⏩ FHA Loan Requirements 2024 - th-cam.com/video/CApGLR5u6j0/w-d-xo.html ✅ - Get a Personal Referral to a Mortgage Expert or a Professional Realtor - www.jebsmith.net/referral 🏠 - First Time Home Buyer Course - www.becominghomewise.com
I live in Los Angeles and I don't mind moving to a "rural area" to buy a home in order to meet the requirements. But after doing a lot of research online about these loans, I can't seem to find information on what areas in California "qualify". I can't even find a credible resource online to actually apply for one of these loans or an office to drive to in order to speak to someone face to face. Seeing as there's a bunch of random weird websites that says apply here for USDA loan. But most of these random USDA Loan websites look fake. Like all I'm going to get after I apply is a bunch of spam emails and phone calls that won't help me.
@@joshrepik …I’m finding properties in Sunny So Cal. True, you’ll find more in Central and Northern CA, but there are many eligible properties in Southern California, too. Just have to peep the USDA eligibility maps.
The most important thing affecting someone ability to buy a home is your income first. A credit score will not matter at all to an athlete who just signed millions dollars contract. Or someone who just graduated from medical school earning 300k per month: he/she will always be preferred by every single lender than an an uber driver making $40K. Increase your credit income and income potential is the key. Credit score matter to low income people
It's true that a high income can afford you a number of opportunities when it comes to purchasing a home. However, a credit score is still a crucial component in the mortgage approval process. It's a measure of financial responsibility and can influence the interest rate lenders charge for a mortgage, regardless of income level. You're spot-on about the importance of boosting income and income potential. It's a key component to being able to afford a home in the first place. However, it's essential not to dismiss the importance of a good credit score, especially for those who aren't multimillion-dollar athletes or high-earning medical professionals. At the end of the day, a combination of a stable income, a good credit score, and responsible money management will put any aspiring homeowner in a good position. Thanks again for joining the conversation! Keep the comments coming.
Thank you Jeb for educating home buyers about the real estate market. Do you know if there is any loan program for first time home buyers with above median income in state of California or counties in southern California? All the loan programs that I am aware of are either for people with low/median income or people with low credit score.
Yes, it's true that many loan programs are designed for low-to-median income individuals or those with lower credit scores. However, you might want to consider a conventional loan or an FHA loan for first-time homebuyers. While it lacks the income restrictions of other programs, down payments can be as low as 3%. Moreover, "above median income" house buyers might not qualify for some of the limited assistance programs. I recommend speaking with a lender to determine the best option for you.
This was very informative! When they calculate the back end, is it how much you pay on the student loan monthly or is it the total amount of the student loan?
When calculating the back-end ratio, it's usually based on your total monthly obligations, including your potential mortgage, student loan payments, credit card payments, car loans, and other recurring debt. They don't typically consider the total amount of the student loan, just the monthly payment.
I have a usda loan and have had it 11 years we are looking for refinancing or equity loan to do home improvements but with usda's horrible customer service we cannot get any answers. Do you have information on this?
Hi @mallen9014, refinancing your USDA loan is entirely possible. Your best bet is to reach out to an experienced mortgage lender who's familiar with USDA loans. They could guide you through the refinancing process and potentially even help with a home equity loan. If you need a referral, head over to jebsmith.net/referral
Jeb I filled out my loan application September 2023 its at the underwritter but all they can tell me is Congress has not released funding. This is a construction loan for small home, my credit scores are high 800's what taking so long? Do you have any info on how long this can go on?
Even though you don't specify it, you are obviously only talking about the USDA Guaranteed Loan. It would have been nice if you had also discussed the USDA Direct Loan which all the financing is provided directly from the USDA and mortgage insurance is not required.
The catch is that just because they're accepting those with a low credit score, doesn't mean they will accept you. You can't have too many late payments on things. Basically, the score doesn't matter, it's what your actual credit report looks like. That's my current problem here in FL.
@@martiniquebillings1580 thankfully my score is over 700 and I don't have late payments. I'm actually under contract for a conventional loan, just waiting on appraisal.
Seems like they set you up for ultimately losing your house because $0 down means high monthly payments which a HH with low income will never be able to keep up with ….. period
There's no universal minimum purchase price set for all houses. The price could vary depending on several factors such as location, size, age of the property, market conditions, and much more. However, certain lenders might have loan minimums, so you could perhaps be referring to that. You should consult with your individual lender or a financial advisor for specific information regarding your situation.
Absolutely, the monthly payments could potentially be higher with a zero down payment loan due to a larger loan amount. But for some individuals, this option allows them to enter the housing market sooner, and they might be comfortable with higher payments depending on their income and financial situation. It can also be beneficial if the house appreciates in value over time, providing an opportunity for equity gain.
Yes, you can still qualify for "First time home buyer" programs if you haven't owned a principal residence within the past three years. However, it may vary based on which state you're moving to, as different states have different rules and programs. It's recommended to consult with a local lender or Realtor for specific information.
If you've already bought a house before, regardless of the state, you typically would not qualify as a first-time home buyer. However, some programs define "first-time home buyer" as someone who hasn't owned a home in the last three years. I recommend checking the specifics of the programs available in your new state to confirm this.
My husband and I have really worked hard to come up in life. We now have a young but stable small business that is growing, and can financially meet our basic needs. We've been working REALLY HARD on raising our credit scores and have come along A LOT. We live in a USDA eligible area and meet the basic requirements but weren't sure what to do next. This video was SO HELPFUL. It will really help us to think about some qualifications and planning. What are your thoughts on trying to get a loan right now in the market with this option? With housing being 2-3x the cost of used to be, what are the loan amounts available like? Thanks!
It's wonderful to hear about your progress and dedication, @ncmtnbarbie! USDA loans can certainly be a good option, especially if you're in an eligible area. As for timing, rates are currently relatively low, making it a favorable time to get a loan. However, it largely depends on your specific situation and comfort level. With regards to loan amounts, USDA doesn't set a maximum, but your lender will determine how much you're eligible for based on your income and other factors such as debts and credit scores. Lastly, remember that a crucial part of this journey is working with a knowledgeable lender who is well-versed with USDA loans, as they can guide you through the process efficiently. If you need that referral, check out jebsmith.net/referral
one question i had is the usda website says that "Be without decent, safe and sanitary housing" is a requirement. what does that mean exactly? we are currently staying in a room of a house that is not owned by us (renting just the room) would this knock us out of qualification for a Direct loan?
Unfortunately you probably will not be able to do that.... Did you all of a sudden get into some money??? If so pay off you lie income USDA loan first.. then when you own the home all out.. you can do anything you want.
Good for you for wanting to know this info to pass to your clients! I believe some of these loans are subsidized, so buyer is required to pay back that portion upon refinance or sale. But there are other government programs for example where you may get up to $15,000 towards a down payment, if you stay in the property at least 3 years, that loan rolls into a grant. Good stuff!
@@Brianne1983 I am gratefull for people and realtors like yourself that take the time to get the right info out there to the public .. often so many times it has been that RIGHT INFO never gets out there properly and people get sidelined by it all and do not get thier needs met. Thank you my apology if I sounded forward. Didn't intend to. Thanks
So question should someone with a credit score that low really be lookong to buy a home or ahould they really be focused on getting their credit cleaned up and improving the score.
A credit score doesn’t really reflect someone financially ability. You could have been going to school the last two years messing up your credit and start earning 200k after graduation. It will probably take you 2 or 3 years to fixed your credit but your purchasing power is higher than someone with a perfect credit and a 60K salary. Every single bank will loan to the 200k earner. Credit score is important for low income.
@DerrickWeil It's generally advisable for someone with a low credit score to first focus on improving it before applying for a mortgage. A better credit score often leads to better mortgage terms and rates. However, it's always best to discuss personal circumstances with a financial advisor or lender.
Can you use this loan on a modular home/land in a rural area? Love your channel(I definitely like comment and subscribe) thank you so this information 😊😊
What if you have two collections on your credit score? I have a 676 credit score. I also have good income. Should I just pay off the collections first then try.
@@benyosep5640 - Paying a collection won't reset the clock. The credit reporting time period is set by federal law and is 7 years from the date of first delinquency.
@@JebSmith I bought my home with a usda loan over 6 years ago. I’m up over 100% profit so you’re telling me I can sell my home and buy another with a usda loan and keep all the gains 😂 👍🏻
@@IamChucky_ according to what I know that if you sell the house after 6 years you might end up paying back the home assistance you got from usda . However if you decide to sell your house after 10 years then at that time you will not pay the home assistance you got from usda .
I was debating about this one… I’ve gotten approved for a NACA loan but they low balled me, I’ve heard that from others as well. They’ll give you a mortgage rate for less than what you could actually pay, seems like they’re scared to give money if you ask me… so I’ll definitely be looking at USDA.
I understand your concern and it's important to choose the lender you feel the most comfortable with. NACA's main goal is to promote home ownership for low-to-moderate income families and they are cautious to avoid any potential financial stress on borrowers. On the other hand, USDA is an excellent option if you're looking at rural properties. Be sure to explore your options and find the one that fits your needs best.
Absolutely, income is just one aspect of your mortgage eligibility. Other factors like savings, credit score, and existing debt also play a role. It's still possible to get a mortgage making $30,000 a year, though the size of the mortgage may be smaller. It's always worthwhile to reach out to a lender to explore your options.
Yes, you can still qualify for a USDA loan while receiving SSI, as it is considered as income. However, the exact qualification would depend on other factors such as your credit score, total dependable income, and debt. It's always a good idea to consult with a mortgage specialist to review your unique situation.
I have met all the requirements and I waited 8 months before my application was withdrawn, I have told USDA ran out of funds in November 23 and waiting for 2024 fund, in January 24 withdraw my application. If you are a person of color your chance of getting a loan is very low unfortunately
Hi @gadog4053, I truly appreciate you sharing your experience and I feel for the difficulties you've encountered throughout your loan process. I assure you that discrimination has no place in this industry and is unacceptable. I empathize with your disappointment due to the withdrawal of your loan application. It's indeed frustrating when you've met all the qualifications, only to face unexpected hiccups. I hope your future endeavors with USDA, or any other loan mechanism, go smoother and more successfully. The difficulties you faced remind us of the need for continuous improvements within the lending industry. Thanks again for taking the time to voice your concern and watch the video. I’d try again as the budgets get renewed as there should be money available.
⏩ FHA Loan Requirements 2024 - th-cam.com/video/CApGLR5u6j0/w-d-xo.html
✅ - Get a Personal Referral to a Mortgage Expert or a Professional Realtor - www.jebsmith.net/referral
🏠 - First Time Home Buyer Course - www.becominghomewise.com
Hey Jeb, I like this video. I used this one in my Real Estate Courses at several CA community colleges; Chaffey, MSJC and San Bernardino college.
Interesting info…thank you! You mentioned the back end DTI % but never mentioned the front end DTI %….aka max purchase price ;)
We just bought a house
Congratulations on your new home, @justjenny1255! It's a significant step. Enjoy creating wonderful new memories in your new space!
We made a video on it if u need anymore info on usda
@@justjenny1255 please do. There are so many saying there's no funding for USDA and no one's actually getting at the moment.
I need help what is the best way to go about getting a usda loan.or FHA loan
I love working on my credit score as I sleep in a bush in a park.
Doesn't matter where you do it as long as you do it.
You have internet, but no home. Check your budget.
I’ll trim your bush!
I will trim your bush!
🤣
Interesting information…thank you! You talked about the back end DTI…but you never mentioned the front end DTI (aka max purchase amount) ;)
I live in Los Angeles and I don't mind moving to a "rural area" to buy a home in order to meet the requirements. But after doing a lot of research online about these loans, I can't seem to find information on what areas in California "qualify". I can't even find a credible resource online to actually apply for one of these loans or an office to drive to in order to speak to someone face to face. Seeing as there's a bunch of random weird websites that says apply here for USDA loan. But most of these random USDA Loan websites look fake. Like all I'm going to get after I apply is a bunch of spam emails and phone calls that won't help me.
You aren’t going to find a rural property anywhere near LA. Northern Cali is your best bet if you want that
@@joshrepik …I’m finding properties in Sunny So Cal. True, you’ll find more in Central and Northern CA, but there are many eligible properties in Southern California, too. Just have to peep the USDA eligibility maps.
@@melliehelen8650 plenty in rural Ohio where I live 🤣🤣 best of luck!
The most important thing affecting someone ability to buy a home is your income first. A credit score will not matter at all to an athlete who just signed millions dollars contract. Or someone who just graduated from medical school earning 300k per month: he/she will always be preferred by every single lender than an an uber driver making $40K. Increase your credit income and income potential is the key. Credit score matter to low income people
It's true that a high income can afford you a number of opportunities when it comes to purchasing a home. However, a credit score is still a crucial component in the mortgage approval process. It's a measure of financial responsibility and can influence the interest rate lenders charge for a mortgage, regardless of income level.
You're spot-on about the importance of boosting income and income potential. It's a key component to being able to afford a home in the first place. However, it's essential not to dismiss the importance of a good credit score, especially for those who aren't multimillion-dollar athletes or high-earning medical professionals.
At the end of the day, a combination of a stable income, a good credit score, and responsible money management will put any aspiring homeowner in a good position. Thanks again for joining the conversation! Keep the comments coming.
Thank you Jeb for educating home buyers about the real estate market.
Do you know if there is any loan program for first time home buyers with above median income in state of California or counties in southern California?
All the loan programs that I am aware of are either for people with low/median income or people with low credit score.
Yes, it's true that many loan programs are designed for low-to-median income individuals or those with lower credit scores. However, you might want to consider a conventional loan or an FHA loan for first-time homebuyers. While it lacks the income restrictions of other programs, down payments can be as low as 3%. Moreover, "above median income" house buyers might not qualify for some of the limited assistance programs. I recommend speaking with a lender to determine the best option for you.
@@JebSmith Thank you for the message!
This was very informative! When they calculate the back end, is it how much you pay on the student loan monthly or is it the total amount of the student loan?
When calculating the back-end ratio, it's usually based on your total monthly obligations, including your potential mortgage, student loan payments, credit card payments, car loans, and other recurring debt. They don't typically consider the total amount of the student loan, just the monthly payment.
Thank you Jeb!
How would I pay the Realtor commission with no money down?
I have a usda loan and have had it 11 years we are looking for refinancing or equity loan to do home improvements but with usda's horrible customer service we cannot get any answers. Do you have information on this?
Hi @mallen9014, refinancing your USDA loan is entirely possible. Your best bet is to reach out to an experienced mortgage lender who's familiar with USDA loans. They could guide you through the refinancing process and potentially even help with a home equity loan. If you need a referral, head over to jebsmith.net/referral
Jeb I filled out my loan application September 2023 its at the underwritter but all they can tell me is Congress has not released funding. This is a construction loan for small home, my credit scores are high 800's what taking so long? Do you have any info on how long this can go on?
going through the same thing here in NorCal, super frustrating!
They can only fund for wars supper quick. The people, forget it.
And keep in mind another election period is approaching…….
Funds simply had not been released yet.
@@roxannemyers6213 my mother in law had the same set back but they finally approved the funds
so currently we have 5 people working in the house hold so we just gotta add up what we make in a year to see if we qualify?
Even though you don't specify it, you are obviously only talking about the USDA Guaranteed Loan. It would have been nice if you had also discussed the USDA Direct Loan which all the financing is provided directly from the USDA and mortgage insurance is not required.
He can only say so much. It's now up to you to do your own research. Stop being lazy and put it your own work.
Important distinction- USDA DIRECT VS USDA GUARANTEED
I meet all the requirements and I have a rural area in mind, but I feel like there's a catch somewhere and I'm going to be disappointed.
I feel that same way.
The catch is that just because they're accepting those with a low credit score, doesn't mean they will accept you. You can't have too many late payments on things. Basically, the score doesn't matter, it's what your actual credit report looks like.
That's my current problem here in FL.
@@martiniquebillings1580 thankfully my score is over 700 and I don't have late payments. I'm actually under contract for a conventional loan, just waiting on appraisal.
I’m really thinking about the usda loan bc my credit ain’t the best and I’m on a lower income and have a disabled son. I live in a rual area.
When u say 2 years of steady income would it still work if i had move from say nevada to south carolina for a new start?
Are student loans held against you for USDA loan
Seems like they set you up for ultimately losing your house because $0 down means high monthly payments which a HH with low income will never be able to keep up with ….. period
I was told that there is a minimum purchase price of $130,000, do you know of this to be true?
There's no universal minimum purchase price set for all houses. The price could vary depending on several factors such as location, size, age of the property, market conditions, and much more. However, certain lenders might have loan minimums, so you could perhaps be referring to that. You should consult with your individual lender or a financial advisor for specific information regarding your situation.
I can’t find where the max income requirement for San Bernardino county
I don't see where zero down payment loan helps you because the monthly payments are gonna be higher.
Absolutely, the monthly payments could potentially be higher with a zero down payment loan due to a larger loan amount. But for some individuals, this option allows them to enter the housing market sooner, and they might be comfortable with higher payments depending on their income and financial situation. It can also be beneficial if the house appreciates in value over time, providing an opportunity for equity gain.
Question, if I move to another state and buy home, is I qualified for first time home buyer; I have house at state before I move, thank you
Yes, you can still qualify for "First time home buyer" programs if you haven't owned a principal residence within the past three years. However, it may vary based on which state you're moving to, as different states have different rules and programs. It's recommended to consult with a local lender or Realtor for specific information.
If you've already bought a house before, regardless of the state, you typically would not qualify as a first-time home buyer. However, some programs define "first-time home buyer" as someone who hasn't owned a home in the last three years. I recommend checking the specifics of the programs available in your new state to confirm this.
My husband and I have really worked hard to come up in life. We now have a young but stable small business that is growing, and can financially meet our basic needs. We've been working REALLY HARD on raising our credit scores and have come along A LOT. We live in a USDA eligible area and meet the basic requirements but weren't sure what to do next.
This video was SO HELPFUL. It will really help us to think about some qualifications and planning.
What are your thoughts on trying to get a loan right now in the market with this option?
With housing being 2-3x the cost of used to be, what are the loan amounts available like?
Thanks!
It's wonderful to hear about your progress and dedication, @ncmtnbarbie! USDA loans can certainly be a good option, especially if you're in an eligible area. As for timing, rates are currently relatively low, making it a favorable time to get a loan. However, it largely depends on your specific situation and comfort level.
With regards to loan amounts, USDA doesn't set a maximum, but your lender will determine how much you're eligible for based on your income and other factors such as debts and credit scores. Lastly, remember that a crucial part of this journey is working with a knowledgeable lender who is well-versed with USDA loans, as they can guide you through the process efficiently. If you need that referral, check out jebsmith.net/referral
one question i had is the usda website says that "Be without decent, safe and sanitary housing" is a requirement.
what does that mean exactly? we are currently staying in a room of a house that is not owned by us (renting just the room) would this knock us out of qualification for a Direct loan?
no, that wouldn't knock you out........
I think i can afford an out house in a rural area
Have you loaned a usda construction loan?
I own the land and want to live in a bigger house rent my current house
Credit score requirements ✅️
Low income requirements ✅️
Ability to repay loan ❌️
Denied ⁉️
Basic requirements
Could you talk about the requirements if you already have a USDA loan and you’re ready to turn your house into a rental property or sell it.
Unfortunately you probably will not be able to do that.... Did you all of a sudden get into some money??? If so pay off you lie income USDA loan first.. then when you own the home all out.. you can do anything you want.
@@chopnthegrassI’m only asking because he mentioned it in the video but did not elaborate. I’m a new realtor and wanted the info for my clients
Good for you for wanting to know this info to pass to your clients! I believe some of these loans are subsidized, so buyer is required to pay back that portion upon refinance or sale. But there are other government programs for example where you may get up to $15,000 towards a down payment, if you stay in the property at least 3 years, that loan rolls into a grant. Good stuff!
Thank you!! @@kristinsewell8769
@@Brianne1983 I am gratefull for people and realtors like yourself that take the time to get the right info out there to the public .. often so many times it has been that RIGHT INFO never gets out there properly and people get sidelined by it all and do not get thier needs met.
Thank you my apology if I sounded forward. Didn't intend to. Thanks
You may meet all the qualifications and still doesn't mean you will get the loan. Story of my life. Lol
if you meet ALL the qualifications then you shouldn't have a problem getting the loan.
So question should someone with a credit score that low really be lookong to buy a home or ahould they really be focused on getting their credit cleaned up and improving the score.
A credit score doesn’t really reflect someone financially ability. You could have been going to school the last two years messing up your credit and start earning 200k after graduation. It will probably take you 2 or 3 years to fixed your credit but your purchasing power is higher than someone with a perfect credit and a 60K salary. Every single bank will loan to the 200k earner. Credit score is important for low income.
@@amazingafrica6965 the exception does not disprove the rule, in general people with bad credit have poor money management skills.
@DerrickWeil It's generally advisable for someone with a low credit score to first focus on improving it before applying for a mortgage. A better credit score often leads to better mortgage terms and rates. However, it's always best to discuss personal circumstances with a financial advisor or lender.
Can you use this loan on a modular home/land in a rural area?
Love your channel(I definitely like comment and subscribe) thank you so this information 😊😊
yes you can
How far back on bank account do they go back and look?
Roughly 2 months
What if you have two collections on your credit score? I have a 676 credit score. I also have good income. Should I just pay off the collections first then try.
Depends how old. Paying off can reset the clock. I would let my loan officer guide me on what should be paid off.
@@benyosep5640I’ve heard that. But if I get in writing from them pay to delete will that also be the case?
@@benyosep5640 - Paying a collection won't reset the clock. The credit reporting time period is set by federal law and is 7 years from the date of first delinquency.
Dave Ramsey can help.
Is there a limit on how much money you’re allowed to have in savings or in stocks etc?
No, there is no official limit on how much money you can have in savings or in various investment vehicles like stocks.
@@JebSmith I bought my home with a usda loan over 6 years ago. I’m up over 100% profit so you’re telling me I can sell my home and buy another with a usda loan and keep all the gains 😂 👍🏻
@@IamChucky_how did you go about it I need help!
@@IamChucky_ according to what I know that if you sell the house after 6 years you might end up paying back the home assistance you got from usda . However if you decide to sell your house after 10 years then at that time you will not pay the home assistance you got from usda .
@@IamChucky_ you can but if you were given a subsidy you have to pay that back to USDA
I have been calling for 3 weeks and no answer. Can i go to the closest office?
No
You’ve been calling who for 3 weeks?
@@JebSmithyes 3 weeks to Ocala, Florida office.
I was debating about this one… I’ve gotten approved for a NACA loan but they low balled me, I’ve heard that from others as well. They’ll give you a mortgage rate for less than what you could actually pay, seems like they’re scared to give money if you ask me… so I’ll definitely be looking at USDA.
I understand your concern and it's important to choose the lender you feel the most comfortable with. NACA's main goal is to promote home ownership for low-to-moderate income families and they are cautious to avoid any potential financial stress on borrowers. On the other hand, USDA is an excellent option if you're looking at rural properties. Be sure to explore your options and find the one that fits your needs best.
Im way under 120, 000 im in the 30' per year. Would they still work with me?
Absolutely, income is just one aspect of your mortgage eligibility. Other factors like savings, credit score, and existing debt also play a role. It's still possible to get a mortgage making $30,000 a year, though the size of the mortgage may be smaller. It's always worthwhile to reach out to a lender to explore your options.
Whats credit score needed?
620
Yes would help from u
If i receive ssi can i quelify for usda loan
Yes, you can still qualify for a USDA loan while receiving SSI, as it is considered as income. However, the exact qualification would depend on other factors such as your credit score, total dependable income, and debt. It's always a good idea to consult with a mortgage specialist to review your unique situation.
@@JebSmith thank you for responding
Have you been seeing this video going around of this lady talking about how you can get a HELOC to pay off a house? If you have how viable is that?
The only way to pay off your home faster is to pay more money...........Don't fall for all of the craziness out there.
I have met all the requirements and I waited 8 months before my application was withdrawn, I have told USDA ran out of funds in November 23 and waiting for 2024 fund, in January 24 withdraw my application. If you are a person of color your chance of getting a loan is very low unfortunately
Hi @gadog4053, I truly appreciate you sharing your experience and I feel for the difficulties you've encountered throughout your loan process. I assure you that discrimination has no place in this industry and is unacceptable. I empathize with your disappointment due to the withdrawal of your loan application. It's indeed frustrating when you've met all the qualifications, only to face unexpected hiccups. I hope your future endeavors with USDA, or any other loan mechanism, go smoother and more successfully. The difficulties you faced remind us of the need for continuous improvements within the lending industry. Thanks again for taking the time to voice your concern and watch the video. I’d try again as the budgets get renewed as there should be money available.
stop being such a victim. Either youre a warrior or a vcitim, pick one.
@@returnfreedom
Absolutely warrior, never giving up. Thanks for your comment
Got an 812 median score and was told that I needed to make more money. 😂 On disability that's not gonna happen.
@Chill-kh7tl I'm on disability to. Did you have any luck?
@@shayshayw8365 hell no
@@shayshayw8365they're homeless now
Clickbait
Kamala harris is clickbait
8:38 HOI not HOA :)