NEW 1% DOWN conventional loan in all states
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- เผยแพร่เมื่อ 25 ก.ค. 2024
- UPDATE: This loan now requires monthly PMI as of 1/1/24, but will have a slightly lower rate than before.
A new conventional loan now only requires 1% down with a 2% forgivable grant.
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0:00 NEW 1% DOWN conventional loan in all states (no PMI required!)
0:36 How it works
2:31 Example
3:58 Requirements
4:40 Area Median Income Limit Lookup
7:51 Find your Max Purchase Price
8:34 Features
11:31 Comparison
12:48 How to get one
- DISCLAIMER -
Kyle Andrew Seagraves is Federal Mortgage Loan Originator (NMLS 1701021) licensed in all 50 states with the Dan Frio Team at Allied First Bank (NMLS 203463), an Equal Housing Lender. Separately, Kyle owns Win The House You Love LLC, an education company. Win The House You Love LLC is not a lender, does not issue loan qualifications, and does not extend credit of any kind. This video is only for educational usage. All calculations should be verified independently. This video is not an offer to lend and should not be used directly to make decisions on home offers, purchasing decisions, or loan selections. Not guaranteed to provide accurate results, imply lending terms, qualification amounts, or real estate advice. Seek counsel from a licensed real estate agent, loan originator, financial planner, accountant, and/or attorney for real estate, legal, and/or financial advice. Allied First Bank is not affiliated with the VA, FHA, or any other government agency. This video has not been approved by any government agency.
UPDATE: This loan now requires monthly PMI as of 1/1/24, but will have a slightly lower rate than before.
requiring PMI makes this loan mostly worthless. also the fact that you KNOW this information means you should update the title!
The 2% grant money is quite valuable.
I forgot to update the title, thanks for pointing it out. It is updated now.
Sounds good! It's the same employment rules as a normal conventional loan. There is no requirement to be at one job for a specific time. We look at continuous income over 2 years. If you just started a new job; however, we made need to see a few months at that job. Please email me if you have more questions as TH-cam doesn't notify me of comments kyle@winthehouseyoulove.com
Thanks for these videos! I feel more confident knowing all these options I have when I do decide to buy my first home
Thanks dispelling the myth of not deserving a home if you don’t have a full down payment. I’m looking at buying out my lease to move, and this loan product sounds like a lifesaver (and finance saver).
Hey Kyle. Are you planning to do a live stream this month? I thought there was one scheduled for yesterday, but I didn't see it. Anyway, thank you for the video! I really appreciate your channel.
I'm taking a break from live streaming for a bit. Thanks for watching!
Currently under contract with our first house and we paid 0 down through our local credit union program. It’s been a blessing and one of the rare ways for my wife and I to be able to purchase.
We got our earnest payment back at closing. So we essentially PAID NOTHING..... we closed on our home may 15 2023
@@srnchiles Congrats. I am a new buyer and just ran into this video. Do you have any links or info to help me do what you did? Thank you
my local credit union offers a great deal for first-time homebuyers, too. only require 3-5% down with no PMI and very competitive interest rates
Pardon my ignorance, but if you don't put any money down does that mean that your monthly payment is a lot? I guess I'm just trying to figure out how this works.
@@seeingyou3050 looking into USDA RD loans. These are zero down based on income and location.
can you refinance? or any other mechanism to lower the interest rate in the future?
Hi Kyle.
Do have an office in California ?
Thanks for sharing the video. I did follow your video very often.
Our office is in Illinois but we work in all 50 states
Thanks for all the information you provide Kyle it's very helpful! I have a Pre Approval with your Team already but for an FHA due to expire in 10 days maybe I can get pre approved for this program?
Absolutely! You can be pre-approved for multiple programs. Please reach back out to your mortgage advisor or email me at kyle@winthehousehouseyoulove.com
What is the difference between the ONE+ and BUY+ Programs? seem to be the same, BUY+ seems to be an added perk of closing cost assistance if an affiliated Relator is used but not sure im understanding correctly, all else being equal.
Great video and thanks for showing us that tool
Sure thing! Thanks for watching. :)
Thank you soo much for the information, it's like you knew I really needed it. Let me know if I can get my question answered supposing I had one.
Thanks for watching! If you have questions please email me kyle@winthehouseyoulove.com
Hi Kyle, does this apply to non-warrantable condos?
Thanks
Concise and smooth explanation. Thank you!
Do you originate loans in California?
Hey Anthony, thanks for your kind words! Yes, we do originate loans in California. If you're ready to start on a pre-qualification, feel free to visit www.winthehouseyoulove.com/lender or shoot me an email at kyle@winthehouseyoulove.com. I'll be happy to help you out! 😊
Question: What's the concept behind the
Thank you for providing information about this mortgage product
Thank you so much for watching!! :)
Thank you so much for this!
Thanks for watching. :)
❤ in love of your videos and passion 😍..... Can you talk about Miami Florida
Maybe one day! Thanks for watching, ;)
Can other down payment assistance programs be added to this particular program?
Thanks, great info.
My pleasure!
Thank you Kyle … I appreciate you ,your team and your time .
Thank you so much!
I just closed yesterday...I wish I knew about this new loan. Now im stuck with PMI
I feel like this is to good to be true. I'd have to read more into it so I'm definitely saving this one to review again.
Totally get it! 1% down is not new, though. Programs like these pop up every couple years. In this case it's largely because one wholesale lender is trying to beat another wholesale lender and willing to pay a lot of money to do so.
Well there are already several criteria that would exclude people. Also, the less you put down, the more you owe and the more you owe the more interest you pay. Also putting down less will mean higher monthly payments.
Hey Kyle, I just wanted to thank you for these amazing videos. There's so much information out there and so many things to consider that it can get really overwhelming. You're fantastic at breaking down these complicated topics and presenting them in a clear + concise way. I also really appreciate the practical and actionable advice that is never mentioned on the countless articles I've read or other YT channels I've watched. I just found your channel a couple weeks ago and have already learned so much. Thank you!
Thank you so much for watching!! :)
But kyle doesn't 0 % Down increase your monthly payments?
Hello, what’s the DTI on this loan in order to qualify? I’m in Kansas do you have a list of lenders who have this program available?
Wow! It is pretty amazing to help those struggling to put money away due to insane rents.
Hi Lisha, thank you for taking the time to watch the video. I agree, it can be tough to save with high rental costs. If you're interested in starting the pre-approval process, check out www.winthehouseyoulove.com/lender. Let me know if you have any questions! kyle@winthehouseyoulove.com
Stop being negative because you are not interested in the loan. Its an opportunity for others and yall hate to see that
Quite a few negative people on here for sure playing armchair economist. If people had genuine complaints they would get involved in political action, not trolling TH-cam comments lol
So if i use a loan that requires primary residence and i purchase and move to another house after 365 days is that ok? Will i lose the grant? How does that work?
thank you for the info, is the income limit for a single person or for the entire household? thanks
It's for whoever is on the loan
I'm trying to find cons for this loan and I can't really. Seems like if you have the money and you're looking in the sub 350k range, this is the option.
Compared to a usda loan which do u think would be better?
Ok, I'm looking to buy in the metro Atlanta area and homes are above $350,000. I make a little too much to qualify and I'm working on my credit (though I'm sure it's above 620) and I'm paying down debt, but I really don't want PMI, is this the only product that will remove the PMI and lower the DP?
So what if I own my current home with no mortgage, would I still qualify for the 1+ program if I wanted to buy a new home and make the new home my primary residence?
Hey, so I collect SSDI, would I qualify? Looking to buy in IN.
Let's say I used this program to purchase a primary property. Am I required to stay at this property for a significant amount of time till I can purchase another primary property?
hey im on that program weiting to close on a house but my credit points go down becouse credit card bank close one of my account doest that affect me
10:14 the fact that this was even mentioned speaks volumes. what could go wrong with having no equity in your house during a record high in housing costs. to those truly considering this option, i hope you're fine with paying more in interest than the home is worth... that's if you still have your job within the first year of owning it. and if you need to get a special loan cause you can only put down 1%, you probably don't have an emergency fund. its like the car dealership offering zero down on a new car you really want. you pay the interest on a depreciating asset, they get their cut, and you get to feel good about yourself until you can no longer pay for any of it.
Thank you for sharing your perspective
Couple questions, how and where does the PMI get covered from, is it tied into the total loan amount or covered like the 2% down payment grant. Second question, can you elaborate on the LLPAs is that just a variable interest rate?
PMI is covered by the lender. Here's everything about LLPAs: th-cam.com/video/wRhhZBhYKX0/w-d-xo.html
Hey Kyle! If I were to apply for the mortgage loan on my own, would I need to include my husband's income as well to calculate the income limit?
No, it would be in your name only. As long as you have a good credit score and are good on your debt to income ratio on your own, you would be good to go. Just know his name won’t be on the loan or title.
If it’s a conventional loan, would it qualify to get a property using this avenue to Airbnb a home?
Thank you for the information as well as your statement regarding ppl not having $20k for a down payment while seeking home ownership ❤.
if youre a poor.. dont bother.. and please dont breed
Is it an income that has to be under 80% before taxes or after taxes paid? Thank you
When you say temporary buy down, what exactly do you mean? The rate will go up later?
High Desert in Cali is affordable but houses are getting expensive past $350k real fast...
Closing cost isn't the worry it's the monthly note
So if 80% of the AMI in my area is around 71k, that means combined 2 people would need income lower than that?
Does the 80% AMI count for the household size? Like are the AMI amounts different if you have 2 person household vs 1?
It only applies to who is on the mortgage. For example if I applied with my income, or my wife applied with her income. It would be approved. If we combine income to qualify for a more expensive house, we would be over the limit
This is what I would like to know as well. I'm well over the AMI, but I have 4 kids in the house.
Great Video!
Thanks!
Is this any better than the Native american loan? Have you done a video on the native american loans/
If I’m buying a house with my wife, would that 80% AMI requirement double since we would be buying the house together and file jointly? Maybe a dumb question, but just thought I’d ask. Thanks in advance for your answer!
Hi I would love more information about this please
Hi! This is pretty much all the info on the program. The next step is to get pre-qualified so we can get you approved and show you quotes. You can start at www.winthehouseyoulove.com/
I have a question if you can help, do you know what loan this uses for instance is it's rules based on Fannie or Freddie? The reason I am asking is for student loans I will need a loan that accepts the IBR payment as my payment and I know each loan has different rules on that. Thank you.
It's Fannie
My biggest fear is the closing cost. Because the new build I'm looking at is 325k, so I can do the 1%, but its all that money at the end. Seems like they dont want to help with that :(
can i use this loan to buy a new construction home?
It's crazy to me that you can only know your FICO score when a lender runs your credit. We need this changed.
I 100% agree. This needs to happen on a political level. The credit bureaus lobby for it to work like this.
It’s free with Experian. 😒
@@InFaMoUsGeMiNi You may want to read the fine print again. Taken directly from Experian "Credit score calculated based on FICO® Score 8 model. Your lender or insurer may use a different FICO® Score than FICO® Score 8, or another type of credit score altogether." Short answer, you don't know your real score.
You can but not from credit karma. I pay a monthly subscription to MyscoreIQ and I can see my Fico8.
I know my credit score "range," no one has just one credit score, depending on if it's FICO 8 or FICO 9 or any other of the scoring models, you _CAN_ know what your lowest score is and your highest score. All the banks and fintech companies will give you a credit score for free, updated monthly. I know my lowest score from the Experian app is 715 right now and on all the other apps I score higher. When Wells Fargo approved me for my Reflect Visa, they mailed me a report that told me my score was 720. So at least you know what range you fall in. I know if a lender runs my credit and tells me I scored a 640 then I know there's something wrong.
It's interesting you randomly pulled up Columbus Ohio. I got excited until I saw I was just over the 80% median income limit 😑. Any recommendations on options for people who don't have the down payment $ or closing cost $ but are above the 80% threshold and could use some help from such a grant ? Does such a unicorn exist?
Almost 40 years old and Very very early into working on this stuff but per your expertise in other vids, I don't want to empty everything saved thus far for a house purchase. Trying to stay positive - hard when only able to partially qualify (in credit score alone but not liquid or savings for down payment & closing costs)
Same, hopefully there is something for us.
You CAN get your closing costs rolled into the mortgage to lower your up front money, but it also lowers how much house you can get. Aside from this you can apply for grants of all kinds and get downpayment assistance in certain areas, but unless you live in a rural area (USDA Loans) or a veteran (DoD Loans) there arent many 1% down options out there. There is always FHA, but thats still 3.5% down and you have to pay PMI forever even after you hit 20% (new rule change)
Have you looked into anything from the Ohio housing finance agency? They have several down payment assistance programs, I can't remember the income limits
wouldnt i have a high monthly mortgage payment since im only putting 3 percent down? usually if the downpayment is higher you lower your monthly mortgage from my understanding.
High prices, and high interest rates would make it unaffordable in my area of SoCal.
Too good to be true. You have to be dirt poor to qualify in my area. Hate being too poor to buy a house and not rich enough to do it either.
I really wish people would stop saying you cant afford to live in California for under whatever amount they love to say. I am currently in contract with a 3bd 2ba 1400 sqft on 10ksqft lot for 285.
I went USDA and since the property appraised for more than the asking price I was able to roll all closing costs into the loan for 0 at closing. Just had to pay for inspections. In California.
Hey Kyle, I’m currently working on my credit. Credit will be right by October only have one more thing to pay off, looking to buy around May/June next year. When should I contact you guys ? I’m a first time home buyers was talking to a loan officer but as soon as I explained to her my goal was usda she instantly said no because it takes too long to close
Start looking in April by Easter, get pre-approved and find out how long your rate will lock in, usually 30 days. Good luck! You can do it!
@@sweethomechicago thank you
What is the DTI for the 1% loan. This is my issue, I have a house that I inherited but the taxes on it is extremely high, I don’t live in the home as it is in a different city than were I live, so it is just sitting because it needs work, I can put a renter in it once I repair but I’m not even qualifying for cash out on it, and I’m unable to purchase a home because the taxes is putting me over the DTI ratio. I make over $46,000 a year and have a 680 credit score, but cannot get qualified because of my DTI. I really would like to buy a house. 😢
This is nice to hear.. but not possible to use in California where I live 😂. Homes here are at minimum 700k to 1mil+.. in this figure it would be better to pay at least 3-10% so your monthly will be more feasible. 20% is not anymore possible nowadays because for a 1 mil that’s 200k 😳.. it’s nice to know this program exists though!
For sure
Awesome informative video.
Can you buy Condo or duplex? Or just has to be only house ??
Thanks for watching!
- Condos are allowed
- You can only use this for a 1-unit, so a duplex would not be accepted
Thanks One more question Can you rent it out after buying?
These are only for primary residences. You will need to occupy the home for at least 12 months before renting it out.
This new assistance program y'all are offering how long do you project it will last?
These type of offerings usually last 6-12 months
i need something like this
Im aware of large deposits getting flagged. But what if it's a transfer from brokerage account? With history of transfers from same account. Thanks.
Hey Juan! Great question. Generally, transfers from a brokerage account with a history of transfers from the same account should be fine. Lenders are just looking for consistency. However, it's always best to double-check with your specific lender. If you're ready to start the pre-qualification process, feel free to visit www.winthehouseyoulove.com/lender or email me at kyle@winthehouseyoulove.com and I'd be happy to help! - Kyle 😊
Is the income limitation household or member?
Thanks!
Thank you!
So I had a question where is the grant coming from and does it have anything to do with the homeowners incentives for first time?
Tax payor
Any new info on FHA? I saw a beautiful place for $1,573 but all I can think about is a lease and not owning.
FHA is only for purchases. All the newest info is in my FHA loan requirements video
Hi can we have a call with you to go over our options. I filed bankruptcy and my 2 years is almost up. My wife wants to purchase a home so I want to go over our options
Will you guys talk through some different lending structures with me BEFORE pulling my credit? Everyone just wants to rush to that part when I want to explore different strategies first and it really poaches my pears.
Yes. That’s what the consultation is for. But keep in mind no lender can give you anything meaningful unless credit is pulled. If you don’t get credit pulled it’s like asking a mechanic to tell you what you need fixed on your car but you don’t let them look at your car.
@@WinTheHouseYouLovethis is false. The consultation I had with you guys was just asking me about my income and if I was ready to buy now. I explained my situation and that I was interested in running a few different scenarios to see what I prequalify for. I currently own a duplex and wanted to see what I would prequalify for since my DTI would be higher compared to if I sell the MF first or rent out the unit I'm currently in. I was told this info would not be provided without running my credit first
I was in your same shoes and every lender is only interested in running my credit first. I'm only interested in running my credit first if I would even qualify for the amount I'm targeting. I might be wrong, but taking a look at my income, my current savings and assets, and self-reported credit score should be able to get you some info. Of course on the contingency that your credit score is what you say it is
It's because we need to run the approval software. Approval software will not run without a credit report. No lender is willing to be their reputation on a guess. The moment we guess and are wrong, people then blame us.
Every loan approval without a credit report has not been run through underwriting software and is simply a guess. A terrible position to put a anyone in.
@@WinTheHouseYouLove this is a correct for a pre-approval. However, some lenders offer pre qualifications. Credit card companies often use this and explicitly say it is not a guarantee you will be approved if you choose to apply. Might be a waste of time for mortgage lenders but I do believe there is value here on the customer side. It would allow the opportunity to see what the best play would be in certain situations
Does it include manufactured homes
What if someone has saved enough to pay off up to half of the home value?Assuming they’re planning on staying there permanently, would it be worth putting so much money in at the beginning? How greatly would that affect their monthly mortgage?
Great question
Do you know which majority bank offer that program? North California only
Our team offers this in all 50 states. Link to get pre approved is in the description
That’s great news 👍
Can this be combined with the new 2023 Mortgage Credit Certificate tax credit?
Can a chapter 7 two years out use this loan?
Your videos are always super helpful keep up the good work sr🙏🏼
Glad to hear that! Thanks for watching. :)
I have already buy a house I am living in , I wanna buy second house to rent it how I can do that any information please thanks
Where could i read information on this?
Cant find it anywhere on google 😅
Thank you
Also looking for this!
We work with Rocket wholesale to provide lower rates than directly through Rocket:
www.rocketmortgage.com/learn/one-plus
Hi Kyle, wow great info! I’m feeling hopeful now… However I have a few questions I hope you would be able to answer for me:
#1) Is there an expiration date for this offer/grant?
#2) I’m planning to retire beginning of 2024, however, I was thinking of starting the pre-approval process this October 2023. My question is, should apply in Oct while I’m still working, or wait until I’m actually retired?
#3) How many lenders can I use to get pre-approved? For example, if my realtor recommends a lender and I do the process with them, but I also want a do it with you, is there a difference? Would one lender find better options from another lender?
Thank you in advance for your reply!👍
Hey SC1234! Glad to hear you found the information useful. Here goes with your three queries:
1) Not at the moment
2) As for applying pre or post retirement, I'd suggest applying while you're still working.
3) You can absolutely get pre-approved with multiple lenders. I believe we offer great rates and services.
If you want to start on a pre-qualification, head on over to our website www.winthehouseyoulove.com/lender or email me at kyle@winthehouseyoulove.com. We’d love to help you navigate through this journey! 👍😊
@@WinTheHouseYouLove thank you so much! I’m planning to start my pre approve process in October since my full retirement date is in Feb 2024. I will definitely give you guys a call!
Hi. Is it a conflict of interest if my lender & my realtor are friends?
No most good realtors and lenders become friends over time..
If your income is too high (barely) for a home ready/home possible loan does this mean you will be required to go from 3% to 20% down on any home you want to buy or is there any other conventional loans with 3-5% down payments available for first time buyer?
Hey mikesshs! If your income is just above the threshold for HomeReady/HomePossible loans, no worries! You can still get a conventional loan with as little as 3% as a first-time buyer. If you're ready to start on a pre-qualification, head to www.winthehouseyoulove.com/lender or shoot me an email at kyle@winthehouseyoulove.com, and I'd be happy to help you out! 😊
Yeah but what’s the average rate on this loan?
Interesting loan product but if you want to househack and get a duplex/triplex/fourplex, the FHA and NACA programs seem to be better. Always good to have options though!
Yes this is only for 1 unit
What are NACA loans?
@@aaronoetting9129 loan program. cult like program actually but if youre a low income earner you shuld qualify.
Question regarding the
I would like to know this too. We make too much together for all the programs but are spending more than a mortgage note in rent for a long time!
From what i understand, it looks at household income, but the program is solely based on the income given for pre-approval/final loan. A decent earning couple wont qualify bc they make too much money combined. However, you may qualify individually(one of you on the mortgage legally), but thats cutting your purchasing power in half which may put an ideal home out of reach.
It only applies to whomever is on the loan. That could be 1 person or 2 people.
Sounds like a great program if you are VLI - LI in San Diego.
Thank you so much for watching!! :)
For AMI would it be me and my spouses income together, or is it per person
For whoever is on the loan, whether it be 1 person or 2.
oh great, so makes it even harder to buy with even MORE competition , great
Fantastic stuff. The difference in monthly payment between 1% down or 20% down isn’t very large. This is great stuff so long as they’re not lending beyond 36%-40% DTI a month. Wish I qualified for these loans but I make too much!
Thank you so much for watching!! :)
@@TomSmith-sr2br you’re a lie
So on this type of loan, on a 350k home in ny (not nyc) assuming I put 3k down and get the other 2k grant, would this be a huge monthly mortgage pmt.? Ballpark with 700+ credit what woul I be looking at. (I realize this would just b an example)
Principal and interest would be around $2,850/mo. You will also need to add taxes and home owner's insurance to that (I can't estimate since NY is too big of an area).
1% down is $3,500. You'd get a grant for $7,000.
I’m not understanding how this is helping the average person trying to buy an affordable home to live in? We have sky high rates & prices which is already creating large monthly payments & taking up the majority of people’s pay. A lower dp means an even higher mortgage payment with even less money leftover for anything else. As desperate as I am to be a first time homebuyer, I’m not foolish enough to fall into this trap. It’s set up for these buyers to fail and ultimately lose their house. The only upside is I guess this is probably the final nail in the coffin for this insane housing market before it all comes crashing down.
This is a 3% equity loan. 1% down + 2% grant. TONS of people do a 3% down loan. This payment is lower than that as I demonstrated in the video. All loans have this minimum down payment. Standard conventional is 3% down, FHA is 3.5% down, USDA is 0% down, VA is 0% down.
As far as the market, yes it's a tough market.
You're smart.
Keeps the market inflated for a longer given period. Over priced loans with higher mortgage and higher % to default. Their Betting 2% loss if even to get people into these homes.
If you apply with your wife does the Area median income get averaged out? IE I make 90k but my wife only makes 40k; so is it 65k?
No but if you can qualify just with your wife youd be good.
Is this the rocket mortgage loan option or is this different(offered by different lemder)?
We partner with Rocket to offer this at a lower rate than Rocket retail can.
For your pre-approval process, would it be a hard or soft inquiry?
We can do both, but we cannot issue an approval without a hard inquiry. A hard inquiry only impacts your score 0-5 points (source: Experian)
Key Kyle, thank you so much for the helpful information and thoughtful, easy-to-understand explanations. I have a question. I was just approved for this exact program. I received a $4,000 forgiveable grant (1.84% of my purchase price), and I am adding another 1.16% of my own cash to put towards the down payment. My question is in regards to the PMI. I am currently quoted for about $180 monthly mortgage insurance. How do I avoid this? My agent is telling me the only way to avoid the PMI is by putting 20% down at closing. Thanks!
That’s a different program. If you’d like to use this program please get pre-qualified with us at winthehouseyoulove.com
What if I drive truck and my income changes based off miles? I made over median last year but probably not this year. How would that work with qualifying
From my research for variable incomes such as this they take an average over 2 to 3 years for qualifying.
For self employed we'd need to look at a 2 year average of income and use that. We can't alter your taxes to get under the 80% AMI, so it will depend on what you wrote off.
@@WinTheHouseYouLove Sorry forgot to specify I drive for a regular company not self employed so I have regular W2 documents
need that in ontario jeez good plan cause the average price of a home is a million
I will call thank you!
Any time. Thank you!