Let's Buy a House!

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Self Employed Home Buyers often get the short end of the stick, I see it everyday! Lenders have taken note and Now there are some new Loan Products designed specifically for you the small business owner / self employed buyer! This is such a great option and I have helped many buyers who almost lost their deposits on homes because the lenders they initially went to were trying to qualify them with a traditional home loan (Fannie or FHA) and it just didn't work.  If you are planning to buy in 2024 or even in the next couple years, just tune in and see if this loan product sounds like it could work for you, now you do have to come in with more than your minimum down payments that Fannie and FHA allow, you're typically looking at a 20% down on these loan programs. Have questions ? Feel free to connect with me on my socials! I am pretty good about responding! Cheers Friends! 

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Ok so although it's Zero Down Payment there are some **Stings Attached** (Of course)...  Here they are, so it's actually granted to you in the form of a 2nd mortgage which has no monthly payments and does not accrue interest and... does need to be paid back upon refinance, sale or once you've paid off the loan, But hey, it get's you into homeownership man! Listen to the episode, I babble a bit because I haven't recorded an episode in over a year and I was kinda all over the place oh and I recorded while on a Tik Tok LIVE!!!!  I deleted about 100 ummms, you're welcome! :) Bye! 

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What is a home renovation loan? Are they complicated? How can you get one and why do you need one?

I answer all these questions about Home Renovations loans. They are surprisingly easier than I thought they would be. 

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Listen in as there's a new program to help buyers reduce interest rates temporarily. This may help if buyer is then able to refinance when rates come down again.

The kicker is that you need to go through a broker. Banks don't want to do this program, but a mortgage broker can help you. 

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Do you qualify and qualify comfortably with a monthly payment to buy a new house? With the rising interest rates, does it make sense to buy a home due to rising interest rates? 

Learn about your debt-to-income ratio and if interest rates are driving house prices down.

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Are you panicked over rising rates? 

This may still be okay if you're trying to buy a house. There may not be as much competition for getting into the house you want. Instead of it being over-crowded with crazy offers, you now may be able to get the house you want.
 
Yes, rates are higher. But when you look at what your monthly payment is, it doesn't mean you can't get a home. Plus, refinancing when the rates are lower is always an option.

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If you have a side hustle, do you know how to report that as income when buying a house? Listen in as we talk about what that means for your overall income. 

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FHA loans are not as bad as they seem. 

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Did you know you may not need 20% down to buy a house? I can help you figure out just what you can get, how much down you need to pay, and more. Sometimes it's as little as 3%!

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More questions are asked about the buildings that are new to condo loan applications. This is a good thing.

Whether you want to buy or sell a condo, or if you're a realtor, it's important to do your homework. 

It's a complicated process, which has become more complicated in the last year. I've done the research and education in this process.

Reach out to me if you have questions about condo lending.