Unlock Homeownership: 3 Simple Steps (You Should Do #1 TODAY) | First Time Homebuyer Tips

Make no excuses - If you want to own a home, get ready now✳️Do Not Buy a House without my First Time Buyer's Guide - https://bit.ly/3uI0JvL ✳️

💰💰Get Your Real Estate License Online and save with my Affiliate Link -
colibri-real-estate.pxf.io/n1OEGa (If you cannot click, please just copy and paste)

📌Need an Agent Referral :
Outside of GA: https://homeandmoney.com/shaheedah/
Georgia ONLY: https://forms.gle/qC2uP4YRednyEyLa6

Ready to Buy Your First House? Watch these videos & Visit my playlists!
⭐8 Steps to Buy a House - https://youtu.be/fgUkwjA12V4
⭐ Where Should You Start? - https://youtu.be/0IOl5pAC_Gk
⭐ Most Important People in the Home Buying Process - https://youtu.be/5N70wMXgmgU
⭐ What is Included in your Mortgage Payment: https://youtu.be/P_JC8b6wKMU
⭐New Construction - https://youtu.be/QoCctKxuJxA
⭐FHA or Conventional - https://youtu.be/gXfEGPd3k4Y
⭐Buying a House with Student Loans - https://youtu.be/yunqWv1xIUU
⭐7 Day Perfect Credit Plan - https://youtu.be/4QU7g6IS7BQ
⭐Can you afford a house: DTI Ratio - https://youtu.be/S3glBuf2fRw
⭐What happens at closing -https://youtu.be/heCUdtcGMls
⭐NACA Home Buying Program -https://youtu.be/HLLluwaAfrQ
⭐Should I Rent or Buy? - https://youtu.be/NPgOyRZKfmU
⭐ Get Your Real Estate License Online- https://youtu.be/kHen6QrArwg
⭐⭐PLAYLISTS - https://www.youtube.com/c/ShaheedahHillRealEstate/playlists

⭐Join My First Time Buyers Facebook Group⭐
https://www.facebook.com/groups/HillsFirstTimeBuyers/members/

🔴Real Estate Agents - Ready to get LEADS from YouTube? Get MY Top 3 Tips for YouTube Agent Success: https://mailchi.mp/b431bee215bf/my-top-3-tips-for-youtube-success

0:00 - Introduction
1:09 - 3 Simple Steps to Homeownership
3:55 - Start Saving with a Goal of 7%
5:06 - Down Payment Assistance Offered by your State
7:26 - Purchasing Land
9:19 - How to Buy a House on Social Security
11:15 - Buying a House with NACA
13:03 - Mortgage Rates Increasing
14:37 - Impact of Car Payments on Homeownership
16:07 - Legacy Loans for African American Neighborhoods
17:16 - Should You Sell Your Car
18:52 - Will Rates hit 7.5% to 8% this Year?
21:53 - Buying a Home with High Interest Rate
23:42 - Lenders Increasing Costs Before Closing
26:02 - Using VA Loan to build a House or Buy a Modular Home
26:55 - Getting 3 Pre-Approvals without Multiple Hard Credit Pulls
30:35 - Hud Assistance Program in California
31:08 - Withdrawal of Mortgage Offer
32:30 - Paying off your Mortgage Early with No Penalty
33:45 - Get your Own Pre-Approval Outside of Current Lender
36:39 - Getting Down Payment Assistance after Buying or Selling 1st Home
38:34 - Should you Buy a House in a Community with no HOA?
40:46 - Timeframe to Purchase a Home after Pre-Approval
42:51 - Being Approved for a Conditional Loan from the Underwriter
44:50 - 1st Time Homeownership for Single Mothers
46:35 - Should we Disclose We are On a IRS Payment Plan?
48:33 - Down Payment for a $400K House
50:38 - Does taking a Loan to buy a Land count as a 1st Mortgage?
51:11 - Buying a House with 4 Months of Car Payments Left
53:29 - Closing with a Conventional Loan and then Refinance with a VA
54:19 - Should I Put Down 5% or 20% to get Rid of PMI?
55:48 - How long does it take to Buy a House?
56:57 - Putting your Children on the Title of a House
57:46 - Best time to give your Landlord a Notice & Start Packing when under Contract
1:01:52 - Minimum Savings when doing USDA and Down Payment Assistance on a $300K Home
1:05:20 - Buying a home under Business Name instead of Personal
1:06:36 - Buying a House with No Money
1:06:52 - How Much Does it Cost to Get Your Real Estate License
1:08:29 - Outro