Mortgage Questions? Call Me 707-478-0637 ~ #1 VA Lender in America - Top 1% Mortgage Lender in America since 2016
My Promise To You:
• NO BS. The Real Deal. We will guide you from how to get from where you are now to HOME
• You will work with ME and my team. I would never sell you as a lead to a call center like many social media "lenders" do
• I work for YOU. My team and I will be your advocates throughout the process. YOU are our priority.
• I am here to make a difference by giving you the home buying education you will need for the rest of your life.
• I offer Competitive rates and fees.
Call Me to Get Started! My Cell is 707-478-0637
Look forward to chatting!
- Jen
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BS conspeak! You can give examples based on specific criteria. For example Tampa FL. Vs. St Petersburg Fl. Air DNA has all the info on, & mortgage rates are readily available. You can discuss points, down payments, mortgage insurance VA loans etc. it’s a bait & hook scheme. People pull the “it depends, everyone is different “ scam.
Right because everyone in America has the same debt load? Qualifying is more then a payment on air Dna
So the answer is . . . it depends.
Subscribed, thank you for all your excellent videos!You should have a million viewers! Best wishes.
.... the price???
Great info. And yes, guys like Kohls!!
Talk to youre lender
Fantastic video😍Looking to sell (ny) & buy (tx) Nov/Dec 2024. Will watch again in Aug Thanks
In esting in a home in canada is insanity at rhis point.. for the down payment you can puchase a house in most u.s. regions and go figure.. you could probably even find a doctor as well
Nobody loans to me cause I’m white
Pearly white teeth 😊
Thank you. Lots of crest toothpaste:)
Before deleting the number, mark it as phishing
When I was at language school the amount of training we had to give new Marines on honeypots, long-distance romance scams, blackmail regarding explicit images/videos was absolutely insane. It's simple and straightforward stuff that's obvious to above average folks could easily figure out but it gets the lowest of the hanging fruit. That was something interesting I learned especially with phishing emails. The obvious errors are meant to weed out the more aware folks because they are most likely to catch on or report something where as the susceptible portions of the population will likely not do anything until the bad thing has already happened. It's a very sketchy world out there.
SO HOW MUCH ???
Pray for someone whose buying a house from a real estate agent named Amanda. I can't tell them what to do. They are moving to quickly and I m afraid mistakes are being made 10:59 Greenwood
Sending good thoughts that they slow down and look around
great content thanks
Brilliant advice as always, Jen. I have no desire to volunteer myself for social engineering. It might just be me but cold-calling people to draw them in makes sense for motivating people to vote but not for legitimate business that is beneficial for potential customers. Also, credit bureaus selling information is pretty terrible on top of the fact that the credit score already isn't even a comprehensive indicator of financial discipline.
That is some good advice👍🤩👌
Great information!!! Let me ask you if attending a 1st Time Home Buying program that they issue a coupon for lenders to know that we have attended and completed… they also work on customers behalf on understanding closing documents, are they any good? They are non profit.
It depends on what organization is. Who is it and who are the lenders?
Great video 📹 👍
Glad you enjoyed it
And I have often seen where the realtor's lender is their spouse. MAJOR RED FLAG.
Agreed! Way too much depending on that house closing
Thank you!!! I haven’t yet met a real estate agent that has been concerned about me , only selling the house ..
Thank you and don’t give up hope there are some good ones out there.
Hi Jen! We are looking into getting a home sadly we were not picked from dream for all. My lender gave us 3 options including calhfa my home assistant. What do you think? We are from east bay California.
I think it depends on if you need downpayment assistance. I am not familiar with home assistant but CalHFA is a solid program
REALTOR!, Not Realitor! 🤬
Once again never going to change
Jenn, thanks for everything your team has done for the Wife and I. Will definitely be using you and your team again when getting another house in future . Got keys to new house yesterday. Will tell my Soldiers about you also. V/R Perez Family
So so happy for you🎉🏡❤️ Appreciate you:)
Most of the time realtors and lenders keep dragging their feet and you feel like you’re wasting time
#facts
😡 Stop saying realitor!
Never
How much answer the question
😂
Many years ago a mortgage company had great booklets on how to understand the process. Even showed you how to figure out the mortgage payment for the money borrowed and adding the taxes and insurance etc. I read those booklets until i understood them forward and backward. It was the best booklets I read before buying my home. It even talked about paying money to principal only. Plus how some have penalty for early payoff etc. I have no idea if a mortgage company make those booklets anymore. If they don't they should.
I remember those days. Everything is online now but I agree not as good
Appreciate this info thank you very much!
Glad it was helpful!
I tipped of my landlord to the police.
lol
This timely, very helpful & delightfully informative! Thanks again will share!
Thank you:)
Your integrity is so refreshing ❤
Thank you!
Thanks very helpful. Will share!
I have a credit score over 800, low income, no payments lateness ever, no dependants, working in the same industry for over 20 years, a kind a estable cash gig(unreported) and today I was told a need a cosigner because I don't qualify for more than 100.000.
It’s because your income is not reported. Lender has to be able to show ability to repay so we have to go off of income
@@JenniferBeeston Actually my gigs are not reported but my FT salary is.
Jen who pays for the home inspection?
Buyer unless you negotiate for seller to buy I would always recommend buyer so you pick the inspector
In California, $0. There's no such thing as a $400,000 California house.
Lake county
@@JenniferBeeston I was making a political comment rather than a financial one, and you are correct about Lake County. I googled it and there seems to be reasonable homes there for 400K or less. But you're still living under a Communist state government that can and probably will tax you into the poor house.
Great vid
Thank you!
After 19 years at our home we are selling and buying an another home in another state. We are retired and working with a mortgage broker through Zillow. Everything looks good according to the broker we we decided to make an offer. I have no idea what mortgage company we are going to with when we do. We did a cash out refinance last year with Rocket Mortgage, to do some home improvements and it went pretty smoothly. Not sure to stay with the broker or go with Rocket Mortgage again?
Compare both:)
“It’s disgusting”. My thoughts exactly.
The more I watch her, the more grateful I am to be building our new home on our own and with no mortgage.
Financing is not bad at all. You just gotta find your good loan officer. Unless it’s truly extra money parting with that level of cash is usually not better.
@TerryKashat having a home that is paid for with 300,000 equity is never a bad idea. There is no way I would ever finance a home for retail that I can build with cash at half the cost. Not the easiest way to get into a new home, but the fastest way to create equity. Takes longer because we use cash to buy materials, but sweat equity is where the money is earned. Most cannot do that and understand that too, but I actually enjoy building the house, so it's not a problem.
@@mauriceevans6546 yes - when you have the extra cash on hand. I would bet 85% of families don’t have that - therefore they need to finance / mortgage. It’s a no choice situation for most people. They can build to your situation.
Make a video going over loan estimate line by line
Will do. We are ordering a big teaching board which will be perfect for that
not your single twin sister Jennifer helping you out.....lol.
I've been running into this crap all over... Can't finance a cheaper house on someone else's land, and can't afford rent in an apartment, and can't afford to buy a full size house.... So at this point I'm convinced that banks despise poor people 👍
Have you checked out USDA direct loan? It is through USDA and very good. It subsidizes the cost and does below market interest rates.
@@JenniferBeeston USDA loans require the manufactured home to be practically brand new and cannot be on leased land, it has to be on it's own plot... Banks literally make it impossible.... The last one I talked to wanted $17,000 down on a $70,000 manufactured home on leased land... If I had 17,000 to splurge I wouldn't have an issue finding a place to live
Seriously, look into the USDA direct loan. If there’s a house, they often will subsidize it so let’s say the house is 40 K they would have it where your payment would be off of 20 K and reduced interest rates. If you qualify for the program, it’s really interesting so I would suggest you check it out. It’s zero down. But on the lease land front it’s incredibly hard to find financing because with least land you have a very little control. There’s a lot of people who end up in positions where the amount they pay gets increased and they’re stuck and they end up losing everything. So just be super careful with leased land
Whos the lender in chicago???? I'm doing real state "flips" in Illinois! Moved from Cali to IL. Whos the lender? Thanks
We all know I don’t name names, but if you have a real estate agent, that’s sending you an essay about how amazing their preferred lender is and you get a special credit if you work with them, be aware
Great content!
Thank you!
Are builder credits really fake? Are you saying that loans you write have zero closing fees?
A lot of them are. You will see a 15k builder credit if you use their in house lender and then for rate and fee the buyer is being charged 20k and the buyer is still bring in 10+ thousand to closing. We see this all day. I never said I work for free.
Sandy has been so great and has answered all of my questions. We are in the pre-approval process right now and they continue to answer my questions and keep me updated.
I am so happy to hear that:)
My wife and I, we are currently saving towards buying our dream home. We have closed twice before with our first property, when we originally bought and refinance. Just like you mentioned we went with the lender that was recommended to us by our builder. The closing costs is definitely the part that is most uncomfortable since it feels you are at their mercy not knowing if you are being taken advantage of. Thank you for sharing your insight! I can see how giving you a higher rate and extra fees offsets their free money. There’s no such thing as a free meal they say. We will definitely get loan estimates when the time comes! Thank you mam!
Sounds good!
This is so true and the reason why you are our preferred lender. Competitive rates and communication are key to getting our clients into their dream home.
Appreciate you!
Jennifer’s team is truly the best! They care about the client and make sure you are fully written before putting in the offer. This will save you money and make sure you are able to close on your home stress free. As a realtor that has worked with her team many times, I highly recommend working with this team of rockstars!