The 1st Time Homebuyer Show w/ Gizmo by House Rich

The 1st Time Homebuyer Show w/ Gizmo by House Rich

By Dave Ball @HouseRichDaveBusinessInvesting
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The 1st Time Homebuyer Show w/ Gizmo by House Rich episodes

  • 173: What can Shae (or you) afford on a $100K salary

    I help you figure out how much home you can afford on your

    salary. I look at a client of mine's credit, income and credit to determine what kind of home she can qualify for on her 100k salary in Dallas. You can use these tips to determine how much you can qualify for based on your personal DTI.

    Oh BTW there is a big difference between afford and qualify, we talk about that too.

    Looking for a home in Dallas? Schedule a call w/ me:

    https://calendly.com/houserich/dfw

    Outside of Dallas? Connect w/ a dope Realtor in your local

    market: https://homeandmoney.com/houserichdave/

     

    This is a show for millennial first time home buyers looking

    to buy their 1st home and build generational wealth through real estate. Real
    estate is a way to build black wealth and close the wealth gap.

     

    🏠🏡🔑🗝️🏠🏡🔑🗝️🏠🏡🔑🗝️Important

    info below ⤵️

    🤠I'm a Realtor in Dallas,

    TX. If you're looking to move to the Dallas, TX area or a local looking to buy
    I'd love to help. I'm Veteran (Go Navy!!) and have helped 100s of Texas (and
    out of towners) buy homes in my pervious life in the mortgage industry (I'm a
    guidelines nerd). Reach out to work with me.

    🤠In the DFW market?

    Schedule a planning call- https://calendly.com/houserich

    ⭐If you're looking for a top

    realtor in your area I can help you with that too.
    https://calendly.com/houserich/

    🏡World's Best Home Buying

    Tips: https://www.youtube.com/@Homebuyingtips

    🎙️My Podcast. Homebuying

    tips on the go: https://www.houserichshow.com/

    🏠Join my email list and

    get a FREE credit repair guideline:
    https://houserichdave.myflodesk.com/newsletter

    📚 New to the page? Start

    here for 2023 mortgage guidelines
    https://youtube.com/playlist?list=PLjFvxi72ii9j_J6dfqhvExAhE5lF5otgx

    David Ball Dallas Texas Real Estate Agent | Texas Real

    Estate License: 800326

    📽️📺📹🎥

    TikTok- https://www.tiktok.com/@houserichdave

    IG- https://www.instagram.com/houserichdave/

    @houserichdave

    16 min
  • 172: The 2024 Housing Market Forecast... Will there be a crash?

    I analyze 2024 housing market predication for industry

    experts as well as where interest rate will go in 2024. I look at

    2024 housing market predications from the Mortgage Bankers

    Association, CoreLogic, Fannie Mae, Redfin, Zillow and more.

     

    Looking for a home in Dallas? Schedule a call w/ me:

    https://calendly.com/houserich/dfw

    Outside of Dallas? Connect w/ a dope Realtor in your local

    market: https://homeandmoney.com/houserichdave/

     

    This is a show for millennial first time home buyers looking

    to buy their 1st home and build generational wealth through real estate. Real
    estate is a way to build black wealth and close the wealth gap.

     

    🏠🏡🔑🗝️🏠🏡🔑🗝️🏠🏡🔑🗝️Important

    info below ⤵️

    🤠I'm a Realtor in Dallas,

    TX. If you're looking to move to the Dallas, TX area or a local looking to buy
    I'd love to help. I'm Veteran (Go Navy!!) and have helped 100s of Texas (and
    out of towners) buy homes in my pervious life in the mortgage industry (I'm a
    guidelines nerd). Reach out to work with me.

    🤠In the DFW market?

    Schedule a planning call- https://calendly.com/houserich

    ⭐If you're looking for a top

    realtor in your area I can help you with that too.
    https://calendly.com/houserich/

    🏡World's Best Home Buying

    Tips: https://www.youtube.com/@Homebuyingtips

    🎙️My Podcast. Homebuying

    tips on the go: https://www.houserichshow.com/

    🏠Join my email list and

    get a FREE credit repair guideline:
    https://houserichdave.myflodesk.com/newsletter

    📚 New to the page? Start

    here for 2023 mortgage guidelines
    https://youtube.com/playlist?list=PLjFvxi72ii9j_J6dfqhvExAhE5lF5otgx

    David Ball Dallas Texas Real Estate Agent | Texas Real

    Estate License: 800326

    📽️📺📹🎥

    TikTok- https://www.tiktok.com/@houserichdave

    IG- https://www.instagram.com/houserichdave/

    @houserichdave

    18 min
  • 171: Everything you wanted to know and MORE about conventional loans, huge 2024 updates

    I cover the 2024 conventional loan

    guidelines. This is a mini-master class for 1st time homebuyers  covers updates covering the new

    2024 conventional loan limits

    2024 new down payment requirements

    for house hacking

    How a gift of equity works

    History of Fannie Mae and Freddie

    mac

    Bidens LLPA credit updates

    conventional loan gift funds rules

    conventional loan first time home

    buyer requirements

    conventional loan income guidelines

    conventional loan credit

    requirement

    conventional loan DTI requirements

    Seller concessional for

    conventional loans

    and more

    Looking for a home in Dallas?

    Schedule a call w/ me: https://calendly.com/houserich/dfw

    Outside of Dallas? Connect w/ a

    dope Realtor in your local market: https://homeandmoney.com/houserichdave/

     

    This is a show for millennial first

    time home buyers looking to buy their 1st home and build generational wealth
    through real estate. Real estate is a way to build black wealth and close the
    wealth gap.

     

    🏠🏡🔑🗝️🏠🏡🔑🗝️🏠🏡🔑🗝️Important info below ⤵️

    🤠I'm a Realtor in Dallas, TX. If

    you're looking to move to the Dallas, TX area or a local looking to buy I'd
    love to help. I'm Veteran (Go Navy!!) and have helped 100s of Texas (and out of
    towners) buy homes in my pervious life in the mortgage industry (I'm a
    guidelines nerd). Reach out to work with me.

    🤠In the DFW market? Schedule a

    planning call- https://calendly.com/houserich

    ⭐If you're looking for a top realtor in your area I

    can help you with that too. https://calendly.com/houserich/

    🏡World's Best Home Buying Tips:

    https://www.youtube.com/@Homebuyingtips

    🎙️My Podcast. Homebuying tips on the

    go: https://www.houserichshow.com/

    🏠Join my email list and get a FREE

    credit repair guideline: https://houserichdave.myflodesk.com/newsletter

    📚 New to the page? Start here for

    2023 mortgage guidelines
    https://youtube.com/playlist?list=PLjFvxi72ii9j_J6dfqhvExAhE5lF5otgx

    David Ball Dallas Texas Real Estate

    Agent | Texas Real Estate License: 800326

    📽️📺📹🎥

    TikTok-

    https://www.tiktok.com/@houserichdave

    IG-

    https://www.instagram.com/houserichdave/

    @houserichdave

    30 min
  • R.E.AD 12/18- Folks don't really care about the Navy Federal "news". Here are 3 questions to ask if your loan is denied.

    I discuss the CNN article concerning Navy Federal's discriminatory data. I also discuss question to ask

    when interviewing your mortgage lender to make sure they are a good fit for you. I also discuss 3 questions to ask your mortgage lender if your loan is denied

     

    The largest credit union in the US

    has the widest disparity in mortgage approval rates between White and Black
    borrowers of any major lender, a trend that reached new heights last year, a
    CNN analysis found.

     

    Navy Federal Credit Union, which

    lends to military servicemembers and veterans, approved more than 75% of the
    White borrowers who applied for a new conventional home purchase mortgage in
    2022, according to the most recent data available from the Consumer Financial
    Protection Bureau. But less than 50% of Black borrowers who applied for the
    same type of loan were approved.

    Looking for a home in Dallas?

    Schedule a call w/ me: https://calendly.com/houserich/dfw

    Outside of Dallas? Connect w/ a

    dope Realtor in your local market: https://homeandmoney.com/houserichdave/

     

    This is a show for millennial first

    time home buyers looking to buy their 1st home and build generational wealth
    through real estate. Real estate is a way to build black wealth and close the
    wealth gap.

     

    🏠🏡🔑🗝️🏠🏡🔑🗝️🏠🏡🔑🗝️Important info below ⤵️

    🤠I'm a Realtor in Dallas, TX. If

    you're looking to move to the Dallas, TX area or a local looking to buy I'd
    love to help. I'm Veteran (Go Navy!!) and have helped 100s of Texas (and out of
    towners) buy homes in my pervious life in the mortgage industry (I'm a
    guidelines nerd). Reach out to work with me.

    🤠In the DFW market? Schedule a

    planning call- https://calendly.com/houserich

    ⭐If you're looking for a top realtor in your area I

    can help you with that too. https://calendly.com/houserich/

    🏡World's Best Home Buying Tips:

    https://www.youtube.com/@Homebuyingtips

    🎙️My Podcast. Homebuying tips on the

    go: https://www.houserichshow.com/

    🏠Join my email list and get a FREE

    credit repair guideline: https://houserichdave.myflodesk.com/newsletter

    📚 New to the page? Start here for

    2023 mortgage guidelines
    https://youtube.com/playlist?list=PLjFvxi72ii9j_J6dfqhvExAhE5lF5otgx

    David Ball Dallas Texas Real Estate

    Agent | Texas Real Estate License: 800326

    📽️📺📹🎥

    TikTok-

    https://www.tiktok.com/@houserichdave

    IG-

    https://www.instagram.com/houserichdave/

    @houserichdave

    16 min
  • R.E.A.D 12/13 Fed hold rates steady, but are they really cutting rates in 2024?

    -The Federal Reserve held rates steady

    at the end of its two-day meeting Wednesday.

    -Many economists believe this

    concludes the central bank’s rate-hiking cycle, which aimed to bring down
    inflation without tipping the economy into a recession.

    -Still, the combination of higher

    rates and inflation has hit household budgets particularly hard.

    This is a show for millennial first

    time home buyers looking to buy their 1st home and build generational wealth
    through real estate. Real estate is a way to build black wealth and close the
    wealth gap.

     

    🏠🏡🔑🗝️🏠🏡🔑🗝️🏠🏡🔑🗝️Important info below ⤵️

    🤠I'm a Realtor in Dallas,

    TX. If you're looking to move to the Dallas, TX area or a local looking to buy
    I'd love to help. I'm Veteran (Go Navy!!) and have helped 100s of Texas (and
    out of towners) buy homes in my pervious life in the mortgage industry (I'm a
    guidelines nerd). Reach out to work with me.

    🤠In the DFW market?

    Schedule a planning call- https://calendly.com/houserich

    ⭐If you're looking for a

    top realtor in your area I can help you with that too.
    https://calendly.com/houserich/

    🏡World's Best Home Buying

    Tips: https://www.youtube.com/@Homebuyingtips

    🎙️My Podcast. Homebuying

    tips on the go: https://www.houserichshow.com/

    🏠Join my email list and

    get a FREE credit repair guideline:
    https://houserichdave.myflodesk.com/newsletter

    📚 New to the page? Start

    here for 2023 mortgage guidelines
    https://youtube.com/playlist?list=PLjFvxi72ii9j_J6dfqhvExAhE5lF5otgx

    David Ball Dallas Texas Real Estate

    Agent | Texas Real Estate License: 800326

    📽️📺📹🎥

    TikTok-

    https://www.tiktok.com/@houserichdave

    IG-

    https://www.instagram.com/houserichdave/

    @houserichdave

    4 min
  • R.E.AD. 12/11 44% of Homes Purchased in '23 were by Private Equity Firms & Dems introduce bill to ban hedge funds

    I discuss the report that 44% of all Single-Family

    Home Purchases were by Private Equity Firms in 2023 and tell what is and isn't true.

     

    I think cover how this relates to the bill and Democrats

    wanting to kick big investors out of the the housing market to improve
    affordability

    Looking for a home in Dallas? Schedule a call w/ me:

    https://calendly.com/houserich/dfw

    Outside of Dallas? Connect w/ a dope Realtor in your local

    market: https://homeandmoney.com/houserichdave/

     

    This is a show for millennial first time home buyers looking

    to buy their 1st home and build generational wealth through real estate. Real
    estate is a way to build black wealth and close the wealth gap.

     

    🏠🏡🔑🗝️🏠🏡🔑🗝️🏠🏡🔑🗝️Important

    info below ⤵️

    🤠I'm a Realtor in Dallas,

    TX. If you're looking to move to the Dallas, TX area or a local looking to buy
    I'd love to help. I'm Veteran (Go Navy!!) and have helped 100s of Texas (and
    out of towners) buy homes in my pervious life in the mortgage industry (I'm a
    guidelines nerd). Reach out to work with me.

    🤠In the DFW market?

    Schedule a planning call- https://calendly.com/houserich

    ⭐If you're looking for a top

    realtor in your area I can help you with that too.
    https://calendly.com/houserich/

    🏡World's Best Home Buying

    Tips: https://www.youtube.com/@Homebuyingtips

    🎙️My Podcast. Homebuying

    tips on the go: https://www.houserichshow.com/

    🏠Join my email list and

    get a FREE credit repair guideline:
    https://houserichdave.myflodesk.com/newsletter

    📚 New to the page? Start

    here for 2023 mortgage guidelines
    https://youtube.com/playlist?list=PLjFvxi72ii9j_J6dfqhvExAhE5lF5otgx

    David Ball Dallas Texas Real Estate Agent | Texas Real

    Estate License: 800326

    📽️📺📹🎥

    TikTok- https://www.tiktok.com/@houserichdave

    IG- https://www.instagram.com/houserichdave/

    @houserichdave

    9 min
  • 170: Everything you need to know about FHA loans, 2024 updated breakdown

    I breakdown the updated 2024 FHA loan guidelines for 1st

    time home buyers. In this episode I break down.

     

    The history behind the FHA

    Who is eligible for an FHA loan

    Who is considered a 1st time homebuyer by the FHA

    The FHA loan occupancy requirements

    FHA loan credit guidelines

    Mortgage insurance for an FHA loan

    Pros and cons of an FHA loan v a conventional loan

    FHA rates v conventional loan rates

    2024 FHA loan limits

    Seller concessions for an FHA loan

    DTI requirements for an FHA loan

    How the FHA treats student loans

    FHA loan appraisals

    FHA 203k rehab loan

    House hacking with an FHA loan and the FHA self-sufficiency

    test

     

    Looking for a home in Dallas? Schedule a call w/ me:

    https://calendly.com/houserich/dfw

    Outside of Dallas? Connect w/ a dope Realtor in your local

    market: https://homeandmoney.com/houserichdave/

     

    This is a show for millennial first time home buyers looking

    to buy their 1st home and build generational wealth through real estate. Real
    estate is a way to build black wealth and close the wealth gap.

     

    🏠🏡🔑🗝️🏠🏡🔑🗝️🏠🏡🔑🗝️Important

    info below ⤵️

    🤠I'm a Realtor in Dallas,

    TX. If you're looking to move to the Dallas, TX area or a local looking to buy
    I'd love to help. I'm Veteran (Go Navy!!) and have helped 100s of Texas (and
    out of towners) buy homes in my pervious life in the mortgage industry (I'm a
    guidelines nerd). Reach out to work with me.

    🤠In the DFW market?

    Schedule a planning call- https://calendly.com/houserich

    ⭐If you're looking for a top

    realtor in your area I can help you with that too.
    https://calendly.com/houserich/

    🏡World's Best Home Buying

    Tips: https://www.youtube.com/@Homebuyingtips

    🎙️My Podcast. Homebuying

    tips on the go: https://www.houserichshow.com/

    🏠Join my email list and

    get a FREE credit repair guideline:
    https://houserichdave.myflodesk.com/newsletter

    📚 New to the page? Start

    here for 2023 mortgage guidelines
    https://youtube.com/playlist?list=PLjFvxi72ii9j_J6dfqhvExAhE5lF5otgx

    David Ball Dallas Texas Real Estate Agent | Texas Real

    Estate License: 800326

    📽️📺📹🎥

    TikTok- https://www.tiktok.com/@houserichdave

    IG- https://www.instagram.com/houserichdave/

    @houserichdave

    31 min
  • 169: The most wonderfullll time of the yearrrrr

    I breakdown the best time of the year for a first time

    homebuyer to buy a home buy a home as a result of

    -new construction deals

    -negotiating power

    -tax benefits and more

    Looking for a home in Dallas? Schedule a call w/ me:

    https://calendly.com/houserich/dfw

    Outside of Dallas? Connect w/ a dope Realtor in your local

    market: https://homeandmoney.com/houserichdave/

     

    This is a show for millennial first time home buyers looking

    to buy their 1st home and build generational wealth through real estate. Real
    estate is a way to build black wealth and close the wealth gap.

     

    🏠🏡🔑🗝️🏠🏡🔑🗝️🏠🏡🔑🗝️Important

    info below ⤵️

    🤠I'm a Realtor in Dallas,

    TX. If you're looking to move to the Dallas, TX area or a local looking to buy
    I'd love to help. I'm Veteran (Go Navy!!) and have helped 100s of Texas (and
    out of towners) buy homes in my pervious life in the mortgage industry (I'm a
    guidelines nerd). Reach out to work with me.

    🤠In the DFW market?

    Schedule a planning call- https://calendly.com/houserich

    ⭐If you're looking for a top

    realtor in your area I can help you with that too.
    https://calendly.com/houserich/

    🏡World's Best Home Buying

    Tips: https://www.youtube.com/@Homebuyingtips

    🎙️My Podcast. Homebuying

    tips on the go: https://www.houserichshow.com/

    🏠Join my email list and

    get a FREE credit repair guideline:
    https://houserichdave.myflodesk.com/newsletter

    📚 New to the page? Start

    here for 2023 mortgage guidelines
    https://youtube.com/playlist?list=PLjFvxi72ii9j_J6dfqhvExAhE5lF5otgx

    David Ball Dallas Texas Real Estate Agent | Texas Real

    Estate License: 800326

    📽️📺📹🎥

    TikTok- https://www.tiktok.com/@houserichdave

    IG- https://www.instagram.com/houserichdave/

    @houserichdave

    9 min
  • 168: Lets go pocket watching, breakdown my commission check & quantifying the value to the buyer

    In this weeks episode I break down a commission check for a

    deal i closed in Dallas to show you how much a realtor typically makes from the
    sale of the home. I also quantify in dollars the value I added to the
    transaction from a buyers perspective.

    Looking for a home in Dallas? Schedule a call w/ me:

    https://calendly.com/houserich/dfw

    Outside of Dallas? Connect w/ a dope Realtor in your local

    market: https://homeandmoney.com/houserichdave/

     

    This is a show for millennial first time home buyers looking

    to buy their 1st home and build generational wealth through real estate. Real
    estate is a way to build black wealth and close the wealth gap.

     

    🏠🏡🔑🗝️🏠🏡🔑🗝️🏠🏡🔑🗝️Important

    info below ⤵️

    🤠I'm a Realtor in Dallas,

    TX. If you're looking to move to the Dallas, TX area or a local looking to buy
    I'd love to help. I'm Veteran (Go Navy!!) and have helped 100s of Texas (and
    out of towners) buy homes in my pervious life in the mortgage industry (I'm a
    guidelines nerd). Reach out to work with me.

    🤠In the DFW market?

    Schedule a planning call- https://calendly.com/houserich

    ⭐If you're looking for a top

    realtor in your area I can help you with that too.
    https://calendly.com/houserich/

    🏡World's Best Home Buying

    Tips: https://www.youtube.com/@Homebuyingtips

    🎙️My Podcast. Homebuying

    tips on the go: https://www.houserichshow.com/

    🏠Join my email list and

    get a FREE credit repair guideline:
    https://houserichdave.myflodesk.com/newsletter

    📚 New to the page? Start

    here for 2023 mortgage guidelines
    https://youtube.com/playlist?list=PLjFvxi72ii9j_J6dfqhvExAhE5lF5otgx

    David Ball Dallas Texas Real Estate Agent | Texas Real

    Estate License: 800326

    📽️📺📹🎥

    TikTok- https://www.tiktok.com/@houserichdave

    IG- https://www.instagram.com/houserichdave/

    @houserichdave

    14 min
  • 11/9 R.E.A.D w/ @blackrealestatedialogue NAR's collusion lawsuit and the future of the real estate industry

    @blackrealestatedialogue joins me this week to discuss the collusion lawsuit against the national

    association of realtors and the conspiracy to keep realtor commissions high. We cover

    -Impact of the NAR $1.78 collusion lawsuit on the industry

     -details of the trial

     -verdict

     -evidence

     -post-trail

     -listener feedback

     -impact on prices,

    sellers, buyers &   Realtors

     

    This is a show for millennial first time home buyers looking

    to buy their 1st home and build generational wealth through real estate. Real
    estate is a way to build black wealth and close the wealth gap.

    Connect w/ Sam

    https://www.instagram.com/blackrealestatedialogue/

    https://blackrealestatedialogue.com/pages/podcast

     

    🏠🏡🔑🗝️🏠🏡🔑🗝️🏠🏡🔑🗝️Important

    info below ⤵️

    🤠In the DFW market

    schedule a FREE call- https://calendly.com/houserich/dfw

    🤝 Outside of Dallas I can

    still help https://calendly.com/houserich/referral

    🏡World's Best Home Buying

    Tips: https://www.youtube.com/@Homebuyingtips

    🎙️My Podcast. Homebuying

    tips on the go: https://www.houserichshow.com/

    📚 New to the page? Start

    here for 2023 mortgage guidelines
    https://youtube.com/playlist?list=PLjFvxi72ii9j_J6dfqhvExAhE5lF5otgx

    David Ball Dallas Texas Real Estate Agent | Texas Real

    Estate License: 800326

    📽️📺📹🎥

    TikTok- https://www.tiktok.com/@houserichdave

    IG- https://www.instagram.com/houserichdave/

    @houserichdave

    51 min

About The 1st Time Homebuyer Show w/ Gizmo by House Rich

From the publisher's feed

Giz (the world's cutest dog) & I (experience as a lender, underwriter & Realtor) walk about talk about various home buying news and breakdown mortgage tips and tricks. Between the 2 of use we've help 100s of 1st time homebuyer in real life; we just dont talk about it into a mic.