Couples – Are You Ready to Buy? | Married Buying Your First House | First Time Buyer Tips
Buying Your First House as a Couple Questions Answered LIVE✳️Do Not Buy a House without my First Time Buyer’s Guide – https://bit.ly/3uI0JvL ✳️
▶️Married Buying a House:https://youtu.be/D5ffUiU8omw
▶️How to increase your spouse’s credit score: https://youtu.be/vq7f5UE8hSg
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Ready to Buy Your First House? Watch these videos & Visit my playlists!
⭐8 Steps to Buy a House – https://youtu.be/fgUkwjA12V4
⭐ Where Should You Start? – https://youtu.be/0IOl5pAC_Gk
⭐ Most Important People in the Home Buying Process – https://youtu.be/5N70wMXgmgU
⭐ What is Included in your Mortgage Payment: https://youtu.be/P_JC8b6wKMU
⭐New Construction – https://youtu.be/QoCctKxuJxA
⭐FHA or Conventional – https://youtu.be/gXfEGPd3k4Y
⭐Buying a House with Student Loans – https://youtu.be/yunqWv1xIUU
⭐7 Day Perfect Credit Plan – https://youtu.be/4QU7g6IS7BQ
⭐Can you afford a house: DTI Ratio – https://youtu.be/S3glBuf2fRw
⭐What happens at closing –https://youtu.be/heCUdtcGMls
⭐NACA Home Buying Program –https://youtu.be/HLLluwaAfrQ
⭐Should I Rent or Buy? – https://youtu.be/NPgOyRZKfmU
⭐ Get Your Real Estate License Online- https://youtu.be/kHen6QrArwg
⭐⭐PLAYLISTS – https://www.youtube.com/c/ShaheedahHillRealEstate/playlists
⭐Join My First Time Buyers Facebook Group⭐
https://www.facebook.com/groups/HillsFirstTimeBuyers/members/
🔴Real Estate Agents – Ready to get LEADS from YouTube? Get MY Top 3 Tips for YouTube Agent Success: https://mailchi.mp/b431bee215bf/my-top-3-tips-for-youtube-success
0:00 – Today’s Topic
1:24 – Buying a House as a Couple
2:53 – Couples having Different Credit Scores
4:10 – One Person on Mortgage / One Person on Deed
5:47 – Next Step after Underwriting
6:54 – When Calculating DTI as a Couple, Do we Combine all the Bills & Gross Income?
8:53 – Having Car Debt vs Not having Car Debt on your Credit
11:24 – What to do if Fiancé has purchased a Home in the Distant Past?
13:18 – Ideal DTI to Qualify for a Mortgage as a Couple
14:30 – Credit Score used for Closing on a Home with Fiancé
16:24 – Conventional Loan vs FHA Loan
17:17 – Recommended Loan while having an Excellent Credit Score
19:37 – Why is the Lowest Credit Score Counted?
20:39 – Should we Wait to Purchase a Home due to the High Interest Rates?
23:02 – One Person being on the Mortgage and Other being on the Deed
24:21 – Should we wait for the Pre-Approval Letter before House Hunting?
25:25 – Applying for a First Time Home Buyers Program as a Couple
28:14 – FICO Score being Higher than other Credit Score
30:32 – Should we be Moving our Money Around in the Current Housing Market?
31:58 – Difference between Pre-Qualified and Pre-Approved
34:06 – How much is a Mortgage on a 525000 House?
34:41 – Benefits of only Putting One Spouse on the Mortgage if both could Pre-Qualify
37:32 – Forever Home vs Temporary Home
41:16 – Does the Lender Approved Amount Change on Building vs Buying a Home?
45:12 – What to do in the Forbearance Program for Property if you can’t Pay in Bulk?
47:08 – Should we wait for Student Loan to be Erased to Start Pre-Approval Process for DTI?
49:33 – Getting a House with Low Credit Score
51:15 – Does the Higher and Lower Credit Score of a Couple Impact the Loan Approval?
52:14 – Is it a Good Time to Buy?
55:03 – Holding Closing Cost Fees to Roll it over onto the Mortgage Payment
57:22 – Building Credit under Ch. 13 Filing if Applying for a Secured Card
59:37 – Qualifying Process for a Couple to Buy an Investment Property as First Property vs a Home to Live in
1:03:05 – Outro
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