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- 139: Will this FHA ADU update help with affordability ?
The Federal Housing Administration (FHA) published for
feedback a draft update to its requirements for insuring mortgages on singlefamily homes with Accessory Dwelling Units (ADUs). The proposal adds additionalflexibility in calculating market rent and in using ADU rental income toqualify for FHA-insured mortgage financing. If finalized, these updates wouldallow more borrowers to qualify for FHA financing for properties with ADUs,including 203(k) renovation loans. FHA’s action today advances the goals of theBiden-Harris Administration’s Housing Supply Action Plan.https://www.hud.gov/press/press_releases_media_advisories/hud_no_23_075
This is a show for millennial first time home buyers looking
to buy their 1st home and build generational wealth through real estate. Realestate 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 buyI'd love to help. I'm Veteran (Go Navy!!) and have helped 100s of Texas (andout of towners) buy homes in my pervious life in the mortgage industry (I'm aguidelines nerd). Reach out to work with me.⭐If you're looking for a top
realtor in your area I can help you with that too. Don't hesitate to reach out👇👨🏽💻Schedule
a call.🤠In the DFW market-
https://calendly.com/houserich/dfw🤝 National Referral
Concierge Service (realtor, movers, etc.)-https://calendly.com/houserich/referral🏡World's Best Home Buying
Tips: https://www.youtube.com/@Homebuyingtips⭐Dallas Centric YouTube page:
https://www.youtube.com/@WhatsDallasLike🎙️My Podcast. Homebuying
tips on the go: https://www.houserichshow.com/👩🏽💻My FB
group to contact with other 1st time homebuyershttps://www.facebook.com/groups/fthbschool👨🏽🏫I do
live home buyer educations training here every Tues at 8pm Est📚 New to the page? Start
here for 2023 mortgage guidelineshttps://youtube.com/playlist?list=PLjFvxi72ii9j_J6dfqhvExAhE5lF5otgxDavid Ball Dallas Texas Real Estate Agent | Texas Real
Estate License: 800326📽️📺📹🎥
TikTok- https://www.tiktok.com/@houserichdave
IG- https://www.instagram.com/houserichdave/
@houserichdave
8 min - 138: There is no 40 year mortgage, your fav guru is wrong
The news about the FHA new 40 year loan is inaccurate it is
based on an article from @abc15 inArizona, that did no research on an old story. The truth is the FHA announcedthis news months ago and formalized it in an announcement on March 8th. In thisepisode I break down-what the 40 years pertains to
-How to vet false mortgage information
-The pro and cons of a 40-year FHA mortgage is the story was
accurateThe true announcement:
https://www.federalregister.gov/documents/2023/03/08/2023-04284/increased-forty-year-term-for-loan-modificationsGround 0 of the misinformation:
https://www.abc15.com/news/state/fha-approved-40-year-mortgage-for-homebuyers-in-mayThis is a show for millennial first time home buyers looking
to buy their 1st home and build generational wealth through real estate. Realestate 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 buyI'd love to help. I'm Veteran (Go Navy!!) and have helped 100s of Texas (andout of towners) buy homes in my pervious life in the mortgage industry (I'm aguidelines nerd). Reach out to work with me.⭐If you're looking for a top
realtor in your area I can help you with that too. Don't hesitate to reach out👇👨🏽💻Schedule
a call.🤠In the DFW market-
https://calendly.com/houserich/dfw🤝 National Referral
Concierge Service (realtor, movers, etc.)-https://calendly.com/houserich/referral🏡World's Best Home Buying
Tips: https://www.youtube.com/@Homebuyingtips⭐Dallas Centric YouTube page:
https://www.youtube.com/@WhatsDallasLike🎙️My Podcast. Homebuying
tips on the go: https://www.houserichshow.com/👩🏽💻My FB
group to contact with other 1st time homebuyershttps://www.facebook.com/groups/fthbschool👨🏽🏫I do
live home buyer educations training here every Tues at 8pm Est📚 New to the page? Start
here for 2023 mortgage guidelineshttps://youtube.com/playlist?list=PLjFvxi72ii9j_J6dfqhvExAhE5lF5otgxDavid Ball Dallas Texas Real Estate Agent | Texas Real
Estate License: 800326📽️📺📹🎥
TikTok- https://www.tiktok.com/@houserichdave
IG- https://www.instagram.com/houserichdave/
@houserichdave
coins-n-culture
7 min - 137: Listen up before buying new construction
These are 7 things you should consider
when buying a new construction property.This is a show for millennial first time home buyers looking
to buy their 1st home and build generational wealth through real estate. Realestate 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 buyI'd love to help. I'm Veteran (Go Navy!!) and have helped 100s of Texas (andout of towners) buy homes in my pervious life in the mortgage industry (I'm aguidelines nerd). Reach out to work with me.⭐If you're looking for a top
realtor in your area I can help you with that too. Don't hesitate to reach out👇👨🏽💻Schedule
a call.🤠In the DFW market-
https://calendly.com/houserich/dfw🤝 National Referral
Concierge Service (realtor, movers, etc.)-https://calendly.com/houserich/referral🏡World's Best Home Buying
Tips: https://www.youtube.com/@Homebuyingtips⭐Dallas Centric YouTube page:
https://www.youtube.com/@WhatsDallasLike🎙️My Podcast. Homebuying
tips on the go: https://www.houserichshow.com/👩🏽💻My FB
group to contact with other 1st time homebuyershttps://www.facebook.com/groups/fthbschool👨🏽🏫I do
live home buyer educations training here every Tues at 8pm Est📚 New to the page? Start
here for 2023 mortgage guidelineshttps://youtube.com/playlist?list=PLjFvxi72ii9j_J6dfqhvExAhE5lF5otgxDavid Ball Dallas Texas Real Estate Agent | Texas Real
Estate License: 800326📽️📺📹🎥
TikTok- https://www.tiktok.com/@houserichdave
IG- https://www.instagram.com/houserichdave/
@coinsnculture
coins-n-culture
12 min - 136: Greenbelts...
When buying a new construction property it is important to
understand how the property near you is zoned. This is because what is builtnear you can negatively or positively impact your property values.This is a show for millennial first time home buyers looking
to buy their 1st home and build generational wealth through real estate. Realestate 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 buyI'd love to help. I'm Veteran (Go Navy!!) and have helped 100s of Texas (andout of towners) buy homes in my pervious life in the mortgage industry (I'm aguidelines nerd). Reach out to work with me.⭐If you're looking for a top
realtor in your area I can help you with that too. Don't hesitate to reach out👇👨🏽💻Schedule
a call.🤠In the DFW market-
https://calendly.com/houserich/dfw🤝 National Referral
Concierge Service (realtor, movers, etc.)-https://calendly.com/houserich/referral🏡World's Best Home Buying
Tips: https://www.youtube.com/@Homebuyingtips⭐Dallas Centric YouTube page:
https://www.youtube.com/@WhatsDallasLike🎙️My Podcast. Homebuying
tips on the go: https://www.houserichshow.com/👩🏽💻My FB
group to contact with other 1st time homebuyershttps://www.facebook.com/groups/fthbschool👨🏽🏫I do
live home buyer educations training here every Tues at 8pm Est📚 New to the page? Start
here for 2023 mortgage guidelineshttps://youtube.com/playlist?list=PLjFvxi72ii9j_J6dfqhvExAhE5lF5otgxDavid Ball Dallas Texas Real Estate Agent | Texas Real
Estate License: 800326📽️📺📹🎥
TikTok- https://www.tiktok.com/@houserichdave
IG- https://www.instagram.com/houserichdave/
@houserichdave
coins-n-culture
9 min - 135: The cost of waiting until 2024 to buy...
In this episode I breakdown the pros (mostly) and cons of buying a home in 2023 versus
waiting until 2023. I discus the financial cost of waiting, seller concessions,the level of competition and why it may benefit FHA buyers to purchase now.This is a
show for millennial first time home buyers looking to buy their 1st home andbuild generational wealth through real estate. Real estate is a way to buildblack 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 (GoNavy!!) and have helped 100s of Texas (and out of towners) buy homes in mypervious life in the mortgage industry (I'm a guidelines nerd). Reach out towork with me.⭐If you're looking for a top realtor in your area I can help you with
that too. Don't hesitate to reach out👇👨🏽💻Schedule a call.
🤠In the DFW market- https://calendly.com/houserich/dfw
🤝 National Referral Concierge Service (realtor, movers, etc.)-
https://calendly.com/houserich/referral🏡World's Best Home Buying Tips: https://www.youtube.com/@Homebuyingtips
⭐Dallas Centric YouTube page:
https://www.youtube.com/@WhatsDallasLike🎙️My Podcast. Homebuying tips on the go:
https://www.houserichshow.com/👩🏽💻My FB group to contact with other 1st time
homebuyers https://www.facebook.com/groups/fthbschool👨🏽🏫I do live home buyer educations training here
every Tues at 8pm Est📚 New to the page? Start here for 2023 mortgage guidelines
https://youtube.com/playlist?list=PLjFvxi72ii9j_J6dfqhvExAhE5lF5otgxDavid Ball
Dallas Texas Real Estate Agent | Texas Real Estate License: 800326📽️📺📹🎥
TikTok-
https://www.tiktok.com/@houserichdaveIG-
https://www.instagram.com/houserichdave/@houserichdave
coins-n-culture
6 min - 134: Ramsey's 7 tips to pay off your mortgage ASAP
We cover the amount you have to finance through a mortgage loan and the long-term commitment you’re
making to real estate can be overwhelming. Completing a mortgage payoff earlycould save you a bundle of money, not to mention years of not having a bigpayment hanging over your head each month, according to Dave Ramsey, financialguru, author and host of “The Dave Ramsey Show.”-Extra
payments on your mortgage-Bring your
lunch to work-Pretending
to do this-Getting
smaller-Planning
when buying a home-Finding the
right pro-The right
down payment🏠🏡🔑🗝️🏠🏡🔑🗝️🏠🏡🔑🗝️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 (GoNavy!!) and have helped 100s of Texas (and out of towners) buy homes in mypervious life in the mortgage industry (I'm a guidelines nerd). Reach out towork with me.⭐If you're looking for a top realtor in your area I can help you with
that too. Don't hesitate to reach out👇👨🏽💻Schedule a call.
🤠In the DFW market- https://calendly.com/houserich/dfw
🤝 National Referral Concierge Service (realtor, movers, etc.)-
https://calendly.com/houserich/referral🏡World's Best Home Buying Tips:
https://www.youtube.com/@Homebuyingtips⭐Dallas Centric YouTube page:
https://www.youtube.com/@WhatsDallasLike🎙️My Podcast. Homebuying tips on the go:
https://www.houserichshow.com/👩🏽💻My FB group to contact with other 1st time
homebuyers https://www.facebook.com/groups/fthbschool👨🏽🏫I do live home buyer educations training here
every Tues at 8pm Est📚 New to the page? Start here for 2023 mortgage guidelines
https://youtube.com/playlist?list=PLjFvxi72ii9j_J6dfqhvExAhE5lF5otgxDavid Ball
Dallas Texas Real Estate Agent | Texas Real Estate License: 800326📽️📺📹🎥
TikTok-
https://www.tiktok.com/@houserichdaveIG-
https://www.instagram.com/houserichdave/@coinsnculture
13 min - 133: Docs you'll need for a mortgage explained in 15 secs
The docs most mortgage lenders will require when buying a
home are details in this episode. I also cover scenarios where mortgage lendersmay require more or less documentation.This is a show for millennial first time home buyers looking
to buy their 1st home and build generational wealth through real estate. Realestate 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 buyI'd love to help. I'm Veteran (Go Navy!!) and have helped 100s of Texas (andout of towners) buy homes in my pervious life in the mortgage industry (I'm aguidelines nerd). Reach out to work with me.⭐If you're looking for a top
realtor in your area I can help you with that too. Don't hesitate to reach out👇👨🏽💻Schedule
a call.🤠In the DFW market-
https://calendly.com/houserich/dfw🤝 National Referral
Concierge Service (realtor, movers, etc.)-https://calendly.com/houserich/referral🏡World's Best Home Buying
Tips: https://www.youtube.com/@Homebuyingtips⭐Dallas Centric YouTube page:
https://www.youtube.com/@WhatsDallasLike🎙️My Podcast. Homebuying
tips on the go: https://www.houserichshow.com/👩🏽💻My FB
group to contact with other 1st time homebuyershttps://www.facebook.com/groups/fthbschool👨🏽🏫I do
live home buyer educations training here every Tues at 8pm Est📚 New to the page? Start
here for 2023 mortgage guidelineshttps://youtube.com/playlist?list=PLjFvxi72ii9j_J6dfqhvExAhE5lF5otgxDavid Ball Dallas Texas Real Estate Agent | Texas Real
Estate License: 800326📽️📺📹🎥
TikTok- https://www.tiktok.com/@houserichdave
IG- https://www.instagram.com/houserichdave/
@houserichdave
coins-n-culture
7 min - 132: Apparently 90% of 1st time homebuyer cant budget
Nine out of 10 homeowners who bought a home in the last
three years say they were unprepared for the extra costs of maintaining andfinancing their property, according to a new survey of 1,000 U.S. homeowners byReal Estate Witch, a real estate education platform.https://www.cnbc.com/2023/03/17/90-percent-of-homeowners-underestimated-costs.html
🤠I'm a Realtor in Dallas,
TX. If you're looking to move to to the Dallas, TX area or a local looking tobuy 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.⭐If you're looking for a top
realtor in you area I can help you with that too. Don't hesitate to reach out👇🤝Get referred to a top
Realtor in your Market https://calendly.com/d/zy9-yqz-gry🏡World's Best Home Buying
Tips: https://www.youtube.com/@Homebuyingtips🎙️My Podcast. Homebuying
tips on the go: https://www.houserichshow.com/👩🏽💻My FB
group to contact with other 1st time homebuyershttps://www.facebook.com/groups/fthbschool👨🏽🏫I do
live home buyer educations training here every Tues at 8pm Est📚 New to the page? Start
here for 2023 mortgage guidelines https://youtube.com/playlist?list=PLjFvxi72ii9j_J6dfqhvExAhE5lF5otgxDavid Ball Dallas Texas Real Estate Agent | Texas Real
Estate License: 800326📽️📺📹🎥
TikTok- https://www.tiktok.com/@houserichdave
IG- https://www.instagram.com/houserichdave/
@houserichdave
coins-n-culture
12 min - 131: Is the housing market really short 6.5M homes...
The United States is not building enough homes to account for the number of people setting up their own households. As a result, there is a sizable shortage of new homes after more than a decade of under-building relative to population growth, according to a new analysis from Realtor.com released Wednesday.
The gap between single-family home constructions and household formations grew to 6.5 million homes between 2012 and 2022. However, this figure overstates the housing shortage, since new multi-family homes offer options both to buyers and renters. If multi-family construction is included — which is predominantly rental units — this gap is cut to 2.3 million homes
🏠🏡🔑🗝️🏠🏡🔑🗝️🏠🏡🔑🗝️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.
⭐If you're looking for a top realtor in your area I can help you with that too. Don't hesitate to reach out👇
👨🏽💻Schedule a call.
🤠In the DFW market- https://calendly.com/houserich/dfw
🤝 National Referral Concierge Service (realtor, movers, etc.)- https://calendly.com/houserich/referral
🏡World's Best Home Buying Tips: https://www.youtube.com/@Homebuyingtips
⭐Dallas Centric YouTube page: https://www.youtube.com/@WhatsDallasLike
🎙️My Podcast. Homebuying tips on the go: https://www.houserichshow.com/
👩🏽💻My FB group to contact with other 1st time homebuyers https://www.facebook.com/groups/fthbschool
👨🏽🏫I do live home buyer educations training here every Tues at 8pm Est
📚 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/
@coinsnculture
coins-n-culture
9 min - 130: SVB explained in layman terms and the housing market impact
I breakdown the Silicon Valley Bank Collapse so that the average person can understand it. I also talk about how it could cause the Federal Reserve to lower interest rates and impact the housing market. I also talk about my experience working at a tech firm and not getting paid.
Regulators shuttered SVB Friday and seized its deposits in the largest U.S. banking failure since the 2008 financial crisis and the second-largest ever. The company’s downward spiral began late Wednesday, when it surprised investors with news that it needed to raise $2.25 billion to shore up its balance sheet. What followed was the rapid collapse of a highly-respected bank that had grown alongside its technology clients.
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.
⭐If you're looking for a top realtor in your area I can help you with that too. Don't hesitate to reach out👇
👨🏽💻Schedule a call.
🤠In the DFW market- https://calendly.com/houserich/dfw
🤝 National Referral Concierge Service (realtor, movers, etc.)- https://calendly.com/houserich/referral
🏡World's Best Home Buying Tips: https://www.youtube.com/@Homebuyingtips
⭐Dallas Centric YouTube page: https://www.youtube.com/@WhatsDallasLike
🎙️My Podcast. Homebuying tips on the go: https://www.houserichshow.com/
👩🏽💻My FB group to contact with other 1st time homebuyers https://www.facebook.com/groups/fthbschool
👨🏽🏫I do live home buyer educations training here every Tues at 8pm Est
📚 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/
@coinsnculture
coins-n-culture
7 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.
Come walk w/ us & Lets go get those keys !!!
-HouseRichDave & Giz