The 1st Time Homebuyer Show w/ Gizmo by House Rich

Giz and I talk about the CFPB looking to eliminate "junk fees" from mortgage lenders and how you can reduce them yourself my understanding how to read a loan estimate. We talk about. We also talk about common mistake 1st time homebuyer make when looking at quotes from lenders.   This is a show for millennial first time home buyers looking to buy their 1st home and build generational wealth through real estate. Real estate is a way to build black wealth and close the wealth gap.   🏠🏡🔑🗝️🏠🏡🔑🗝️🏠🏡🔑🗝️Important info below ⤵️ 🤠I'm a Realtor in Dallas, TX. If you're looking to move to the Dallas, TX area or a local looking to buy I'd love to help. I'm Veteran (Go Navy!!) and have helped 100s of Texas (and out of towners) buy homes in my pervious life in the mortgage industry (I'm a guidelines nerd). Reach out to work with me.   🏡World's Best Home Buying Tips: https://www.youtube.com/@Homebuyingtips 🎙️My Podcast. Homebuying tips on the go: Search on wherever you get podcasts 📚 New to the page? Start here for 2023 mortgage guidelines https://youtube.com/playlist?list=PLjFvxi72ii9j_J6dfqhvExAhE5lF5otgx David Ball Dallas Texas Real Estate Agent | Texas Real Estate License: 800326 📽️📺📹🎥 TikTok- https://www.tiktok.com/@houserichdave IG- https://www.instagram.com/houserichdave/ @houserichdave daveballjr@gmail.com

Gizmo and I discuss the pros and cons if first time home buyers using a mortgage broker versus a big bank or direct lender when getting a home loan.  Some of the items we cover are *seller perception *Does a mortgage broker or bank close loans quicker *Do mortgage brokers or banks have better loan programs *Common misperception *Why oversight on lenders matters This is a show for millennial first time home buyers looking to buy their 1st home and build generational wealth through real estate. Real estate is a way to build black wealth and close the wealth gap.   🏠🏡🔑🗝️🏠🏡🔑🗝️🏠🏡🔑🗝️Important info below ⤵️ 🤠I'm a Realtor in Dallas, TX. If you're looking to move to the Dallas, TX area or a local looking to buy I'd love to help. I'm Veteran (Go Navy!!) and have helped 100s of Texas (and out of towners) buy homes in my pervious life in the mortgage industry (I'm a guidelines nerd). Reach out to work with me.   🏡World's Best Home Buying Tips: https://www.youtube.com/@Homebuyingtips 🎙️My Podcast. Homebuying tips on the go: Search on wherever you get podcasts 📚 New to the page? Start here for 2023 mortgage guidelines https://youtube.com/playlist?list=PLjFvxi72ii9j_J6dfqhvExAhE5lF5otgx David Ball Dallas Texas Real Estate Agent | Texas Real Estate License: 800326 📽️📺📹🎥 TikTok- https://www.tiktok.com/@houserichdave IG- https://www.instagram.com/houserichdave/ @houserichdave daveballjr@gmail.com

Gizmo and I talk about the components of your mortgage payment (Principal, interest taxes, insurance and HOA dues) and which ones are likely to increase. What to watch out for with new construction homes when it comes to property taxes and solutions if you get into a pinch and cant afford your mortgage payment This is a show for millennial first time home buyers looking to buy their 1st home and build generational wealth through real estate. Real estate is a way to build black wealth and close the wealth gap.   🏠🏡🔑🗝️🏠🏡🔑🗝️🏠🏡🔑🗝️Important info below ⤵️ 🤠I'm a Realtor in Dallas, TX. If you're looking to move to the Dallas, TX area or a local looking to buy I'd love to help. I'm Veteran (Go Navy!!) and have helped 100s of Texas (and out of towners) buy homes in my pervious life in the mortgage industry (I'm a guidelines nerd). Reach out to work with me.   🏡World's Best Home Buying Tips: https://www.youtube.com/@Homebuyingtips 🎙️My Podcast. Homebuying tips on the go: Search on wherever you get podcasts 📚 New to the page? Start here for 2023 mortgage guidelines https://youtube.com/playlist?list=PLjFvxi72ii9j_J6dfqhvExAhE5lF5otgx David Ball Dallas Texas Real Estate Agent | Texas Real Estate License: 800326 📽️📺📹🎥 TikTok- https://www.tiktok.com/@houserichdave IG- https://www.instagram.com/houserichdave/ @houserichdave daveballjr@gmail.com

This episode is very visual here in the YouTube link to see what I’m talking about: https://youtu.be/4iNV0x8d514?si=nq6-Y0wYeny6hW03 When touring a property make sure you are examining the neighborhood around the house because you don't want to love the house but hate the neighborhood. I explore everything from tips on evaluating where your HOA money is going, accessing neighbors landscaping to how to identify upcoming construction. This is a show for millennial first time home buyers looking to buy their 1st home and build generational wealth through real estate. Real estate is a way to build black wealth and close the wealth gap.   🏠🏡🔑🗝️🏠🏡🔑🗝️🏠🏡🔑🗝️Important info below ⤵️ 🤠I'm a Realtor in Dallas, TX. If you're looking to move to the Dallas, TX area or a local looking to buy I'd love to help. I'm Veteran (Go Navy!!) and have helped 100s of Texas (and out of towners) buy homes in my pervious life in the mortgage industry (I'm a guidelines nerd). Reach out to work with me.   🏡World's Best Home Buying Tips: https://www.youtube.com/@Homebuyingtips 🎙️My Podcast. Homebuying tips on the go: Search on wherever you get podcasts 📚 New to the page? Start here for 2023 mortgage guidelines https://youtube.com/playlist?list=PLjFvxi72ii9j_J6dfqhvExAhE5lF5otgx David Ball Dallas Texas Real Estate Agent | Texas Real Estate License: 800326 📽️📺📹🎥 TikTok- https://www.tiktok.com/@houserichdave IG- https://www.instagram.com/houserichdave/ @houserichdave

Hey I'm back.   **This is kind of a visual episode, see her for the Youtube link if you want to see what I'm referring to. https://youtu.be/0XKPpThZJKg I cover things 1st time homebuyers often overlooks when touring a property. I cover what to look for inside an outside of the home from checking the gradient of the property to giving a good hard look (or smell) as to why that good smelling candle is lit in the home. Looking for a home in Dallas? Schedule a call w/ me: https://calendly.com/houserich/dfw Outside of Dallas? Connect w/ a dope Realtor in your local market: https://homeandmoney.com/houserichdave/   This is a show for millennial first time home buyers looking to buy their 1st home and build generational wealth through real estate. Real estate is a way to build black wealth and close the wealth gap.   🏠🏡🔑🗝️🏠🏡🔑🗝️🏠🏡🔑🗝️Important info below ⤵️ 🤠I'm a Realtor in Dallas, TX. If you're looking to move to the Dallas, TX area or a local looking to buy I'd love to help. I'm Veteran (Go Navy!!) and have helped 100s of Texas (and out of towners) buy homes in my pervious life in the mortgage industry (I'm a guidelines nerd). Reach out to work with me.   🏡World's Best Home Buying Tips: https://www.youtube.com/@Homebuyingtips 🎙️My Podcast. Homebuying tips on the go: Search on wherever you get podcasts 📚 New to the page? Start here for 2023 mortgage guidelines https://youtube.com/playlist?list=PLjFvxi72ii9j_J6dfqhvExAhE5lF5otgx David Ball Dallas Texas Real Estate Agent | Texas Real Estate License: 800326 📽️📺📹🎥 TikTok- https://www.tiktok.com/@houserichdave IG- https://www.instagram.com/houserichdave/ @houserichdave

Things going forward

10.15 Real estate after dark we discuss this week's housing news:   1:22 I discuss the Oct 12th inflation report and the impact it has on the housing market: Inflation and the housing market: Decoding the latest numbers   6:43 The Airbnb "renter from hell". LA law protects Airbnb guest living at Brentwood rental for 500+ days without paying rent   12:57 The lawsuit against NAR, the National Association of Realtor, ReMax and other brokerage. NAR warns of “Wild West” if plaintiffs win broker commission lawsuit     Looking for a home in Dallas? Schedule a call w/ me: https://calendly.com/houserich/dfw Outside of Dallas? connect w/ a dope Realtor in your local market: https://homeandmoney.com/houserichdave/     This is a show for millennial first time home buyers looking to buy their 1st home and build generational wealth through real estate. Real estate is a way to build black wealth and close the wealth gap.   🏠🏡🔑🗝️🏠🏡🔑🗝️🏠🏡🔑🗝️Important info below ⤵️ 🤠I'm a Realtor in Dallas, TX. If you're looking to move to the Dallas, TX area or a local looking to buy I'd love to help. I'm Veteran (Go Navy!!) and have helped 100s of Texas (and out of towners) buy homes in my pervious life in the mortgage industry (I'm a guidelines nerd). Reach out to work with me. 🤠In the DFW market? Schedule a planning call- https://calendly.com/houserich ⭐If you're looking for a top realtor in your area I can help you with that too. https://calendly.com/houserich/ 📧 hello@houserichshow.com 🏡World's Best Home Buying Tips: https://www.youtube.com/@Homebuyingtips 🎙️My Podcast. Homebuying tips on the go: https://www.houserichshow.com/ 🏠Join my email list and get a FREE credit repair guideline: https://houserichdave.myflodesk.com/newsletter 📚 New to the page? Start here for 2023 mortgage guidelines https://youtube.com/playlist?list=PLjFvxi72ii9j_J6dfqhvExAhE5lF5otgx David Ball Dallas Texas Real Estate Agent | Texas Real Estate License: 800326

This is how a first time homebuyer can figure out how much home they can afford no matter what the interest rates are in their market. - I break down the major components of your debt to income ratio. -I break down the difference between what you can afford and qualify for   Looking in Dallas? Schedule a call w/ me: https://calendly.com/houserich/dfw Outside of Dallas? connect w/ a dope Realtor in your local market: https://homeandmoney.com/houserichdave/   This is a show for millennial first time home buyers looking to buy their 1st home and build generational wealth through real estate. Real estate is a way to build black wealth and close the wealth gap.   🏠🏡🔑🗝️🏠🏡🔑🗝️🏠🏡🔑🗝️Important info below ⤵️ 🤠I'm a Realtor in Dallas, TX. If you're looking to move to the Dallas, TX area or a local looking to buy I'd love to help. I'm Veteran (Go Navy!!) and have helped 100s of Texas (and out of towners) buy homes in my pervious life in the mortgage industry (I'm a guidelines nerd). Reach out to work with me. 🤠In the DFW market? Schedule a planning call- https://calendly.com/houserich ⭐If you're looking for a top realtor in your area I can help you with that too. https://calendly.com/houserich/ 📧 hello@houserichshow.com 🏡World's Best Home Buying Tips: https://www.youtube.com/@Homebuyingtips 🎙️My Podcast. Homebuying tips on the go: https://www.houserichshow.com/ 🏠Join my email list and get a FREE credit repair guideline: https://houserichdave.myflodesk.com/newsletter 📚 New to the page? Start here for 2023 mortgage guidelines https://youtube.com/playlist?list=PLjFvxi72ii9j_J6dfqhvExAhE5lF5otgx David Ball Dallas Texas Real Estate Agent | Texas Real Estate License: 800326 📽️📺📹🎥 TikTok- https://www.tiktok.com/@houserichdave IG- https://www.instagram.com/houserichdave/ @houserichdave

This week's housing market and home buying news. Real Estate After Dark 10/4 ☎️Looking in Dallas? Schedule a call w/ me: https://calendly.com/houserich/dfw 🗺️Outside of Dallas? connect w/ a dope Realtor in your local market: https://homeandmoney.com/houserichdave/   -Wells Fargo economists expect Fed to cut interest rates dramatically in 2024 -Fed's preferred inflation measure shows slowest monthly increase since 2020 -Biden's top economist says the key to ending the housing crisis is giving cities and developers monetary incentives to build more affordable homes   This is a show for millennial first time home buyers looking to buy their 1st home and build generational wealth through real estate. Real estate is a way to build black wealth and close the wealth gap.   🏠🏡🔑🗝️🏠🏡🔑🗝️🏠🏡🔑🗝️Important info below ⤵️ 📧 hello@houserichshow.com 🤠In the DFW market schedule a FREE call- https://calendly.com/houserich/dfw 🤝 Outside of Dallas I can still help https://calendly.com/houserich/referral 🏡World's Best Home Buying Tips: https://www.youtube.com/@Homebuyingtips 🎙️My Podcast. Homebuying tips on the go: https://www.houserichshow.com/ 📚 New to the page? Start here for 2023 mortgage guidelines https://youtube.com/playlist?list=PLjFvxi72ii9j_J6dfqhvExAhE5lF5otgx David Ball Dallas Texas Real Estate Agent | Texas Real Estate License: 800326 📽️📺📹🎥 TikTok- https://www.tiktok.com/@houserichdave IG- https://www.instagram.com/houserichdave/ @houserichdave

In part II discuss how racial bias impact the appraisal industry and how it impact minority communities with Devin Minnis &  supervisor Jacquelin "Jack" Sonceau of Beltway Appraisal 2 black appraisers.   -Is there racial bias in the appraisal industry? -We talk about a case where a black couple's home was evaluated $500k under -Can technology prevent racial bias in the appraisal industry? -Can training help prevent racial bias in the appraisal industry   Looking in Dallas? Schedule a call w/ me: https://calendly.com/houserich/dfw Outside of Dallas? connect w/ a dope Realtor in your local market: https://homeandmoney.com/houserichdave/ This is a show for millennial first time home buyers looking to buy their 1st home and build generational wealth through real estate. Real estate is a way to build black wealth and close the wealth gap.   🏠🏡🔑🗝️🏠🏡🔑🗝️🏠🏡🔑🗝️Important info below ⤵️ 🤠I'm a Realtor in Dallas, TX. If you're looking to move to the Dallas, TX area or a local looking to buy I'd love to help. I'm Veteran (Go Navy!!) and have helped 100s of Texas (and out of towners) buy homes in my pervious life in the mortgage industry (I'm a guidelines nerd). Reach out to work with me. ⭐If you're looking for a top realtor in your area I can help you with that too. Don't hesitate to reach out👇 📧 hello@houserichshow.com 👨🏽‍💻Schedule a call. 🤠In the DFW market- https://calendly.com/houserich/dfw 🤝 National Referral Concierge Service (realtor, movers, etc.)- https://calendly.com/houserich/referral 🏡World's Best Home Buying Tips: https://www.youtube.com/@Homebuyingtips 🎙️My Podcast. Homebuying tips on the go: https://www.houserichshow.com/ 👩🏽‍💻My FB group to contact with other 1st time homebuyers https://www.facebook.com/groups/fthbschool 📚 New to the page? Start here for 2023 mortgage guidelines https://youtube.com/playlist?list=PLjFvxi72ii9j_J6dfqhvExAhE5lF5otgx David Ball Dallas Texas Real Estate Agent | Texas Real Estate License: 800326 📽️📺📹🎥 TikTok- https://www.tiktok.com/@houserichdave IG- https://www.instagram.com/houserichdave/ @houserichdave

I interview black appraisers Devin Minnis &  supervisor Jacquelin "Jack" Sonceau of Beltway Appraisal. They are a rare breed as only 2% of appraiser are black. In part 1 of this episode well discuss. *The steps needs to become and appraiser *The qualifications needed to become and appraiser *What appraisers actually do *What appraisers look for when evaluating a property *How appraisers evaluate unique properties and more... This is a show for millennial first time home buyers looking to buy their 1st home and build generational wealth through real estate. Real estate is a way to build black wealth and close the wealth gap.   In part II-https://youtu.be/ORBkCbfOogM I we discuss racial bias in the appraisal industry. * Does racial bias exist in the appraisal industry *The impact of racial bias in the appraisal industry on the wealth gap * Solutions to racial bias in the appraisal industry * Cases where there may have been bias in the appraisal industry   Beltway Appraisals:https://youtu.be/ORBkCbfOogM Devin Minnis: https://www.instagram.com/the_husbandappraiser/ 🏠🏡🔑🗝️🏠🏡🔑🗝️🏠🏡🔑🗝️Important info below ⤵️ 🤠In the DFW market? Schedule a planning call- https://calendly.com/houserich ⭐If you're looking for a top realtor in your area I can help you with that too. https://calendly.com/houserich/ 📧 hello@houserichshow.com 🏡World's Best Home Buying Tips: https://www.youtube.com/@Homebuyingtips 🎙️My Podcast. Homebuying tips on the go: https://www.houserichshow.com/ 🏠Join my email list and get a FREE credit repair guideline: https://houserichdave.myflodesk.com/newsletter 📚 New to the page? Start here for 2023 mortgage guidelines https://youtube.com/playlist?list=PLjFvxi72ii9j_J6dfqhvExAhE5lF5otgx David Ball Dallas Texas Real Estate Agent | Texas Real Estate License: 800326 📽️📺📹🎥 TikTok- https://www.tiktok.com/@houserichdave IG- https://www.instagram.com/houserichdave/ @houserichdave

Looking in Dallas? Schedule a call w/ me:https://calendly.com/houserich/dfw Outside of Dallas? connect w/ a dope Realtor in your local market: https://homeandmoney.com/houserichdave/ This weeks 9/27 Real Estate After Dark, home buying news topics -homeowners insurance companies like state farms and farmers canceling and raising insurance premiums due to climate change -Douglass Elliman and 30 luxury agent involved in a fair housing lawsuit due to nor adequately helping a section 8 renter -Kevin Hart's remarks on corporations ignoring minority communities and the impact grocery stores have had on causing food deserts   This is a show for millennial first time home buyers looking to buy their 1st home and build generational wealth through real estate. Real estate is a way to build black wealth and close the wealth gap.   🏠🏡🔑🗝️🏠🏡🔑🗝️🏠🏡🔑🗝️Important info below ⤵️ 📧 hello@houserichshow.com 🤠In the DFW market schedule a FREE call- https://calendly.com/houserich/dfw 🤝 Outside of Dallas I can still help https://calendly.com/houserich/referral 🏡World's Best Home Buying Tips: https://www.youtube.com/@Homebuyingtips 🎙️My Podcast. Homebuying tips on the go: https://www.houserichshow.com/ 📚 New to the page? Start here for 2023 mortgage guidelines https://youtube.com/playlist?list=PLjFvxi72ii9j_J6dfqhvExAhE5lF5otgx David Ball Dallas Texas Real Estate Agent | Texas Real Estate License: 800326 📽️📺📹🎥 TikTok- https://www.tiktok.com/@houserichdave IG- https://www.instagram.com/houserichdave/ @houserichdave

I break down the major scams and lies I see from unprofessional credit repair companies based on my real life experience in the mortgage industry.   -Why credit repair companies cant legally guarantee timelines -The ridiculous of CPN and who they are illegal -Why mortgage inquires don't matter -Why credit repair companies suggest "don't pay collections"   This is a show for millennial first time home buyers looking to buy their 1st home and build generational wealth through real estate. Real estate is a way to build black wealth and close the wealth gap.   🏠🏡🔑🗝️🏠🏡🔑🗝️🏠🏡🔑🗝️Important info below ⤵️ 🤠I'm a Realtor in Dallas, TX. If you're looking to move to the Dallas, TX area or a local looking to buy I'd love to help. I'm Veteran (Go Navy!!) and have helped 100s of Texas (and out of towners) buy homes in my pervious life in the mortgage industry (I'm a guidelines nerd). Reach out to work with me. 🤠In the DFW market? Schedule a planning call- https://calendly.com/houserich ⭐If you're looking for a top realtor in your area I can help you with that too. https://calendly.com/houserich/ 📧 hello@houserichshow.com 🤝 National Referral Concierge Service (realtor, movers, etc.)- https://calendly.com/houserich/referral 🏡World's Best Home Buying Tips: https://www.youtube.com/@Homebuyingtips 🎙️My Podcast. Homebuying tips on the go: https://www.houserichshow.com/ 👩🏽‍💻My FB group to contact with other 1st time homebuyers https://www.facebook.com/groups/fthbschool 👨🏽‍🏫I do live home buyer educations training here every Tues at 8pm Est 📚 New to the page? Start here for 2023 mortgage guidelines https://youtube.com/playlist?list=PLjFvxi72ii9j_J6dfqhvExAhE5lF5otgx David Ball Dallas Texas Real Estate Agent | Texas Real Estate License: 800326 📽️📺📹🎥 TikTok- https://www.tiktok.com/@houserichdave IG- https://www.instagram.com/houserichdave/ @houserichdave

•Why the Fed is raising rates •Fed rate hikes historically •Mortgage rates historically •Mortgage rate impact •Predictions for the Nov meeting This is a show for millennial first time home buyers looking to buy their 1st home and build generational wealth through real estate. Real estate is a way to build black wealth and close the wealth gap.   🏠🏡🔑🗝️🏠🏡🔑🗝️🏠🏡🔑🗝️Important info below ⤵️ 🤠I'm a Realtor in Dallas, TX. If you're looking to move to the Dallas, TX area or a local looking to buy I'd love to help. I'm Veteran (Go Navy!!) and have helped 100s of Texas (and out of towners) buy homes in my pervious life in the mortgage industry (I'm a guidelines nerd). Reach out to work with me. 🤠In the DFW market? Schedule a planning call- https://calendly.com/houserich ⭐If you're looking for a top realtor in your area I can help you with that too. https://calendly.com/houserich/ 📧 hello@houserichshow.com 🤝 National Referral Concierge Service (realtor, movers, etc.)- https://calendly.com/houserich/referral 🏡World's Best Home Buying Tips: https://www.youtube.com/@Homebuyingtips 🎙️My Podcast. Homebuying tips on the go: https://www.houserichshow.com/ 👩🏽‍💻My FB group to contact with other 1st time homebuyers https://www.facebook.com/groups/fthbschool 👨🏽‍🏫I do live home buyer educations training here every Tues at 8pm Est 📚 New to the page? Start here for 2023 mortgage guidelines https://youtube.com/playlist?list=PLjFvxi72ii9j_J6dfqhvExAhE5lF5otgx David Ball Dallas Texas Real Estate Agent | Texas Real Estate License: 800326 📽️📺📹🎥 TikTok- https://www.tiktok.com/@houserichdave IG- https://www.instagram.com/houserichdave/ @houserichdave

I interview home inspector Nita Davidson on tips for first time homebuyers going through the inspection process we cover. -How to become a home inspector and how much home inspectors make -Setting expectations during the home inspection -10 major systems to look at during a home inspection -Deal breakers and non-deal breakers during a home inspection -Sewer scope inspections -Items 1st time homebuyers overlooks during a home inspections -How to handle mold during a home inspection -What 1st time homebuyers should look at during a home walk through -Why you should get an inspection on new construction properties Our guest-https://www.instagram.com/househunter216/ This is a show for millennial first time home buyers looking to buy their 1st home and build generational wealth through real estate. Real estate is a way to build black wealth and close the wealth gap.   🏠🏡🔑🗝️🏠🏡🔑🗝️🏠🏡🔑🗝️Important info below ⤵️ 🤠I'm a Realtor in Dallas, TX. If you're looking to move to the Dallas, TX area or a local looking to buy I'd love to help. I'm Veteran (Go Navy!!) and have helped 100s of Texas (and out of towners) buy homes in my pervious life in the mortgage industry (I'm a guidelines nerd). Reach out to work with me. ⭐If you're looking for a top realtor in your area I can help you with that too. Don't hesitate to reach out👇 📧 hello@houserichshow.com 👨🏽‍💻Schedule a call. 🤠In the DFW market- https://calendly.com/houserich/dfw 🤝 National Referral Concierge Service (realtor, movers, etc.)- https://calendly.com/houserich/referral 🏡World's Best Home Buying Tips: https://www.youtube.com/@Homebuyingtips ⭐Dallas Centric YouTube page: https://www.youtube.com/@WhatsDallasLike  🎙️My Podcast. Homebuying tips on the go: https://www.houserichshow.com/ 👩🏽‍💻My FB group to contact with other 1st time homebuyers https://www.facebook.com/groups/fthbschool 👨🏽‍🏫I do live home buyer educations training here every Tues at 8pm Est 📚 New to the page? Start here for 2023 mortgage guidelines https://youtube.com/playlist?list=PLjFvxi72ii9j_J6dfqhvExAhE5lF5otgx David Ball Dallas Texas Real Estate Agent | Texas Real Estate License: 800326 📽️📺📹🎥 TikTok- https://www.tiktok.com/@houserichdave IG- https://www.instagram.com/houserichdave/ @houserichdave

This week's first time homebuyer news • CFPB fines Freedom Mortgage and Realty Connect for Illegal Kickbacks for referrals. I cover how to identify these pay for play schemes as a first time homebuyer and how to protect yourself • Will return to work policies increase inventory? • Is there a “black swan event” coming in the housing market • Rate lock volume plummets in least affordable housing market in 40 years • Q &A   https://www.consumerfinance.gov/about-us/newsroom/cfpb-penalizes-freedom-mortgage-and-realty-connect-for-illegal-kickbacks/   https://markets.businessinsider.com/news/stocks/housing-market-return-to-office-policies-home-sales-remote-work-2023-9   https://www.housingwire.com/articles/rate-lock-volume-plummets-in-least-affordable-housing-market-in-40-years/?cx_testId=26&cx_testVariant=cx_1&cx_artPos=3&cx_experienceId=EXQEK4SQSVBN#cxrecs_s   This is a show for millennial first time home buyers looking to buy their 1st home and build generational wealth through real estate. Real estate is a way to build black wealth and close the wealth gap.   🏠🏡🔑🗝️🏠🏡🔑🗝️🏠🏡🔑🗝️Important info below ⤵️ 🤠I'm a Realtor in Dallas, TX. If you're looking to move to the Dallas, TX area or a local looking to buy I'd love to help. I'm Veteran (Go Navy!!) and have helped 100s of Texas (and out of towners) buy homes in my pervious life in the mortgage industry (I'm a guidelines nerd). Reach out to work with me. ⭐If you're looking for a top realtor in your area I can help you with that too. Don't hesitate to reach out👇 📧 hello@houserichshow.com 👨🏽‍💻Schedule a call. 🤠In the DFW market- https://calendly.com/houserich/dfw 🤝 National Referral Concierge Service (realtor, movers, etc.)- https://calendly.com/houserich/referral 🏡World's Best Home Buying Tips: https://www.youtube.com/@Homebuyingtips ⭐Dallas Centric YouTube page: https://www.youtube.com/@WhatsDallasLike  🎙️My Podcast. Homebuying tips on the go: https://www.houserichshow.com/ 👩🏽‍💻My FB group to contact with other 1st time homebuyers https://www.facebook.com/groups/fthbschool 👨🏽‍🏫I do live home buyer educations training here every Tues at 8pm Est 📚 New to the page? Start here for 2023 mortgage guidelines https://youtube.com/playlist?list=PLjFvxi72ii9j_J6dfqhvExAhE5lF5otgx David Ball Dallas Texas Real Estate Agent | Texas Real Estate License: 800326 📽️📺📹🎥 TikTok- https://www.tiktok.com/@houserichdave IG- https://www.instagram.com/houserichdave/ @houserichdave

In this episode I cover questions that first time home buyers should be asking Realtors in order to make sure they are the right fit.   🏠🏡🔑🗝️🏠🏡🔑🗝️🏠🏡🔑🗝️Important info below ⤵️ 🤠I'm a Realtor in Dallas, TX. If you're looking to move to the Dallas, TX area or a local looking to buy I'd love to help. I'm Veteran (Go Navy!!) and have helped 100s of Texas (and out of towners) buy homes in my pervious life in the mortgage industry (I'm a guidelines nerd). Reach out to work with me. 🤠In the DFW market? Schedule a planning call- https://calendly.com/houserich ⭐If you're looking for a top realtor in your area I can help you with that too. https://calendly.com/houserich/ 📧 hello@houserichshow.com 🤝 National Referral Concierge Service (realtor, movers, etc.)- https://calendly.com/houserich/referral 🏡World's Best Home Buying Tips: https://www.youtube.com/@Homebuyingtips 🎙️My Podcast. Homebuying tips on the go: https://www.houserichshow.com/ 👩🏽‍💻My FB group to contact with other 1st time homebuyers https://www.facebook.com/groups/fthbschool 👨🏽‍🏫I do live home buyer educations training here every Tues at 8pm Est 📚 New to the page? Start here for 2023 mortgage guidelines https://youtube.com/playlist?list=PLjFvxi72ii9j_J6dfqhvExAhE5lF5otgx David Ball Dallas Texas Real Estate Agent | Texas Real Estate License: 800326 📽️📺📹🎥 TikTok- https://www.tiktok.com/@houserichdave IG- https://www.instagram.com/houserichdave/ @houserichdave

Real Estate After Dark 9/6: I breakdown the updated 2023 housing market forecast from Fannie Mae, Zillow, Wells Fargo Goldman Sachs, the Mortgage Bankers Association and other organizations. I also break down why builder incentives make this a great time to but a new construction home. This is a show for millennial first time home buyers looking to buy their 1st home and build generational wealth through real estate. Real estate is a way to build black wealth and close the wealth gap. 🏠🏡🔑🗝️🏠🏡🔑🗝️🏠🏡🔑🗝️Important info below ⤵️ 🤠I'm a Realtor in Dallas, TX. If you're looking to move to the Dallas, TX area or a local looking to buy I'd love to help. I'm Veteran (Go Navy!!) and have helped 100s of Texas (and out of towners) buy homes in my pervious life in the mortgage industry (I'm a guidelines nerd). Reach out to work with me. ⭐If you're looking for a top realtor in your area I can help you with that too. Don't hesitate to reach out👇 📧 hello@houserichshow.com 👨🏽‍💻Schedule a call. 🤠In the DFW market- https://calendly.com/houserich/dfw 🤝 National Referral Concierge Service (realtor, movers, etc.)- https://calendly.com/houserich/referral 🏡World's Best Home Buying Tips: https://www.youtube.com/@Homebuyingtips ⭐Dallas Centric YouTube page: https://www.youtube.com/@WhatsDallasLike 🎙️My Podcast. Homebuying tips on the go: https://www.houserichshow.com/ 👩🏽‍💻My FB group to contact with other 1st time homebuyers https://www.facebook.com/groups/fthbschool 👨🏽‍🏫I do live home buyer educations training here every Tues at 8pm Est 📚 New to the page? Start here for 2023 mortgage guidelines https://youtube.com/playlist?list=PLjFvxi72ii9j_J6dfqhvExAhE5lF5otgx David Ball Dallas Texas Real Estate Agent | Texas Real Estate License: 800326 📽️📺📹🎥 TikTok- https://www.tiktok.com/@houserichdave IG- https://www.instagram.com/houserichdave/ @houserichdave

I discuss the guidelines for Zillow's 1% down loan program. I talk other companies that have 1% down loan programs and what to look for to identify if the program works for you. Why certain real estate gurus and personalities discourage you from using certain lenders. Finally i discuss the pros and cons of down payment assistance. This is a show for millennial first time home buyers looking to buy their 1st home and build generational wealth through real estate. Real estate is a way to build black wealth and close the wealth gap.   🏠🏡🔑🗝️🏠🏡🔑🗝️🏠🏡🔑🗝️Important info below ⤵️ 🤠I'm a Realtor in Dallas, TX. If you're looking to move to the Dallas, TX area or a local looking to buy I'd love to help. I'm Veteran (Go Navy!!) and have helped 100s of Texas (and out of towners) buy homes in my pervious life in the mortgage industry (I'm a guidelines nerd). Reach out to work with me. ⭐If you're looking for a top realtor in your area I can help you with that too. Don't hesitate to reach out👇 📧 hello@houserichshow.com 👨🏽‍💻Schedule a call. 🤠In the DFW market- https://calendly.com/houserich/dfw 🤝 National Referral Concierge Service (realtor, movers, etc.)- https://calendly.com/houserich/referral 🏡World's Best Home Buying Tips: https://www.youtube.com/@Homebuyingtips ⭐Dallas Centric YouTube page: https://www.youtube.com/@WhatsDallasLike  🎙️My Podcast. Homebuying tips on the go: https://www.houserichshow.com/ 👩🏽‍💻My FB group to contact with other 1st time homebuyers https://www.facebook.com/groups/fthbschool 👨🏽‍🏫I do live home buyer educations training here every Tues at 8pm Est 📚 New to the page? Start here for 2023 mortgage guidelines https://youtube.com/playlist?list=PLjFvxi72ii9j_J6dfqhvExAhE5lF5otgx David Ball Dallas Texas Real Estate Agent | Texas Real Estate License: 800326 📽️📺📹🎥 TikTok- https://www.tiktok.com/@houserichdave IG- https://www.instagram.com/houserichdave/ @houserichdave

My loan being decline right before my wife and I got married is what started my professional real estate journey. I go over that story, how I house hacked at 21 w/o my roommate knowing, bought my 2 property and this turned me home buyer education advocate and expert (can I call myself an expert?).   This is a show for millennial first time home buyers looking for actionable steps to but their first home.   🏠🏡🔑🗝️🏠🏡🔑🗝️🏠🏡🔑🗝️Important info below ⤵️ 🤠I'm a Realtor in Dallas, TX. If you're looking to move to the Dallas, TX area or a local looking to buy I'd love to help. I'm Veteran (Go Navy!!) and have helped 100s of Texas (and out of towners) buy homes in my pervious life in the mortgage industry (I'm a guidelines nerd). Reach out to work with me. 🤠In the DFW market? Schedule a planning call- https://calendly.com/houserich ⭐If you're looking for a top realtor in your area I can help you with that too. https://calendly.com/houserich/ 📧 hello@houserichshow.com 🤝 National Referral Concierge Service (realtor, movers, etc.)- https://calendly.com/houserich/referral 🏡World's Best Home Buying Tips: https://www.youtube.com/@Homebuyingtips 🎙️My Podcast. Homebuying tips on the go: https://www.houserichshow.com/ 👩🏽‍💻My FB group to contact with other 1st time homebuyers https://www.facebook.com/groups/fthbschool 👨🏽‍🏫I do live home buyer educations training here every Tues at 8pm Est 📚 New to the page? Start here for 2023 mortgage guidelines https://youtube.com/playlist?list=PLjFvxi72ii9j_J6dfqhvExAhE5lF5otgx David Ball Dallas Texas Real Estate Agent | Texas Real Estate License: 800326 📽️📺📹🎥 TikTok- https://www.tiktok.com/@houserichdave IG- https://www.instagram.com/houserichdave/ @houserichdave