fha loan. The appraiser has to be the final say to what needs done. Forget the inspectors. If the appraiser says you need new gutters and the seller refuses to do it you’re out a house. And that blows.
@TD-bz7rg3 жыл бұрын
I had these same issues. Finding someone you know who is selling is a good start. Its what I had to end up doing
@RonLennard1020 Жыл бұрын
I need help getting a mortgage, I’m a truck driver
@WinTheHouseYouLove Жыл бұрын
You can visit my website: www.winthehouseyoulove.com and schedule a consultation. :)
@optamisticwilliams88233 жыл бұрын
Why does it take so long for you to get a letter stating if you're approved or denied from the USDA ? They told me it would take 30 days or lesser
@WinTheHouseYouLove3 жыл бұрын
Actually, the process from purchase contract to closing takes around 4-5 weeks. Good Luck!
@kitana313 жыл бұрын
My spouse has the 2 year employment history and makes the highest income out of both of us but has a 625 credit score. I have 700 credit score but less than a year employment. What are our chances of getting approved if we apply together? Our combined DTI is around 39%
@TheYogina3 жыл бұрын
I am in a similar situation. Unfortunately your credit score will mean nothing. They will base it completely off the one with the lowest credit score. They will run reports from the 3 bureaus and take his middle score. So if he has a 700,625,600 they will take the 625. Sooooo unfair how they do things. 🙁
@kitana313 жыл бұрын
@@TheYogina wow seriously?! That’s so crazy. So what benefit would it even be if I co-signed? Sounds like they don’t consider my score if I co-sign.
@WinTheHouseYouLove3 жыл бұрын
I suggest that you build your credit score to 800. Lenders prefer a DTI lower than 36%, with no more than 28% of that debt. Good Luck!
@totallychillgirl80723 жыл бұрын
Leave your husband off the loan. Use his income.
@sclapsclap177 Жыл бұрын
You can find a loan with your scores. Just apply
@Hollygdorsey1 Жыл бұрын
I am getting the run around with a 630 credit score. I don’t understand why. I’m a retired veteran, no bankruptcy, 15 year career with the Va. why is it this hard. I reported all my rent through a rental company. DTI is is 20k income is 127k. 😢 no one with work with me. I don’t understand
@WinTheHouseYouLove Жыл бұрын
Hi Holly! Just emailed you back :)
@Dblackmon19933 жыл бұрын
Everybody ive tried to use with my VA loan these days keep telling me 640 is the limit
@WinTheHouseYouLove3 жыл бұрын
I give options for that problem in this video
@francinebright56313 жыл бұрын
My credit score is 513,but I never had a credit card, it's just late payment and charge off,how can I get a house with this?
@WinTheHouseYouLove3 жыл бұрын
Sounds like you’re on step 2 and ready for step 3 :)
@francinebright56313 жыл бұрын
Can you help me with this
@prettyfacebundlesmoody93412 жыл бұрын
This sounds good, but????
@LalaLarrieux2 жыл бұрын
You are AWESOME and have such a great heart and spirit! Thank you for all you do. I'm learning so much from your videos.
@WinTheHouseYouLove2 жыл бұрын
Wow, thank you!
@justinrees24002 жыл бұрын
The good news is you can set a goal for 6-12 months from now to quickly bump your credit and your down payment at the same time.
@WinTheHouseYouLove2 жыл бұрын
Yes! Thanks for watching. :)
@aprox237 ай бұрын
I paid my credit card off in oct of 2023 and my credit is still garbage. 574 credit score. I dont get it, i always had good credit my whole life. Made one mistake during covid, and fixed it, and still being pentalized.
@WinTheHouseYouLove7 ай бұрын
That's really frustrating! You can set up a free consult with My Credit Guy to see if they can help: www.mycreditguy.com/
@nadegenicolas39633 жыл бұрын
You are wonderful, I’m so happy I came across your channel. You have provided me with so much information about home purchase. My goal is to be a homeowner soon. God Bless you
@Americanomondays3 жыл бұрын
Kyle, Hey man - want to say thank you for all of the videos and work you put into them. I cannot tell you how much I have learned from you over the past 4-5 months after coming across your channel. My wife and I are going to start moving forward with purchasing a home in the next few months and have been working hard on our credit. Hers is well above 700 but mine is low lower to mid 600's (depending on which agency is reporting). Thankfully - I just settled/paid my final closed card last week - and am waiting for that to show up on my credit report as zeroed out - and hoping that will help out - I'm nervous to have a lender pull my credit before that shows current. So fingers crossed it doesn't take forever. But this is a good video to remind me that there are many factors to my score and thankfully - we're using our current credit cards WAY smarter than ever before and finally understand paying off in full each month - and credit utilization. But yeah man - I feel like I've gone to school between your channel and others so it's greatly appreciated. Jeff.
@jenniferlego42213 жыл бұрын
Have you watched the live streams with Javier? Uplifting entertainment. You don't even know you are learning!
@WinTheHouseYouLove3 жыл бұрын
That's good to here. Thank you for the support!
@jrwheeler812 жыл бұрын
When I was 23 years old (many moons ago), I got my very first mortgage with a 625 middle FICO mortgage score. I didn't have bad credit, but I had very little credit, so that was suppressing my scores because my file was so thin and I didn't have enough revolvers. I only had one car loan and one credit card at the time, which isn't enough to build credit. However, I was able to qualify for a USDA no money down loan and didn't have to pay a dime at closing. My husband and I are now buying a new home with conventional. Remember, when you are looking at your credit scores before applying for a mortgage, make sure you are looking at your FICO Mortgage scores. FICO has several different scoring models. What you want to pull are your FICO 2 (Experian), FICO 4 (TransUnion), and FICO 5 (Equifax). Those are the scores mortgage lenders will see and they will use your middle score and will drop your lowest and highest.
@WinTheHouseYouLove2 жыл бұрын
Wow! Thanks for sharing this. :)
@nikkicas260 Жыл бұрын
Now they are using the lowest score… my family consist of 3 adults and some how they chose the lowest credit score 😂 America is crazy. Buying a house shouldn’t be a morse code.
@joshuaadetunji58753 жыл бұрын
Hey could I have your help
@WinTheHouseYouLove3 жыл бұрын
You're welcome to ask a question in a new comment. I can't see notifications on comment threads.
@Potatoroomr2 жыл бұрын
I love you man your content is amazing and easy to digest, bless you brother and thanks for everything you do💪🏽
@WinTheHouseYouLove2 жыл бұрын
I appreciate that! Thanks for watching. 🙂
@thafutureonline6192 жыл бұрын
Just contact a realtor that my friend who bought a house through referred me to. I don't have the best credit, but I have a large amount saved up, so hopefully by early next year (within the first few month of the year) I'll be in a new home for me and my daughter!
@jenniferlego42213 жыл бұрын
Kyle getting real! Haha. I like to whine about no-credit-score applicants (myself) are treated like bottom of the barrel. We have the same conditions as the 580 app. I choose not to play the "game" of debt. Consumers never win. I wish someone would require utility companies to report to credit bureaus each quarter (reasonable?). JMHO. As always, GREAT content! You are my favorite NON bio son. HEHEHE
@nalgas55693 жыл бұрын
You can actually self report that through the experian app. I did it at the beginning of 2021 to help build up my credit score and now I close on my first home on tuesday
@xxtoptankxx6873 Жыл бұрын
Also have manual underwriting. Churchhill mortgage is a very popular one. Highly recommended by Dave Ramsey. I plan to go that route however my score is 750. But I plan to pay off all debts so that score might tank.
@jaiej89983 жыл бұрын
Can you please do a video letting this audience know that you consumer score and mortgage score are not the same.
@WinTheHouseYouLove3 жыл бұрын
Thanks! Great suggestion!! I've been hearing more and more about them recently, so I will add it to my video ideas list :)
@jaiej89983 жыл бұрын
@@WinTheHouseYouLove thanks 😊
@Zenatawarrior3 жыл бұрын
How long have you been an LO Kyle and where are based of?
@WinTheHouseYouLove3 жыл бұрын
3 years out of Ohio
@aclark11974 ай бұрын
I think people believe that their priority of keeping up with the Joneses is my issue this morning clearly they should know better.#Follow the Rules
@christinalodge75972 жыл бұрын
Someone put 70 hard inquiries on my report!!!!
@excessnetwork42213 жыл бұрын
Dude what’s your IG?
@WinTheHouseYouLove3 жыл бұрын
I don't have one
@excessnetwork42213 жыл бұрын
Ah main, thanks for responding Just wanted to show you some 💜💜💜 I’m an RE agent and your info is such a big help And I wanted to do some content in my state And I wanted to use some your editing patterns and get your blessings 🙏
@WinTheHouseYouLove3 жыл бұрын
Sure thing, you're welcome to use any inspiration :)
@jackilove5233 жыл бұрын
♾✨🙏🏼💙Thank You💙🙏🏼✨♾
@Johnathanb09 Жыл бұрын
You have been by far the best wealth of I have receive of obtaining information regarding the FHA loan this video helped me tremendously!!!!!!