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Dedicated to the First Time Home Buyer, we are here to give you the information you need to buy your first home.
We are a group of real estate agents and mortgage lenders, and we know the home buying process can be confusing and intimidating. Learning a few key factors can help make the process easier to understand and less stressful.
Our Website @ https://fthbpros.com has all episodes, articles, tools, and additional resources.
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32 Episodes
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The 15 steps of the home buying process. It's really the 101 of buying a home - from start to finish, tailored to the first time home buyer. Are you ready to navigate the world of homebuying with confidence? Join us on this information-packed episode as we guide you through the entire process, from getting pre-approved for a loan to finally holding the keys to your dream home. We talk about the overall home buying process without getting too into the details, so that you can get a good fee...
Today we’ll be talking about how to find a good lender and what questions to ask them to make sure they’re a good fit for you. For each section, we go into detail to help you better understand the process. Let’s first start by just listing a few of the ways to find a lender: Realtor referralA friend or coworker who recently bought a homeAn Online SearchA referral from an organization Some questions to ask a potential loan officer: How long have you been working in the industry?What types of...
One of the first steps to home ownership is choosing a real estate agent. I’d like to go over a few ways you can find an agent, and the types of questions you can ask. Want to get connected with a vetted agent right away? We’ve partnered with Home&Money to help you get connected quickly and easily. Simply head over to https://homeandmoney.com/fthb/ and fill out the simple form to be connected right away with a qualified agent! I love working with first time home buyers to help them becom...
Today we’ll be talking about what is a pre-approval or pre-qualification. We’ll also talk about what kind of documentation you may need to get that letter. Let’s start at the beginning, a pre-approval or pre-qualification are both letters that your loan officer will create that states how much of a loan you could be approved for. This letter is used while you are shopping for homes as well as when submitting offers on homes. See detailed show notes about Pre-Qualifications vs Pre-Approvals an...
Today I’ll be talking about What is a Credit Score, and is Credit Karma Accurate. See full show notes @ https://fthbpros.com/what-is-a-credit-score-and-is-credit-karma-accurate/ A credit score is a number that represents your creditworthiness. this number is generated from the information in your credit report. the higher your score, the less likely you are to miss payments or default on your loans and obligations. Credit Karma uses the VantageScore 3.0 model to generate its scores, which i...
Sometimes called the first time home buyers loan, FHA loans are one type of loan that you may come across during your research. We’ll take a closer look at what an FHA loan is and how it might benefit you as a first-time home buyer. We'll cover the following topics: An Introduction to FHA LoansWhat types of FHA loans are there?What Are the Benefits of an FHA Loan?What additional fees are associated with an FHA loan?What are the income and loan limits for an FHA loan?What homes are elig...
We're talking about buying distressed homes for less than market value, are they worth it? Raj Sharma brings his knowledge of REO, short sale, and pre-foreclosure homes to the episode, to give you an idea of what these homes are, how to find them, and if they're worth it for a first time home buyer. Raj is a Southern California real estate agent who is a veteran of the 2008 housing crisis, who has worked with the banks in valuations as well as nearly a hundred buyers of distressed home...
Saving up for a down payment on a house can seem like an impossible task but there are ways to make it happen. I give 8 different tactics that can be used and combined together to help you get your down payment in 12-24 months. See the full article and show notes here: https://fthbpros.com/how-to-save-for-a-down-payment-on-a-house/ Don't let the down payment keep you from getting into a home! Send a text Find all our episodes, articles, newsletter, and resources on our main site: https://...
If you’re thinking of buying a home, it’s important to consider a number of factors. These include your current financial situation, employment stability, and future plans. The market conditions themselves may not be as important as you think. Full Show Notes / Article @ https://fthbpros.com/is-now-a-good-time-to-buy-a-home/ Now may be a good time to buy a home if: You have a stable job and incomeYou have saved up for a down paymentYou are ready to commit to a long-term mortgageIf you have...
The Department of Veterans Affairs (VA) offers a mortgage loan that can be used by those who have served or are presently serving in the military. With no down payment required, and no mortgage insurance, this is one of the best loans available. See more eligibilty information as well as full show notes @ https://fthbpros.com/what-is-a-va-loan/ We talk about: Eligibility for a VA Loan Types of VA LoansThe Benefits of a VA LoanFees & LimitsSend a text Find all our episodes, articles...
Buying a home can be an intimidating process, but having a comprehensive inspection done can help you make an informed decision and give you peace of mind. Join Our Facebook Community @ https://www.facebook.com/groups/fthbpros/ An inspection is an evaluation of a property or home, typically conducted by a professional inspector, in order to identify any potential problems or issues that may need to be addressed. In this episode, we explore the basics of an inspection process, who conducts ...
8 questions to ask yourself to make sure you are ready to buy a home from an emotional standpoint. Full Article and show notes @ https://fthbpros.com/are-you-emotionally-ready-to-buy-a-home/ Are you comfortable with the idea of owning a home, or is it intimidating? Are you ready and confident to be solely responsible for ensuring the home is always in a safe and livable condition. Do you have the time and energy to take care of a home?Are you comfortable knowing that you can’t mov...
It’s the end search is over. Stop even looking for a house. You’ll never be able to afford it, not with those interest rates. Is that what you've been hearing or thinking? Is it even worth looking at homes anymore? Is your dream crushed? The reality is that, no, you aren't out of the running. It's just a different market now. Today I've got Sarah back on the podcast, and one of the reasons I really wanted her back here is because she's been doing this for 20 years, and guess what, she's see...
If you're self-employed or a contractor, maybe you have inconsistent seasonal income or had some major financial issues recently. Keep listening. This episode is for you. We'll focus on the following alternate (Non QM) loans: Jumbo LoansBank Statement LoanITIN LoanInterest-Only Home LoansBad Credit (Post BK)Who they are for, and some general qualifications. We’ll talk about the pros and cons of choosing a Non QM loan. Our Guest today is Sarah Krasner. Sarah's Contact Info: Sarah Krasn...
In this episode of the podcast, we talked to Stef Beltran del Rio from 360 Credit Consulting about the basics of credit for first time home buyers. We discussed different credit myths, tips for building and maintaining a good credit score, what to look out for when dealing with creditors, and more. Get your free credit consultation at: 360 Credit Consulting - FREE consultation Stef's contact info: Stef Beltran del Rio (720) 210-9987 Stef@360creditconsulting.com Full Article: https://fth...
In this episode, we will explore the often-hidden costs and fees associated with purchasing a home that most buyers don’t consider. From home inspections and closing costs to moving expenses and mortgage fees, there are many hidden charges tucked away in the home buying process that must be accounted for when budgeting. We will talk to real estate experts and industry professionals to get an inside look at what these costs might look like in today’s market, as well as discuss how buyers can...
Learn about purchasing a new construction home - some tips and information to get the most out of your purchase. From financing options, to budgets and design choices, we want you to be prepared for the process and make an informed decision. Send a text Find all our episodes, articles, newsletter, and resources on our main site: https://FTHBPros.com Contact Information: Dat Nguyen – Certified Mortgage Advisor (714) 331-6289 hello@fthbpros.com NMLS# 113790
One popular piece of advice given to first time home buyers is to “marry the house and date the rate.” This phrase refers to the idea of putting more emphasis on finding a house that meets your needs for the long term, and thinking of the interest rate in shorter or temporary term. We'll be taking a closer look at this concept and see what it means for you, the first time home buyer. Send a text Find all our episodes, articles, newsletter, and resources on our main site: https://FTHBPros.co...
We dive into the world of down payment assistance programs and how they can help you achieve your dream of homeownership. With housing affordability becoming a growing issue, these programs are becoming increasingly important for first-time buyers. In this episode, we discuss: The different types of down payment assistance programs and how they workThe various requirements needed to be considered for these programs, such as income, credit score, and residency restrictionsThe upsides an...
I'm talking about one of my favorite down payment assistance programs that you can qualify for even if you make a higher income. If you qualify for an FHA loan, you likely can qualify for this. This program offers a 2% or 3.5% forgivable down payment and/or closing cost assistance with NO income limitations! That's right - no matter how much money you make, you may still qualify for this amazing opportunity. It can cover your down payment or closing costs, making it easier for you to afford...
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