Yes. You can refinance the rate. But you don’t know how long your will be stuck with that higher payment. Obviously people need to make an educated decision, but the interest rate has a larger factor than house price. 1) Buy down the rate. 2) Take the extra money you would’ve spent each month and invest it to gain returns.
After bidding 2-5% over list on 3 properties (though not on the market for that long) my agent got me out of my comfort zone after that slump. Found a gem of a house and no idea how it was on the market for so long and and it was at 380k, where even the lowball insurance quote valued it at a minimum of 437k. Was going to go in at 390k paying fees and whatnot but my agent came out saying 375k, 5k concessions. I was sure that would be an auto no, she got me to agree to 380k with 5k concessions ... Then my older coworkers with multiple properties told me to rate shop. I figured there was not too much point ... thank god I did, got a .75 point credit from the lender I wanted to use by having better proposals in hand. I went from worst case scenario of 437k at 6.5% to 380k at 5.6% ... And of course Jeb helped me with these videos.
Very true, I care more about the monthly payment. I would rather pay for a house than rent an apt and waste that money knowing I could be buying a house for that amount monthly.
One thing we tend to ignore is that taxes are not nearly the same everywhere. I’m paying $850 per month in taxes for my $350K home in Texas. That takes up a huge chunk of the monthly payment!
@@mafbloggerdanny we just bought the house last year…the starting rate is much lower as well ~1.25%. Prop 13 limits property tax increases to 2% per year on the sold home value unless transferred or sold.
Great video! That is a very creative way to save money on a purchase. I think you hi-light two very important things: 1) finding a seller who is willing and 2) knowing what you’re getting into if you choose to do an ARM. Myself, I’m not a risk taker, I know I couldn’t do an ARM, but it may be an option for others. Thank you for putting out this video!
Wrong. Ask for a hugh price reduction. If seller not willing to do that then walk away. You rather have a hugh reduced price with higher rate then down the road you can refinance to a lower rate. Don't buy people let the houses sit for months then you will get deals. Looks for home with 30 days or more in the market and with price reduced, those are desperate sellers. I offered 700k for listing of 788k 2 weeks ago to see if they will even consider and they were slow to accept and declined but then just 2 days ago now asking me back if I would still be interested. Lol hell no I moved on. Our times are coming people! Let the FED raise rates couple more times this year!
Wait, but since the rate is higher that means you’ll be paying more in interest so doesn’t it even out because even though you got the house at a cheaper price... your interest rate is higher which means you’re still giving the banks more money... because your mortgage payment is higher because of the high rate... I don’t know, I’m not an expert just posting my thoughts
it depends if you think the rates will go down in the future or not, if rates are high right now and you think it will go down then makes more sense to get the price reduction rather than buy down rate
@@JebSmithI’m subscribing thank you for actually responding I’m currently on the phone with realtor now trying to buy my first home and just learning as I go they told me 400k for loan but definitely unaffordable so I gotta rethink my search for something more affordable in todays market
But the buy down rate is not permanent, but it’ll slowly creep up after 1 yr, till it maximizes to the present mortgage rate. Isn’t it. So the low monthly payment is really just a temporary fix.
Depends on the type of mortgage. If you have fixed rate mortgage your interest rate stays the same for the entire loan. If you have an adjustable rate mortgage, the rate fluctuates.
So, If the seller is losing $15,000 any way (by either reducing house price or giving a credit) who actually wins here? - the AGENTS! They are paid commission of the house price. Am I wrong? It's a helpful video, though. Thank you.
Looking for suggestions. New construction homes… Offering $20,000 towards the house/buy down the rate and They will also Cover closing cost.Not sure how to use this 20,000 by down the rate or towards the homes price????
If you believe rates are going to come down then use it on the price.........If you think rates will stay higher for longer then use it on the house. Just my thoughts.
Don’t forget to addd property tax. Property tax in Collin County Texas will cost you $800-$1200 additional. I would rather have price reduction in the $50k-$100k.
Great video! Can you please do a video where you incorporate property taxes. I understand they variety but try using large cities like New York ( Nassau or Suffolk counties ) where the taxes could be very high. Thanks.
Home prices will come down. Look at how much the monthly payment has gone up with the new mortgage rates. Add to that the recession and the fact that mortgage guidelines are getting more difficult. IMO home prices will need to fall by a minimum of 40% (more like 50%) before the market normalizes
I was actually in the market to purchase a home recently but obviously it isn’t a buyers market right now. There was “last minute” price increases, and the demeanor that new home builders and realtors are “if you don’t pay that amount then someone else will”
6 months ago we were begging for sellers to sell to us now we’re asking them to buy down our points🧐. I’m not a realestate agent by any means but I think the market has changed.
Just some perspective I remember when we locked our rate in late Dec 2021 at 3.5% the buy down cost to 3.2% was around 15k. We decided to stick with the 3.5% rate. 15k for a 1% reduction looks extremely attractive in comparison. Not bad advice if you think rates will remain high.
What about an assume loan which I am offering to the buyer of 2.75% for a $320K market value home. I know if it's a bank loan I cannot make my price higher than whay the bank is willing to buy it, but is there any other way where I can get more money in exchange to my percentage. Cash yes but if its not, what else is there?
Can I double down on the buy down and have the seller buy down the rate and then I pay to buy it down again. For example to buy the rate down from 6% to 4% or 3% ?
@@JebSmith what is a ton ? Lol if the seller gives me 10k and I put 10k of my own would that be enough ? My wife and I are trying to retire to Az and are trying to have the smallest payment possible.
I don't like the idea of buying down the rate because it's a sunk cost. I believe rates will come back down, therefore, giving me an opportunity to refinance in the future. That's just me though.
@@JebSmith let me reword it , the seller is buying it down . I’m a first time home buyer and don’t know what to do . However I did inherit a condo with no mortgage .
Great video! I bought down my interest rate to 0.625% summer 2021 and was able to deduct some of those points on my taxes this year. So I got something back, not as much as I paid. I will also reach my break-even point by next summer! Thanks Jeb!
If you only care about the payment then you are not smart. If you pay 1 million for a house that’s only worth 800k then you are stuck for a long time since initially very little of your payment is going to the principal. You will essentially be paying the interest on the loan while having zero equity in the house
Why would you not buy down the rate vs getting a price drop? With rates this high and sky high prices a rate buy down can make a deal much better looming when it comes to monthly cash flow. A 1% rate buy down on a multi family investment property would save you much more than a 25k price drop if you intend to hold it for more than 4 years.
@@ilovebrocoli6068 that's a very specific example. Now in broader terms, a smart person would go for the lower prices and higher rate as rates are expected to go down and one may refi at that time. Most people move in 7-10 years, so the full benefit of the buy down is uncommon. Y'all are just trying to avoid the lower comp, just like builders do. Good luck.
@@ilovebrocoli6068 a $750k house w/ $600k mort 30y @6% payment is $3597. Buying down 1 % should cost $24k. @5% the payment is $376 lower at $3321. Same house, 10% cheaper $675k , $540k mort at 6% comes to $3238, so $17 difference. When rates go down to 4% refi payment is $660 lower. Rates will be even lower in the near future. The int rate difference is tax deductible, so that's also a factor. You also save on closing costs at the lower price. Also tax assessments.
@@spaceace6945 why is everyone assuming rates are going to come down to 4% ….. and anytime soon!? No one knows. papa Powell said he will keep raising rates and or keep higher longer … bond market 10 year didn’t believe him at first we saw the dip now it’s not so sure …. The 10 year is starting to believe now…. Higher for longer … I’m the end no one knows…. I would not assume or anticipate 4% rates for a long time Licensed lender speaking here
Good advice for newbies that don’t understand home buying strategies. Terrible advice for people that know how to negotiate and understand how to get the best deal possible. Glad I’m not a newbie.
There’s nothing wrong with offering less than the asking price. If the seller is offended, well suck it up, and drop the price. Sellers were accustomed to getting what they want. Now that things are changing they are getting desperate. I say wait until this ridiculous real estate market crashes, then buy.
You keep saying buyers could eventually refinance to get a lower rate. But Why haven’t you told the ppl the truth if home prices dip they wont be able to refinance because they won’t have the 20% in equity
Oh Ray....... There's a reason homeowners have a 44x greater net worth than renters. Those that understand it will take advantage while those that don't will continue to rent.
Thanks for your reply. I not arguing that. I just saying it would be nice if you explained the process of refinancing and the cost that comes with it instead of making it seem like its an easy process.
@@ray8381 these kind of strategies are what make people go underwater later if home value goes down and people lose job. If people are desperate they can try this but in current situation it doesn’t hurt to wait for 6 months to see if prices come down unless you are desperate /comfortable as Jen mentioned is when you get into buying a home
Do you think mortgage rates will drop during a Recession? I’m debating on paying to lockdown my rate for a year while my house is being build. If rates go up pass 6% I won’t be able to comfortably afford the mortgage payment. House will take 8 1/2 month to be completed and won’t start til august.
@Kathy Fellows History tells us that during all past recessions, mortgage rates dropped. This is a fact.. Everyone seems to be waiting on a housing Crash. It just won't happen because of this reason alone. With that said, June 30th is a key factor in revealing whether we're in a recession. I think we will be. I don't have a crystal ball, but I believe by the time your home is complete, mortgage rates will be lower. Not the 3% we had last year, but under 6%, above 4%. Good luck with your decision.
Joe Smith, I will subscribe to you and also have everyone I know buying a home subscribe to you too. My question is if the seller has a property listed at $189.900 and the rate is at 6% can I ask the seller to buy down the 6%? I would like my monthly mortgage to be $1,300
@@JebSmith I signed what I was asked to sign but two days in a row I was told I would get a call from him and no call email or text from him in two days. Extremely frustrating and disappointing being my time is money just like everyone else
No I wouldn’t buy a one million dollar house at 1,000 per month. I’m responsible. I’d have to pay eventually. Realtors are not responsible human beings so this month only matters. Like a Duck brain. Geez. I have a conscience, a credit score and when I borrow money I always pay it back. You revealed yourself for who you are. Geez. 1000 a month? You get food for that! Realtors! Aaaarg.
Remember this: You can refinance a rate. But if you buy an over valued home, your stuck with that price regardless.
bingo
God bless your common sense!
exactly, thank you
How do you know if its over priced? Are u going off of were is located
Yes. You can refinance the rate. But you don’t know how long your will be stuck with that higher payment. Obviously people need to make an educated decision, but the interest rate has a larger factor than house price. 1) Buy down the rate. 2) Take the extra money you would’ve spent each month and invest it to gain returns.
After bidding 2-5% over list on 3 properties (though not on the market for that long) my agent got me out of my comfort zone after that slump. Found a gem of a house and no idea how it was on the market for so long and and it was at 380k, where even the lowball insurance quote valued it at a minimum of 437k. Was going to go in at 390k paying fees and whatnot but my agent came out saying 375k, 5k concessions. I was sure that would be an auto no, she got me to agree to 380k with 5k concessions ... Then my older coworkers with multiple properties told me to rate shop. I figured there was not too much point ... thank god I did, got a .75 point credit from the lender I wanted to use by having better proposals in hand. I went from worst case scenario of 437k at 6.5% to 380k at 5.6% ... And of course Jeb helped me with these videos.
Very true, I care more about the monthly payment. I would rather pay for a house than rent an apt and waste that money knowing I could be buying a house for that amount monthly.
One thing we tend to ignore is that taxes are not nearly the same everywhere. I’m paying $850 per month in taxes for my $350K home in Texas. That takes up a huge chunk of the monthly payment!
Taxes for ?
@@the.blue.raven7777 property taxes
Wow in California my property taxes on a $790k home is a bit less then that number.
@@seanpeasley2184 Thanks to Prop 13.
@@mafbloggerdanny we just bought the house last year…the starting rate is much lower as well ~1.25%. Prop 13 limits property tax increases to 2% per year on the sold home value unless transferred or sold.
You should put the time stamps in your videos
Great video! That is a very creative way to save money on a purchase. I think you hi-light two very important things: 1) finding a seller who is willing and 2) knowing what you’re getting into if you choose to do an ARM. Myself, I’m not a risk taker, I know I couldn’t do an ARM, but it may be an option for others. Thank you for putting out this video!
For inquiries, leave a message ✍️
You’re obviously not aware that this realtor will do anything to sell a house. So you thank him? Your buddy or what? Lol
@@susanjannarone135 I just had to laugh. I totally forgot about that comment 😂
How can I make a monthly mortgage payment with a single and low income?
One of the better strategies I've seen.
Extremely informative
Hey Jeb, I care about the price of the home because I would like to imagine I could pay it off one day. Fyi I have never owned a home.
You will pay it off in 30 years regardless of price.
Agreed but many will never pay it off so the monthly payment is where they live.
@@JebSmith yes. I agree on your view, most people will refinance at some point down their life
@@montuna4686 or sell and move somewhere else requiring a new loan.
Thanks for sharing buying strategy
My pleasure
Wrong. Ask for a hugh price reduction. If seller not willing to do that then walk away. You rather have a hugh reduced price with higher rate then down the road you can refinance to a lower rate. Don't buy people let the houses sit for months then you will get deals. Looks for home with 30 days or more in the market and with price reduced, those are desperate sellers. I offered 700k for listing of 788k 2 weeks ago to see if they will even consider and they were slow to accept and declined but then just 2 days ago now asking me back if I would still be interested. Lol hell no I moved on. Our times are coming people! Let the FED raise rates couple more times this year!
Keep waiting my friend...😴😅
Wait, but since the rate is higher that means you’ll be paying more in interest so doesn’t it even out because even though you got the house at a cheaper price... your interest rate is higher which means you’re still giving the banks more money... because your mortgage payment is higher because of the high rate... I don’t know, I’m not an expert just posting my thoughts
What happen, when the lender límits on how much closing cost can be used? Does one ask to use the left over money to Buy down a rate?
it depends if you think the rates will go down in the future or not, if rates are high right now and you think it will go down then makes more sense to get the price reduction rather than buy down rate
Sometimes bank put a limit on on how much seller can credit buyer.
I got told “You cannot buy down the interest rate with down payment assistance “ is this true ?
that is correct.
@@JebSmithI’m subscribing thank you for actually responding I’m currently on the phone with realtor now trying to buy my first home and just learning as I go they told me 400k for loan but definitely unaffordable so I gotta rethink my search for something more affordable in todays market
But the buy down rate is not permanent, but it’ll slowly creep up after 1 yr, till it maximizes to the present mortgage rate. Isn’t it. So the low monthly payment is really just a temporary fix.
Depends on the type of mortgage. If you have fixed rate mortgage your interest rate stays the same for the entire loan. If you have an adjustable rate mortgage, the rate fluctuates.
Thank you for the info. Some people need to/want to buy now so this is helpful info
So, If the seller is losing $15,000 any way (by either reducing house price or giving a credit) who actually wins here? - the AGENTS! They are paid commission of the house price. Am I wrong? It's a helpful video, though. Thank you.
This is such a great idea!!! Thank you.
For inquiries, leave a message ✍️
Great strategy!
Looking for suggestions. New construction homes… Offering $20,000 towards the house/buy down the rate and They will also Cover closing cost.Not sure how to use this 20,000 by down the rate or towards the homes price????
If you believe rates are going to come down then use it on the price.........If you think rates will stay higher for longer then use it on the house. Just my thoughts.
@@JebSmith I guess that’s the billion dollar question… here in South Florida zero affordable homes! Makes it very difficult to buy now or wait longer.
Would I be able to do this with a construction loan and purchasing land?
HA! Now it's 8%! Thank you PedoJoe!
Don’t forget to addd property tax. Property tax in Collin County Texas will cost you $800-$1200 additional. I would rather have price reduction in the $50k-$100k.
How much of a rate can be bought down? Can it be more than the 1% .
Possibly but it would cost more than 4% in many cases
@@JebSmith what is the highest a lender can charge in points ?
Great video! Can you please do a video where you incorporate property taxes. I understand they variety but try using large cities like New York ( Nassau or Suffolk counties ) where the taxes could be very high. Thanks.
For inquiries, leave a message ✍️
My builder didn't want to do this because its only available to move in ready homes. I got my house contract way cheaper
Pricing wise but now interest up and I'm screwed
Home prices will come down. Look at how much the monthly payment has gone up with the new mortgage rates. Add to that the recession and the fact that mortgage guidelines are getting more difficult. IMO home prices will need to fall by a minimum of 40% (more like 50%) before the market normalizes
I was actually in the market to purchase a home recently but obviously it isn’t a buyers market right now. There was “last minute” price increases, and the demeanor that new home builders and realtors are “if you don’t pay that amount then someone else will”
@@taylorcoggan2054 Northern California has seen a massive drop in home prices already. If you live in a Massive city that may not be the case
6 months ago we were begging for sellers to sell to us now we’re asking them to buy down our points🧐. I’m not a realestate agent by any means but I think the market has changed.
It sure has
Just some perspective I remember when we locked our rate in late Dec 2021 at 3.5% the buy down cost to 3.2% was around 15k. We decided to stick with the 3.5% rate. 15k for a 1% reduction looks extremely attractive in comparison. Not bad advice if you think rates will remain high.
@Sean Peasley Depends on how long you plan to stay and what your actual breakeven point is. Good for you, sticking to 3.5%.
Better to invest $15k then buy down rates
Thank you
I still would rather buy at a lower price with a higher interest rate.
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Or lower price and pay cash!
Easier to just ask for seller to use the fund to provide closing assistance. Isn't it?
Are buydown rates permanent?
there are both permanent and temporary options.
It would take about 7 years to break even on $300 per month buy down vs the $25K reduction
How long would it take for rates to drop 1% though? Could be never.
My mortgage is 2k a month I want to lower it to at least 1400 what do I have to do
Chat with a lender and check your options to see if there are any.
What about an assume loan which I am offering to the buyer of 2.75% for a $320K market value home. I know if it's a bank loan I cannot make my price higher than whay the bank is willing to buy it, but is there any other way where I can get more money in exchange to my percentage. Cash yes but if its not, what else is there?
Arm 10 year not possible? If I do Arm 5 years will I be able to refinance later?
Can I double down on the buy down and have the seller buy down the rate and then I pay to buy it down again. For example to buy the rate down from 6% to 4% or 3% ?
You can but it would cost you a ton to do it.
@@JebSmith what is a ton ? Lol if the seller gives me 10k and I put 10k of my own would that be enough ? My wife and I are trying to retire to Az and are trying to have the smallest payment possible.
Would it be cheaper to just add that $10k to your down payment?
Enjoyed the video! Was looking forward to the $750K example.
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I prefered to go with USDA. 0 DOWN🤣
Jeb i was able to buy down the interest rate to 5.1% . Would you buy in that situation ? I’m not locked in
I don't like the idea of buying down the rate because it's a sunk cost. I believe rates will come back down, therefore, giving me an opportunity to refinance in the future. That's just me though.
@@JebSmith let me reword it , the seller is buying it down . I’m a first time home buyer and don’t know what to do . However I did inherit a condo with no mortgage .
Thank You 🙏
This is great strategy for homebuyers and investors.
Hi Jeb, can you buy down the rate if you have your rate locked in?
Yes.
A borrower have to mention that before locking in rate.
According to these Morgage companies I’ve talked to. I’m looking at a $2700 dollar payment on $350k 😪
right, i know its been 4 mths since your comment but its gotten worse.. its looking like 2,900 for on 300k on my end 😭
Now it’s around 2900
Great video! I bought down my interest rate to 0.625% summer 2021 and was able to deduct some of those points on my taxes this year. So I got something back, not as much as I paid. I will also reach my break-even point by next summer! Thanks Jeb!
Lies
@@Urmomma-iv4fv look up NACA. You're welcome 🙃
@@curlyandproud How was your NACA experience? Thanks.
Ok ken.
What if you do put down payment while using your VA LOAN to fit your budget but your credit score is low? will that effect your monthly mortgage
by adding a down payment it should help lower your payment.
It doesn’t drop it much honestly unless is a huge down payment. We’re trying to use our VA loan too.
If you only care about the payment then you are not smart. If you pay 1 million for a house that’s only worth 800k then you are stuck for a long time since initially very little of your payment is going to the principal. You will essentially be paying the interest on the loan while having zero equity in the house
We all know how it works. Seller add it on top of the price.
Maybe some but as homes sit a bit longer you'll be able to negotiate that.
@@JebSmith that's a valid point 🤔
Very informative.
Glad it was helpful!
Please go and listen to Dave Ramsey, a lot of these examples are scammy and not a good deal.
Pushing ARMs??? Really?? Or seller buying down rate instead of lowering price?? Doesn't that artificially keep prices inflated? Wow!!!
Why would you not buy down the rate vs getting a price drop? With rates this high and sky high prices a rate buy down can make a deal much better looming when it comes to monthly cash flow.
A 1% rate buy down on a multi family investment property would save you much more than a 25k price drop if you intend to hold it for more than 4 years.
@@ilovebrocoli6068 that's a very specific example. Now in broader terms, a smart person would go for the lower prices and higher rate as rates are expected to go down and one may refi at that time. Most people move in 7-10 years, so the full benefit of the buy down is uncommon. Y'all are just trying to avoid the lower comp, just like builders do. Good luck.
@@ilovebrocoli6068 a $750k house w/ $600k mort 30y @6% payment is $3597. Buying down 1 % should cost $24k. @5% the payment is $376 lower at $3321. Same house, 10% cheaper $675k , $540k mort at 6% comes to $3238, so $17 difference. When rates go down to 4% refi payment is $660 lower. Rates will be even lower in the near future. The int rate difference is tax deductible, so that's also a factor. You also save on closing costs at the lower price. Also tax assessments.
@@spaceace6945 why is everyone assuming rates are going to come down to 4% ….. and anytime soon!? No one knows. papa Powell said he will keep raising rates and or keep higher longer … bond market 10 year didn’t believe him at first we saw the dip now it’s not so sure …. The 10 year is starting to believe now…. Higher for longer …
I’m the end no one knows…. I would not assume or anticipate 4% rates for a long time
Licensed lender speaking here
@@leecurtis4032 why are you reading old comments?
3:00 he hasnt started talking abt the topic. I've moved on
Good advice for newbies that don’t understand home buying strategies. Terrible advice for people that know how to negotiate and understand how to get the best deal possible. Glad I’m not a newbie.
Watch out, we got a badass here 😂
There’s nothing wrong with offering less than the asking price. If the seller is offended, well suck it up, and drop the price. Sellers were accustomed to getting what they want. Now that things are changing they are getting desperate. I say wait until this ridiculous real estate market crashes, then buy.
No CRASH coming...
For inquiries, leave a message ✍️
You keep saying buyers could eventually refinance to get a lower rate. But Why haven’t you told the ppl the truth if home prices dip they wont be able to refinance because they won’t have the 20% in equity
Oh Ray....... There's a reason homeowners have a 44x greater net worth than renters. Those that understand it will take advantage while those that don't will continue to rent.
Very good point! Thanks for sharing that, Ray. 👍🏻
Thanks for your reply. I not arguing that. I just saying it would be nice if you explained the process of refinancing and the cost that comes with it instead of making it seem like its an easy process.
@@ray8381 these kind of strategies are what make people go underwater later if home value goes down and people lose job. If people are desperate they can try this but in current situation it doesn’t hurt to wait for 6 months to see if prices come down unless you are desperate /comfortable as Jen mentioned is when you get into buying a home
Do you think mortgage rates will drop during a Recession?
I’m debating on paying to lockdown my rate for a year while my house is being build. If rates go up pass 6% I won’t be able to comfortably afford the mortgage payment. House will take 8 1/2 month to be completed and won’t start til august.
I personally don’t think rates will drop rt away. Maybe a year or two? Just my guess
I think rates will surpass 6% in july.....defffff lock in your rate if you really really want to secure this new build.
I got my offer accepted on 5/31 and interest rates have increased multiple times since...lock it in
@Kathy Fellows History tells us that during all past recessions, mortgage rates dropped. This is a fact.. Everyone seems to be waiting on a housing Crash. It just won't happen because of this reason alone. With that said, June 30th is a key factor in revealing whether we're in a recession. I think we will be. I don't have a crystal ball, but I believe by the time your home is complete, mortgage rates will be lower. Not the 3% we had last year, but under 6%, above 4%. Good luck with your decision.
@@honestinspiration rates are now 7-7.5
💯
Dud.
Joe Smith, I will subscribe to you and also have everyone I know buying a home subscribe to you too. My question is if the seller has a property listed at $189.900 and the rate is at 6% can I ask the seller to buy down the 6%? I would like my monthly mortgage to be $1,300
You get an ARM! And good luck with the problem you have with the missing “soul” thingy. Barf.
Remember smoke and mirrors gets you nowhere. Yes I'm a very unhappy mistreated client/ex-client
Are you the one he just said didn't complete the loan application, been out of work for over 2 years and not happy with the follow up?
@@JebSmith I signed what I was asked to sign but two days in a row I was told I would get a call from him and no call email or text from him in two days. Extremely frustrating and disappointing being my time is money just like everyone else
I’ve got a 800 credit score and almost had to pay 5.8% interest with 30% down but mortgage broker managed to find me a 5.475
Ouch! Do you mind sharing where in the US you live? Sounds like a big city with tons of competition if you put that much down
For inquiries, leave a message ✍️..
I can’t believe how long this guy can talk before he actually explains anything at all. Frustrating.
why do all these if you can just wait until next year for the crash? hahaha!
don't do it!
It is a scam most definately
No I wouldn’t buy a one million dollar house at 1,000 per month. I’m responsible. I’d have to pay eventually. Realtors are not responsible human beings so this month only matters. Like a Duck brain. Geez. I have a conscience, a credit score and when I borrow money I always pay it back. You revealed yourself for who you are. Geez. 1000 a month? You get food for that! Realtors! Aaaarg.
Good job biden voters