First Time Home Buyers affordability is a problem nationwide, learn how to afford a house in this market. ✳Do Not Buy a House without my First Time Buyer's Guide https://bit.ly/3uI0JvL ✳

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0:00 Introduction
1:16 Topic of the Video
1:56 Look for Homes on the Market for 30 Days
6:56 Ask for Seller Contributions to Buy Down Rate & Pay Closing Costs
8:43 Ask Seller if Mortgage can be Assumed
9:11 Three Bedroom/ One Bathroom Homes
11:31 Should we wait if the Prices of Houses are Unreasonable?
15:17 Why do Lenders go off Gross Income when Determining your Debt to Income Ratio?
17:00 Bouncing Back from a Damaged Credit Score
18:39 Is it Worth Buying a Single Family Home if you make less than $80K net Annually?
20:03 Are there any Additional Programs or Grants for Veterans to use with VA Loans?
21:28 How Much Equity Does a Seller Have?
23:48 Getting a Deal on a home that went from Listed to Renting?
24:44 What is Manual Underwriting?
26:42 Advice on Taxes if you didn't Escrow in Taxes and Homeowner Insurance
30:12 Getting a Deal on another House if the Condo's Mortgage is $20K
32:49 The 40 Year FHA Loan
35:37 Finding a Seller that lets you Assume their Mortgage
36:27 Is USDA a Good Loan?
38:13 Finding Houses that are not Listed Publicly
40:20 Do Lenders Base PreApproval on your Savings on the Date of Applying or Can it be Adjusted Later?
43:23 Difference between a Foreclosure & a Short Sale
46:03 Which is the Final Price between Listing Price & Appraisal?
50:16 Getting a Loan with a 600 Credit Score
52:01 Qualification for FHA Loan
53:06 How much would a Lender Approve with a $150K Income and $100K Student Loan?
54:43 The 321 Buy Down Process
56:24 What is the PMI on the FHA Loan for?
58:27 Getting a Deal if a House is on the Market for over 60 Days
58:43 Limit on the Renovation Loan
1:00:56 Using the Advice to Boost the Credit Score
1:01:31 Is it Alright for the Seller to ask for Proof of Down Payment and Closing Cost?
1:03:54 Buying Foreclosed Properties
1:04:06 Protecting yourself from Losing a Home to the Builders who are Building your New Home
1:05:12 Is it necessary to apply all your Savings towards Down Payment & Closing Cost?
1:06:23 The PreApproval Process
1:07:32 California Dream Program
1:08:40 Buying a Townhouse or Condo without having to Deal with HOA
1:10:45 Is there a First Time Home Buyers Down Payment Assistance Program when you Qualify for FHA Loan?
1:11:18 Staying Motivated in the Changing Market
1:14:31 People asking for things Outside the Norm
1:14:58 My First Time Home Buyers Guide
1:15:31 Outro