1st step: have money.

@Ms.J.

2 ай бұрын

😂

@coreysanders2778

Ай бұрын

🤣🤣🤣🤣🤣

@nenehbahfulanigirl1159

13 күн бұрын

😂😂

@anthonyjohnson5961

Сағат бұрын

EXACTLY!

First step: having money.

@LaurelCanyonMojo

5 ай бұрын

Not as much as you think, if you choose a house within your means and you're not attached to living in an expensive area.

@shadowseeker2197

5 ай бұрын

First step: have lots of paperwork lol

@expansioniskeyrn

3 ай бұрын

Yes & No…when you get more experienced/older, you’ll find out vast majority of people borrow money from a bank to “buy” a home. Dumb it down….make monthly payments you can afford for 15-30 years…

@slimmbabyy6841

Ай бұрын

First step is have good credit

@Romans1.24-27

Ай бұрын

Which, nowadays is nearly impossible... In this economy, no discretionary money left after rent, groceries, utilities

Some lenders also offer incentives like helping with closing cost. So shop around

@ShaheedahHill

27 күн бұрын

@Bluebaby422 Thanks for watching and sharing

I wish they taught this in school! But thank God theres people like you here to help others!

@ShaheedahHill

5 ай бұрын

@Interestinggirl-in2ne Thank you for watching

I'm first time home buyer. Best decision. I bought land in the country i didn't wanna be in Dallas Texas anymore. I did all mine in 2023. I been in my new home 4 months now. I got a mobile home because houses are just to expensive.

@ShaheedahHill

5 ай бұрын

Congrats and thanks for sharing!

@kainwinchester4434

5 ай бұрын

Me and my fiance are considering buying after finding a project house/ major fixer upper

@TheeHuntress

4 ай бұрын

❤I see that you are really onto something. I am from Houston, and have long had enough of the stresses of big city living. I have been looking into buying land as well, in the rural areas of Georgia (where I have never been until today lol.) Always good to keep an open mind. I wish you well in your home and endeavors. You did your thing ✊🏽

@angeliamattingly

4 ай бұрын

@@TheeHuntress I'm from Georgia I hope you like it. The weather there is much different from Texas. I'm from Rossville, Georgia

@pacs0508

3 ай бұрын

​@@TheeHuntressJAWJUH. ATL, AL HERE, SOUTHERN BORN AND SOUTHERN BRED.

My spouse and I bought a house in 2015, our friend was our agent so we just went with her lender not knowing we should have shopped around...that may have been a mistake but we got a 3.75% interest rate, thankfully this was before what's going on now or we may have made a more expensive mistake! We have since sold that house and for the next one will be much more prepared with a down payment, and shopping around for lenders, thank you for sharing your knowledge!

@ShaheedahHill

11 күн бұрын

@nadiasews Thank you for watching

Over the hill to homeownership! That’s gold! Good job, mama!

@ShaheedahHill

2 ай бұрын

Thanks so much!

Bought three houses now. Everything is on point.

@ShaheedahHill

5 ай бұрын

Thanks for watching

Learning a lot before buying our first home.

@ShaheedahHill

Ай бұрын

Great to hear! @patrice2335 Thank you for watching

Amazingly concrete and clear! You present information so uniquely and make it so easy to understand! Starting out saying that home owners are not smarter than anyone else, HUGE!!! I didn’t realize I thought that until you said it!

@ShaheedahHill

6 ай бұрын

Thank you so much, sometimes it is the opposite - sometimes smart people overthink and wait way longer than they should have to make the first step.

You are so awesome! I love how your teaching background comes into play and makes it so straightforward to understand. Thank you!! Im nervous and looking forward to homeownership.

@ShaheedahHill

6 ай бұрын

Thank you so much, everyone is a little nervous but you will confidently buy your first home!!!

You are a breath of fresh air, watching your videos have SIGNIFICANTLY improved my fiancé and my home buying experience, and we are confident in getting a home within the next few months 👍

@ShaheedahHill

5 ай бұрын

@sweetafiedsteph Thank you for watching and for the feedback, I really appreciate it.

Although 9 steps might seem like a lot for some, your explanation made it as clear as day to me. Had the realtors and lenders I have dealt with explained the home buying process at all, you make me feel like I would have at least 2 homes under my belt by now 😢🤷🏽

@ShaheedahHill

4 ай бұрын

Thank you so much for watching, you can do this!

Thanks for sharing!

Thank you for this great information and on your other videos. Getting ready to buy a home this year. Your a blessing 💯

@ShaheedahHill

6 ай бұрын

You are so welcome

Thank you for sharing, education is the key especially for the first time home buyers.😊

@ShaheedahHill

6 ай бұрын

Absolutely!!

Omg thank you so, so much! It feels like there's magic information other people know and you are openly sharing it! ❤

@ShaheedahHill

4 ай бұрын

@clab7133 Thank you for watching

You're such a wealth of information!!!!! I truly 🧡 your channel. 👍🏾☺️

@ShaheedahHill

6 ай бұрын

Thank you so much 🤗

Mrs Hill out here with these RE gems!!! Straight forward and clear

@ShaheedahHill

6 ай бұрын

@dlinder7 Thank you for watching

Your information is amazing. I have shared your video with friends. And they have been able to purchase houses from the tips that you give in. You're awesome. Keep these amazing videos coming

@ShaheedahHill

4 ай бұрын

@stevensettlesii8314 Thank you for watching and sharing my videos ☺️

This is very true, Thanks!

Amazing video, thank you for not zipping through the info and teaching what people need to know. I am now more informed!

@ShaheedahHill

5 ай бұрын

@laticiacook883 Thank you for watching

Thank you for sharing!! This was very helpful and you explained it so wel!!❤

@ShaheedahHill

6 ай бұрын

Glad it was helpfu, thank you for watching and for the feedback, it really means a lot to me☺️

Thank you so much!! Saving this since I'm thinking of getting into the game hopefully in the next year or two.

@ShaheedahHill

4 ай бұрын

@claudeenonthego Thank you for watching

Thank you Ms. Hill🌹🙌🏾🌹

@ShaheedahHill

5 ай бұрын

You are so welcome

This is an excellent video!

@ShaheedahHill

11 күн бұрын

@kristiesmithtxrealtor Thank you for watching

Extremely helpful!! Me and my husband are preparing this year to get into hone next year.

@ShaheedahHill

5 ай бұрын

Thanks for watching

Thank you for answering my questions that I have been wondering about

@ShaheedahHill

5 ай бұрын

Happy to help!

This video is so helpful. Thank you for the steps 💛🧡

@ShaheedahHill

6 ай бұрын

You're so welcome!

Just subbed to the channel, more folks need to do their homework and research for the home buying process.

@ShaheedahHill

8 күн бұрын

Welcome to the channel!

I love your steps my wife and I is currently doing this but I would recommend every one to take care of all debts before anything because not only you clearing your debts but at the same time your building your credit score for a better chance at getting approved for more in my opinion it’s better to be approved for more than less you don’t want to get a mortgage while in debt

@ShaheedahHill

3 ай бұрын

@MikePhases Thanks for watching and sharing

This has been the most helpful video I ever watched. Thank you for the video!

@ShaheedahHill

2 ай бұрын

That is awesome, thank you so much.

❤ Thank You!

You're amazing! I took notes! Thank you sm!

@ShaheedahHill

6 ай бұрын

I'm so glad!

@greaterishe7197

3 ай бұрын

Me too!

Thank you for posting this

@ShaheedahHill

4 ай бұрын

You're welcome

Just found your channel! As a soon to be homeowner(closing in a week), my husband and I followed these steps and we’re so excited own. We’ve rented for many years and now have the opportunity to own our first home.

@ShaheedahHill

3 ай бұрын

That is awesome, congratulations!!

Thank you for the info!

@ShaheedahHill

2 ай бұрын

Any time!

thank you very much

Thank you Professor!!!!!

@ShaheedahHill

6 ай бұрын

You are welcome!

Great video! So informative and easily understood! Thank you ma'am!

@ShaheedahHill

5 ай бұрын

You're so welcome!

awesome video ❤

@ShaheedahHill

27 күн бұрын

@linathebarb Thank you for watching

Do I get to skip 6 of those steps because I am my own bank? I don’t need financing. I buy the house paid in full with my own money. I knew most of those steps wouldn’t apply to me but then again, I am the 1%. 99% of people will need financing.

@ShaheedahHill

27 күн бұрын

Yes, you can skip all the financing steps and the appraisal is optional. @xelefonte Thank you for watching

Hey there! Thanks for breaking down the home buying process so clearly! I never would have thought to get pre-approved with three different lenders - great tip!

I am currently in the beginning stages of purchasing a home. This video helped alot. Awesome advice. Thank You so much Mrs. Hill.

@ShaheedahHill

3 ай бұрын

You are so welcome! @waltergatlin6268 Thank you for watching

Sharing is caring, thank you for the knowledge.😊

@ShaheedahHill

3 ай бұрын

Thanks for watching

I truly appreciate you, and thanks so very much.

@ShaheedahHill

6 ай бұрын

@patrickpurnell8171 Thank you for watching

Awesome video . Thanks for the info

@ShaheedahHill

4 ай бұрын

@papaproductivo8698 Thank you for watching

very good video. thank you!

@ShaheedahHill

5 ай бұрын

You are welcome!

Thank you!

@ShaheedahHill

6 ай бұрын

You're welcome!

I have to say you are so amazing, I love your sharing.

@ShaheedahHill

6 ай бұрын

Thank you so much!

best video ever.Thank you!

@ShaheedahHill

6 ай бұрын

Wow, thanks!

Amazing vid!!!

@ShaheedahHill

6 ай бұрын

Thanks!!

Thank you for sharing. Very valuable information.

@ShaheedahHill

4 ай бұрын

Glad it was helpful!

Thank for information

@ShaheedahHill

6 ай бұрын

@cathykwardeng7428 Thank you for watching

Great video ❤ plain and simple. I made it to pre approval last year then had some things happen. Had my credit where it needed to be, now I have to work on that again. I’m thankful I have a roof over my head (apt) but I want an affordable home one day.

@Shanvle

6 ай бұрын

I had the same experience last year, praying to be in my own home this year. We got this!

@ShaheedahHill

6 ай бұрын

Get back out there when the time is right for you. Thank you for watching.

@kimberlymay9497

6 ай бұрын

@@Shanvle we did it before we can do it again. This time more wiser.

Thanks this is really helpful

@ShaheedahHill

3 ай бұрын

@tristinjones2 Thank you for watching

I hope I’ll be home next month. Thank you for the video!

@ShaheedahHill

2 ай бұрын

Thanks for watching

Appreciate your channel so much! 💯🙏🏿

@ShaheedahHill

2 ай бұрын

Thank to😊

@ShaheedahHill

2 ай бұрын

You!

I’m a Realtor in Birmingham. I must say there is detail and clarification for clients. Thanks!!!

@ShaheedahHill

3 ай бұрын

Thanks for watching

This is Gold here, thank you!

@ShaheedahHill

2 ай бұрын

You're very welcome!

Great info ..

@ShaheedahHill

4 ай бұрын

Glad it was helpful!

This is gold thank you soo much

@ShaheedahHill

4 ай бұрын

@jameelabellingport6369 Thank you for watching

@jameelabellingport6369

4 ай бұрын

@@ShaheedahHill no thank you

Can you do a video of programs that’ll help first time buys? Love all the info!

@ShaheedahHill

5 ай бұрын

Here you go kzread.info1wbXthaTqM4?feature=share

Thank you

@ShaheedahHill

6 ай бұрын

@BawsyCD Thank you for watching

Informative

@ShaheedahHill

3 ай бұрын

@prosperalieh3009 Thank you for watching

This is a very helpful video

@ShaheedahHill

5 ай бұрын

Glad it was helpful!

Great video

@ShaheedahHill

3 ай бұрын

@aliciaf3384 Thank you for watching

This was great

@ShaheedahHill

4 ай бұрын

@Brandon-cj4tv Thank you for watching

Love this video:) Very informative. Do you have any information for first time home buyers; who are planning to get a construction loan to build there first home?

@ShaheedahHill

6 ай бұрын

Thank you, here is my video on buying a home on your own land - kzread.info/dash/bejne/eKqmsJKHh63PYZM.html

@kkrobertson1

6 ай бұрын

Thank you

Great info. I look forward to these steps.

@ShaheedahHill

6 ай бұрын

@boneytiger5650 Thank you for watching

Thanks

@ShaheedahHill

Ай бұрын

@dennischarles8524 Thank you for watching

Gan Shaheedah thanks for the information

@ShaheedahHill

6 ай бұрын

@annettepennant5672 Thank you for watching

All steps have money 💰

New sub❤ You're videos are very informative. My question is, I have cash to buy land right now, but can you explain 100% 15 year tax abatement?

@ShaheedahHill

6 ай бұрын

Welcome to the channel, typically a tax abatement is when the municipality (usually the city or county) is going to waive property taxes, usually to spur economic development and encourage people to move to certain areas. In this example it would be for 15 years. Here is my video on building on your own land - kzread.info/dash/bejne/eKqmsJKHh63PYZM.html

@NappturallyTrendy

6 ай бұрын

@ShaheedahHill Thank you so much, and thanks for responding

I am super excited to learn more, but here is a question ⁉️ if I'm approved for the loan, can I use some of it for other things? You said something about a down payment at closing, so that's why I'm asking!!! Tell me more 😳

@ShaheedahHill

4 ай бұрын

No you cannot use it for other things, only the home purchase. You may in some cases be able to roll the closing costs into the loan, but the home still needs to appraise for that higher amount.

Sorry about the late response: I am in the process of buying a home. I got only one quote from a lender at 6.5% at 200,000 but I have to put down 137,247 on a conventional loan through First Horizon Bank. Should the loan be 100,000 if 137,000 is required? Any advice thanks

Hi I'm a new follower. Do you have info on self employed or 1099 employees?

@ShaheedahHill

6 ай бұрын

I don't have a video specifically for self employed, however a friend of the channel does: Here is that video: kzread.info/dash/bejne/kahktNF-qsuyobQ.htmlsi=TaGPWDyd2dBVr8nx We also have a video we did together, really detailing the pre-approval process: kzread.infocpewL4OlpjQ?feature=share Welcome to the channel!

Homes near me are selling like hot cakes and 30k+over asking, usually. I don't understand how anyone can make equity on any house near me. It's crazy. I'm trying to buy a house but the houses near me are pending within 1 week.

@ShaheedahHill

4 ай бұрын

@jfresh2054 Thank you for watching

Right now. Im renting. But i want to buy my own home. I already pay rent, watter, lights, suply my own heat, pest control, and trash.... So i feel like im already doing the financial part of home owning....

@ShaheedahHill

4 ай бұрын

@jadatownsend5014 Thank you for watching

Do you know of any realtor in Illinois south suburbs specializing in first time homebuyers. I'm having trouble finding any. Thank You

@ShaheedahHill

6 ай бұрын

Please email me at info@shaheedahhill.com and I will recommend someone.

I have a question about knowing what you can afford. Do you have any videos that talk about the costs associated with home ownership BESIDES the mortgage? I’ve heard so many people say there are many things they have to pay for that they never anticipated.

@ShaheedahHill

6 ай бұрын

I don't have a specific video with all the costs, but it is important to note that property taxes and insurance can increase as the home value increases and home maintenance costs. So anything you would call your landlord to fix would now be your responsibility. @PippiOnePointOh Thanks for watching! Avoid Costly Mistakes by Buying My First Time Homebuyer Masterclass and Digital Confidently Closed Handbook - bit.ly/47s4pT7

I tries to go through my realtors recommendation for a lender and he barely talks to me.

Question if i'm...? I have a full-time job. I just Started driving over. Can I plan one doing it for the rest of this year? Is there any way I can get in a house with my current job? Combine with my uber income? Or is it just a complicated process? That's a nogo, would love your advice You're An amazing home buying genius

@ShaheedahHill

4 ай бұрын

For part-time and contract work they will require you to work there for at least 2 years before they count that as income. So you are better off using the money from Uber to save towards your down payment and closing costs. @stevensettlesii8314 Thanks for watching! Avoid Costly Mistakes by Buying My First Time Homebuyer Masterclass and Digital Confidently Closed Handbook - bit.ly/47s4pT7

What are your opinions, if any, regarding the NACA loan?

@ShaheedahHill

6 ай бұрын

Here are my 3 NACA videos - I don't have a problem with the program, but you likely need a plan B, since not everyone can make it through the NACA process. @jessicaalexander19 Thank you for watching kzread.info/dash/bejne/eXydyNp9csSzY9Y.html kzread.info/dash/bejne/aXqJq9SNhbSsaLg.html kzread.info/dash/bejne/eoCAztewkaTMorQ.html

how much money to save in bank and what if rent be late but gets paid

@ShaheedahHill

4 ай бұрын

@ealex3565 Thank you for watching, usually during underwriting they will check your rental history so make sure you pay your rent on-time or that the landlord will tell them you haven't been late. There is no set amount you need to have in the bank but you should make a goal to save 7% of the home price. Here are 3 videos you should watch as follow-ups, that will help explain how it all works: kzread.infocpewL4OlpjQ kzread.info/dash/bejne/aX6ikpaLnJnIcqQ.html kzread.info/dash/bejne/lXxssMuQc7XFlso.html

Good afternoon

@ShaheedahHill

6 ай бұрын

@eugenesmith3611 Thank you for watching

Also, avoid HOA and high tax homes

Searching for a Lender, How would that Impact my delicate score ?

@ShaheedahHill

27 күн бұрын

Watch this video - It will explain kzread.infocpewL4OlpjQ?feature=share

Thank you so much, what is your take on lot Premium for single family homes. Adding burden on total cost which is increasing the price of the house and making insanely difficult to purchase a single family home in the near future.

@ShaheedahHill

Ай бұрын

Many new builders include lot premiums into the total costs. If you buy a lot with no premium they are likely less desireable, avoid lots with slopes up or down, no yards, power lines, etc. those all make homes harder to sell when you are ready. If you can geta culdesac lot with a yard - I would pay a premium for that. @kishorem86 Thank you for watching

@kishorem86

Ай бұрын

@@ShaheedahHill thank you

Does a prefab house have the same value as a trraditonally built house?

@ShaheedahHill

2 ай бұрын

It depends if you have to disclose the home was pre-fab, many times you cannot tell. But I would say for the most part stick built hold more value.

I’m looking and nervous to buy my first home. I’m in Cali.😅

@ShaheedahHill

5 ай бұрын

Thank for watching!

By doing several pre approvals, would the credit score be affected?

@ShaheedahHill

Ай бұрын

Only once, please watch this video, it will explain kzread.infocpewL4OlpjQ

So what do I do if 30% of my take home isn’t enough to buy a home anywhere near where I’d like to live and I don’t have much money saved for a down payment?

@ShaheedahHill

5 ай бұрын

You can use DPA to help with the down payment, but the hard answer is, in order to buy a home in your area you will likely have to make some more money or live farther away where prices may be lower. I also want to say even if you are renting you dont want more than about 30% of your take home pay to go towards housing. @zendragonmindtuner6207 Thank you for watching

How long does the process overall Take?

@ShaheedahHill

6 ай бұрын

30-45 days not including the home search. The home search process will vary for everyone but typically 30-45 days. Contract to Closing. @HajraUmmiof3 Thank you for watching

Do you have a consultation and how much?

@ShaheedahHill

4 ай бұрын

No but I have a FB group and a masterclass. @rachaelgoldstein6134 Thanks for watching! Avoid Costly Mistakes by Buying My First Time Homebuyer Masterclass and Digital Confidently Closed Handbook - bit.ly/47s4pT7

Do you recommend NACA?

@ShaheedahHill

6 ай бұрын

I think NACA is good but you need a back up plan to NACA just in case it does not work for you or it takes too long - Here are two of my NACA videos you should watch - kzread.info/dash/bejne/aXqJq9SNhbSsaLg.html and kzread.info/dash/bejne/eXydyNp9csSzY9Y.html

You skipped #4 😩

What if you have the exact amount for the house

@ShaheedahHill

3 ай бұрын

Then you don't need a loan. The steps are still basically the same except underwriting and appraisal. An appraisal will not be required but you may want to get an appraisal to protect the value of your investment.

Wish I could talk to you one on one 😢❤

@ShaheedahHill

4 ай бұрын

Please join my FB group, you can ask questions and learn a lot there. facebook.com/groups/HillsFirstTimeBuyers @loveyoubetrue111 Thanks for watching! Avoid Costly Mistakes by Buying My First Time Homebuyer Masterclass and Digital Confidently Closed Handbook - bit.ly/47s4pT7

Ive been watching your videos for years and love your well informed content and explanations. Now im in the process of selling our 1st home we purchased and flipped. We have multiple offers on the table for asking price for the same terms. Pay 3% of closing costs of the final sell price. About 6k. We really would like an offer 10k over asking price.. What would be some good options as a response in this scenario to get us to our goal amount?

@ShaheedahHill

6 ай бұрын

Thanks for being a subscriber to the channel for so long and congrats on your home sale. It is interesting that all offers you received have come in for the exact same price and terms...that may be an indication the buyer don't feel it is worth more than the list price. If you thought is was worth 10K more, next time list it for the market price, you have a 3 choices when listing a property list lower than market price and hope for a multiple offers bringing the price higher than list, market price and above market price. I am assuming you listed at what you thought was below market - but although you received multiple offers they all came in as list price. Now you can counter all offers at higher than list, but most agents will think if you wanted that price why didn't you list it for that, or my suggestion would be for you to tell all the agents you have received multiple offers and you are asking for highest and best and give a deadline to receive the best offer and go from there. Keep in mind a few things 1. make sure the property will appraise for the higher price, 2. with all buyers needed closing costs - if the house does not appraise they may try to renegotiate for the appraisal price and still need closing costs, have your agent walk you though these scenarios. Remember with FHA offers, they can typically walk away with their earnest money if the house does not appraise - review your contract for an Amendatory clause on FHA loans. Best of luck and let me know how it turns out☺️

@mayachilisa18

6 ай бұрын

@ShaheedahHill thank you! This gives great insight and makes so much sense moving forward on how we need to approach this. I will update !

@mayachilisa18

5 ай бұрын

@ShaheedahHill so we ended up taking our home off the market. We plan to relist soon. We decided it was best not to take the chance with either offers because one needed down-payment assistance, which apparently requires a longer closing time for some banks so we wouldn't be able to close before moving. They were both okay with paying closing costs in the counter. The other had a contingency that she sold her home. The buyers agent made it seem like the sell was a done deal, and the house was under contract only when my realtor checked, it was never under contract. I just looked again and the house is finally under contract, so we would've been paying another month of expenses for this and our new home before we would've even had the chance to close, maybe (shady lending). We learned that the majority of our offers were coming from people with "shady" or unclear lending situations. We had a total of 7 offers on the house within 3 weeks, and only 1 of them had a regionally recognized lender. It was very strange and I'm not sure what that means for the market.