Hope this was helpful! Remember, use these numbers directionally and not too literal as they are modeled based off of my true scenario, however not my literal numbers ❤️ The description lists out some caveats.
The most important thing that you said is that you paid your tithes. People don’t realize that if you put God first, he will bless you even more. God’s portion is 10% percent of your pay.
Yes putting god first is true, but following is laws , commandments and statues is more important and giving the poor. Tithe’s isn’t a must anymore that’s was when we have priests and for the Levite’s.
I am in my 30s and we are buying our 2nd home together. We are building this time. The biggest question/mistake I see people make is trying to save 20%. Thats just not realistic for your first home and you do not have to. We are only able to pay 20% down on our 2nd home purchase because our first sale gave us a big profit.
When I saw my rent is about three hundred dollars more than your house mortgage, I felt ashamed....I have to get out of apartments and get me and my kids a house
@@MonicaSoyemi we were paying$850 for rent. 2bed 2 bath . We bought a house 4years ago. 3bed 2.5 bath 1200sq feet. New construction. Townhome. Paying $700 now including HOA. We refinanced this year that's we paying that. Prior to that it was $850. If you have stable job and little saving, you can do it. Best decision we ever made. We don't eat out much. No cable, we have Hulu and antenna. Prepaid phone.
Rent is definitely more expensive than a mortgage and you aren't getting that money back in equity like it would if you bought. You don't need to put down 20% so save what you can, get your credit up and you can get your house!
I’ve been saving up since December 2018 to buy a home, I just met my goal last week. Very proud of myself and eager to begin the home buying process. Thank you for these guided videos ❤️ new subscriber
Soror: I just shared this video with my nieces. They are in their 20’s and they are looking to purchase their first homes! This video is very helpful! Thank you for putting this vital information together!
WOW! This is very helpful and admirable of you! I've attended real estate agents' seminars and NONE of them broke it down the way you did Good job lady !
This was VERY HELPFUL!!! OMG, You just taught me so much, even about budgeting. THANK YOU SO MUCH!!! and I’m glad you are able to find a way to do this but still holding your ground for your privacy! I love this channel! Thanks so much again! 😊
I just love how you talked about yourself like the third person!😆 Thank you so much for doing a total breakdown of everything it gave me a realistic aspect of buying a hone!
You've done an excellent presentation explaining in details the whole pre and post purchasing of a home. And you're correct no two purchasing experiences will ever be the same. Too many variables involved. Example having the seller covering the closing expense! Another great and informative video!!!!!!
I have been looking to buy a house for a while now and I have been doing all my homework . After watching your videos I feel more assured and confidence that I can do it . Congratulations am happy for you your house is beautiful by the way keep representing us😍😍😍😍
Just Subscribed! Been looking for a video like this with a realistic view of the home buying process. Thank you. I will use this example and make modifications.
Ok these were some good realistic numbers even they will vary! Definitely gives hope more than scare them away bc a lot of videos I’m seeing show some insane #’s
Hi Lexi's, love your channel and your personality. New sub. 2 things I want to add. I agree with you on buying via FHA. I bought a condo in Brooklyn and a family member tried to make me feel bad. I just reminded them you are a home owner with your 20% down and I am a home owner with my 3% down. More than 1 way to skin a cat. 2nd.......depending on your builder or seller you can get your closing cost rolled into your mortgage or paid for by the seller. Sometimes these builders have promotions.
I like this video. I'm glad you mentioned that every situation is different. In NYC closing costs on an apartment, less than $200.000 is approximately $10,000. It is also worth noting that depending on your lender and creditworthiness, you can include the closing costs into the total amount borrowed. I would be curious to see what the numbers would look like if "Shantell" didn't make more money once she moved into the house. That would be a more realistic scenario since getting a raise isn't guaranteed.
Thank you, I have been thinking and too hesitant to buy a house. I understand a bit but I have trouble le understanding difficult information but this video did give me a basic understanding.
Awesome Job! You are putting out great content. I've seen three videos prior to this regarding your new home... now you present this!!! New Subscriber! - On my way to moving in my new construction townhome in July. Excited 😁
I love this. Great explanation and personality. This definitely helped to humble me. I usually rush to make big decisions like this because of life situations but I really need to just wait a few more months to actually start this process to make sure I have enough money for all the bills. Thank so much 💙New subbie
I liked your video before watching!!! Just wanted to say, your videos and presentation is very informative and engaging!!! The Students will teach the Teacher!!! Your videos have helped me so much in my buying process as well!!! Keep Going, Don't Stop!!! Your wealth at 22y/o is catapulting you to bigger and greater things to come!!! Much love from Florida's Gulf Coast♥️♥️
This was great! So helpful! Thanks so much for this video! You’ve helped me understand the home buying process so much! Super excited to begin this journey.
Living in NY is ugh but I'm moving and in the process. I've been up n down the entire NJ just looking. I wish I can find something this cheap. My rent alone is 3000+. I've manifest and trust in God my dream is out there somewhere.
Lexis I’m So PROUD of U...U are a Very Bright Young lady& God has GREAT things in Store for U& as U continue to Focus on Him 😂Like Your Makeup😃As U know He will Equip U with the knowledge U need😋Pick up Reading Materials regarding Home Ownership&How to Expect the Unexpected /House Maintenance I also enjoyed the Financial Model U did ...it’s A Clear example 0f the Buying Process...Now U are entering the DIY 😂this might land U a tv show on DIY...U are Creative 👏👏👏Use All the gifts Abba Father has givenU😋I decree Your Continued Success in His Name Anen!
Glad the girl in the example got a new job or raise because having less than $700 after just house cost bills is scary when you still have to pay for utilities and groceries. There is almost nothing to save at that point.
Right exactly so that’s why I want people to note that this video was made since people asked me to share my personal experience, but that this wouldn’t be the case for almost anyone as everyone’s scenarios are different!
Also noting that in this example the $700 covered utilities as well (my utilities aren’t too much more than what they were in my apartment now, given that I live alone and am skimpier with what I utilize) lol but yes!
Hope this was helpful! Remember, use these numbers directionally and not too literal as they are modeled based off of my true scenario, however not my literal numbers ❤️ The description lists out some caveats.
The most important thing that you said is that you paid your tithes. People don’t realize that if you put God first, he will bless you even more. God’s portion is 10% percent of your pay.
Amen!
Amen! 👏👏
Some people have faith but no works
Yes!
Yes putting god first is true, but following is laws , commandments and statues is more important and giving the poor. Tithe’s isn’t a must anymore that’s was when we have priests and for the Levite’s.
So glad you used a realistic ass salary I make less than this after taxes but at least you didn’t go with like a 50k salary.
🥰❤️
This what um talking bout..DETAILS....you did this girl ✔✔✔ thank ya mam. I like to see things in black and white✌
Thank you 🥰 glad it was helpful
I am in my 30s and we are buying our 2nd home together. We are building this time. The biggest question/mistake I see people make is trying to save 20%. Thats just not realistic for your first home and you do not have to. We are only able to pay 20% down on our 2nd home purchase because our first sale gave us a big profit.
Black women winning! Love to see it- keep thriving!
Not all hero’s wear capes 🙏🏾🙌🏾
❤️❤️
you’ve made the home buying experience seem much less complicated. thank you for this girl!
No problem 🥰
When I saw my rent is about three hundred dollars more than your house mortgage, I felt ashamed....I have to get out of apartments and get me and my kids a house
Like I said though, these numbers are not my numbers they are modeled so please take with a grain of salt! It’s meant to be analyzed directionally :)
I own a house, and it’s worth it. Your kids will be able to own that house one day and they’ll be one step up
@@MonicaSoyemi we were paying$850 for rent. 2bed 2 bath . We bought a house 4years ago. 3bed 2.5 bath 1200sq feet. New construction. Townhome. Paying $700 now including HOA. We refinanced this year that's we paying that. Prior to that it was $850. If you have stable job and little saving, you can do it. Best decision we ever made. We don't eat out much. No cable, we have Hulu and antenna. Prepaid phone.
Rent is definitely more expensive than a mortgage and you aren't getting that money back in equity like it would if you bought. You don't need to put down 20% so save what you can, get your credit up and you can get your house!
I’ve been saving up since December 2018 to buy a home, I just met my goal last week. Very proud of myself and eager to begin the home buying process. Thank you for these guided videos ❤️ new subscriber
Soror: I just shared this video with my nieces. They are in their 20’s and they are looking to purchase their first homes! This video is very helpful! Thank you for putting this vital information together!
I like the spreadsheet and how well you explained it. Thanks !
Yay! I’m glad ❤️
WOW! This is very helpful and admirable of you!
I've attended real estate agents' seminars and NONE of them broke it down the way you did
Good job lady !
Wow thank you !!!!
This was VERY HELPFUL!!! OMG, You just taught me so much, even about budgeting. THANK YOU SO MUCH!!! and I’m glad you are able to find a way to do this but still holding your ground for your privacy! I love this channel! Thanks so much again! 😊
Awww THANK YOU😭
I just love how you talked about yourself like the third person!😆 Thank you so much for doing a total breakdown of everything it gave me a realistic aspect of buying a hone!
Lol no problem 🥰
Very helpful!! It was great to see an income around my range and see that it’s still possible! Thanks!
🥰🥰
You've done an excellent presentation explaining in details the whole pre and post purchasing of a home. And you're correct no two purchasing experiences will ever be the same. Too many variables involved. Example having the seller covering the closing expense! Another great and informative video!!!!!!
I get that it's a potential demonstration but I loved how you broke down the steps to visualize the idea of the journey of purchasing a home
Yayyy I’m glad 🥰🥰
I loved your breakdown, it was really helpful and honestly seeing some numbers does make it seem more doable.
Thank you for using realistic numbers for the lower class, I’ve never found examples that made buying a home feel possible for me.
I have been looking to buy a house for a while now and I have been doing all my homework . After watching your videos I feel more assured and confidence that I can do it . Congratulations am happy for you your house is beautiful by the way keep representing us😍😍😍😍
Yes girl keep em comin💕
🥰🥰🥰
This is one of the most honest and transparent vlogging videos I've come across in a long time. Thank you!
Just Subscribed! Been looking for a video like this with a realistic view of the home buying process. Thank you. I will use this example and make modifications.
This method of explanation was very helpful! Thank you so much for this
Yayy I’m glad 🥰
This was super helpful! You are truly going to help soooo many people become first time homebuyers!
Ok these were some good realistic numbers even they will vary! Definitely gives hope more than scare them away bc a lot of videos I’m seeing show some insane #’s
Thank you for breaking it down! There are so many costs that go into buying a house
Of course ❤️
Hi Lexi's, love your channel and your personality. New sub.
2 things I want to add. I agree with you on buying via FHA. I bought a condo in Brooklyn and a family member tried to make me feel bad. I just reminded them you are a home owner with your 20% down and I am a home owner with my 3% down. More than 1 way to skin a cat.
2nd.......depending on your builder or seller you can get your closing cost rolled into your mortgage or paid for by the seller. Sometimes these builders have promotions.
This was the easiest model to work with. Thanks for this explanation.
This was amazing Alexis thank you! I just turned 20 and wanna be in the same place by 22! May God continue to bless you!!✨
Thanks so much 🥰
love that you are making videos about this, it is a very helpful series (side note): that back wall is gorgeous
Thanks so much 🥰
Best informative video I’ve came across! Thank you!
im actually taking a Mortgage Loan class and I enjoyed watching this video.
I like this video. I'm glad you mentioned that every situation is different. In NYC closing costs on an apartment, less than $200.000 is approximately $10,000. It is also worth noting that depending on your lender and creditworthiness, you can include the closing costs into the total amount borrowed.
I would be curious to see what the numbers would look like if "Shantell" didn't make more money once she moved into the house. That would be a more realistic scenario since getting a raise isn't guaranteed.
Thank you for this! Been considering buying instead of renting and this was soooo helpful!
Hello, I'm new to your channel. This was very HELPFUL & REALISTIC. Now I will not be blind going into my home buying process. Thank you
Thank you, I have been thinking and too hesitant to buy a house. I understand a bit but I have trouble le understanding difficult information but this video did give me a basic understanding.
This is the most helpful video I’ve found on TH-cam. Thank you!!!
Can’t wait to watch !!!!
Timera J 🥰🥰
This is awesome! I love the model numbers. This truly inspires me! Thank you!
Very helpful. I am almost 50 and not yet a homeowner and even I gained some knowledge with the #'s!
Awesome Job! You are putting out great content. I've seen three videos prior to this regarding your new home... now you present this!!! New Subscriber! - On my way to moving in my new construction townhome in July. Excited 😁
Very good idea to pay the regular payment, then pay a separate payment on the principle. Saves on the interest.
Gosh you are so beautiful. You make me feel so proud to be a black girl. I’m 21 and you inspire the heCK outta me :’)
Omg thank you so much 😭🥰
This is exactly what I was looking for. Good info. Wishing you all the financial wellness
Thank you so much for this. I’ve been doing my research since I am planning on buying soon and this gave me a good insight.
I love this. Great explanation and personality. This definitely helped to humble me. I usually rush to make big decisions like this because of life situations but I really need to just wait a few more months to actually start this process to make sure I have enough money for all the bills. Thank so much 💙New subbie
Informative and helpful! Thank you for this 🙌🏽
Thank you young lady. You did very well in this presentation. 👍🏾
I love this so much! Im impressed!
Thank you! 🥰
So great to watch! Love the new braids too! ❣️❣️
Girl yes, loved this video! Really great breakdown
Well done young lady! This was a very good detailed video. Very helpful! May God continue to bless you.
Thank you 🥰
I liked your video before watching!!!
Just wanted to say, your videos and presentation is very informative and engaging!!! The Students will teach the Teacher!!! Your videos have helped me so much in my buying process as well!!! Keep Going, Don't Stop!!! Your wealth at 22y/o is catapulting you to bigger and greater things to come!!!
Much love from Florida's Gulf Coast♥️♥️
Awww love that thank you so much !
Your channel is golden
The young people needed to hear this (me, i am young people) 😭😭
😂 thank you 🥰
This was great! So helpful! Thanks so much for this video! You’ve helped me understand the home buying process so much! Super excited to begin this journey.
Yayyy I’m glad 🥰
Love your videos!!! So informative!! Thank you 😍😍❤️❤️
Great video! Thanks for sharing!
Thank you for sharing. Definitely helpful and grabbed you a new subscriber. Love the content!
This presentation was great, your breakdown was absolutely great.
You DEFINITELY just gained a subscriber. Keep up the good work ❗️
Yayyy welcome 🥰
This was so helpful! I am claiming that in one years time I will have a house!
Thank you so much for the details. Most TH-camrs that make these videos are super stingy with the details.
You explain it very well...thanks for sharing
It is VERY helpful!!! Thank you so much ❤️🙌🏽
love it, thank you! Currently saving. Would love to be a hme owner next year.
Thank you for sharing this video!
Great video! Thank you and wish you millions of subscribers :)
Thanks for this video, this was soo helpful i just bought a house.
Go girl! Thanks so much 🥰
I loved this! May my little girl have a similar savvy. 😊
Reminder on ✔✔
Shar'via Giles 🥰🥰
Well done young Lady keep the video Coming
Thank you for this video. ❤️❤️❤️
Living in NY is ugh but I'm moving and in the process. I've been up n down the entire NJ just looking. I wish I can find something this cheap. My rent alone is 3000+. I've manifest and trust in God my dream is out there somewhere.
This is so insightful
Yay❤️
Thank you for this video love. I’m in the pre-buying process
Woot woot !
Such an informative video😆💚 thank you!
Thank God for the info n u being a blessing !
This was extremely helpful. Thank you for sharing.
Thank you! I’m definitely a numbers person, this breakdown helps a lot ❤️
Great video sis
Thank you so much for posting this video!!!
This is very detailed and eye-opening! Thank you!!
No problem glad it was helpful :)
thank you soo much for this video! I want to be a homeowner in 2021 so this was truly helpful! :)
You can do it !
Thank you cause some people talk and make no since
Omgeee! Thank you for breaking it down💞 This is super helpful❤️
Good I’m glad 🥰
Thank you for doing this!
Ebone Freeman yay! Thanks so much ❤️
I'm so happy for you. Such a very smart move.
Thanks so much !
Lexis I’m So PROUD of U...U are a Very Bright Young lady& God has GREAT things in Store for U& as U continue to Focus on Him 😂Like Your Makeup😃As U know He will Equip U with the knowledge U need😋Pick up Reading Materials regarding Home Ownership&How to Expect the Unexpected /House Maintenance I also enjoyed the Financial Model U did ...it’s A Clear example 0f the Buying Process...Now U are entering the DIY 😂this might land U a tv show on DIY...U are Creative 👏👏👏Use All the gifts Abba Father has givenU😋I decree Your Continued Success in His Name Anen!
Absolutely love this video! Thanks so much!! Very simple yet so effective and clear!! So inspirational as well‼️‼️🤟🏽👏🏽🔥❤️
Thank you ❤️
Love how realistic this was. Thanks for this!
Christiana Taylor 🥰🥰 no problem !
Helpful break down ! Thank you for thissss
Of course ! 🥰
Thank you for all this information ‼️very helpful
thanks for watching !!
You explained this very well. 👍🏾
Wow that’s a tiny down payment. I never knew you could get a house with one that small. Super helpful.
Just keep in mind these are modeled and also things vary but yes!
Glad the girl in the example got a new job or raise because having less than $700 after just house cost bills is scary when you still have to pay for utilities and groceries. There is almost nothing to save at that point.
Right exactly so that’s why I want people to note that this video was made since people asked me to share my personal experience, but that this wouldn’t be the case for almost anyone as everyone’s scenarios are different!
Also noting that in this example the $700 covered utilities as well (my utilities aren’t too much more than what they were in my apartment now, given that I live alone and am skimpier with what I utilize) lol but yes!
Wow this video is so bomb so informative thank you ❤️
Love this series sm!