Buy NOW with FHA or WAIT?
Should you buy a home now with an FHA loan or wait until you have a larger down payment? In this video, we discuss FHA loan requirements in addition to helping you decide when you should consider using FHA and when it’s better to wait. ➡️ FHA Loan Requirements – Mortgage Insurance and Debt To Income – FHA Loan 2025 – https://youtu.be/HEy3L1hvpDo ================================================================================= ✅ – Ready to find the right loan? Start your stress-free journey today: jebsmith.net/start 🏠 – First Time Home Buyer Course – http://www.becominghomewise.com ================================================================================= Connect with me 👇 Jeb Smith (huntington beach Realtor/orange county real estate) DRE 01407449 Real Broker #housingmarket #firsttimehomebuyer #realestate source
Don’t Let This Happen To You ❌
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Buying A Home Just Changed FOREVER
Home buying as you know just flipped upside down. Major changes in 2024 will drastically alter how you navigate the real estate housing market. From new rules requiring buyer agreements to the end of compensation sharing, these updates could have serious consequences when it comes to buying a house. Don’t let these changes catch you off guard—watch now to protect yourself and make informed decisions in this evolving 2024 housing market. ⏩How to Buy a House in 2024 – https://youtu.be/pPzK5gzlOg8 HOME BUYER RESOURCES: 🏠 – First Time Home Buyer Course – http://www.becominghomewise.com ✅ – Work Directly with My Team (Mortgage and Real Estate Nationwide) – http://www.jebsmith.net/referral 📧- Sign Up For My Free Newsletter – https://bit.ly/48LJJp3 🎙- The Educated Home Buyer Podcast – Spotify – https://open.spotify.com/show/3Ho4sTORqrLYlkBwWUkSBA Apple – https://podcasts.apple.com/us/podcast/the-educated-homebuyer/id1611226020 Connect with me 👇 Jeb Smith (huntington beach Realtor/orange county real estate) DRE 01407449 Real Broker ➡I N S T A G R A M ➳ https://www.instagram.com/jebsmith ➡T I K T O K ➳ https://www.tiktok.com/mrjebsmith #housingmarket #firsttimehomebuyer #realestate source
Can You Afford A $1.65M House? 😳
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It’s Started | Higher Interest Rates = More Housing Supply
Mortgage Interest Rates are back above 7% causing housing inventory to grow over 30% year over year. Will this increase in inventory lead to a housing crash? At the same time, we are seeing price reductions stabilize in the normal area leading to price stability. Should you buy now or wait? In this live episode, we are going to discuss the latest regarding inflation, the Federal Reserve, as well the latest employment and economic data while helping you understand how that affects you as a buyer or seller in the 2024 housing market. ⏩ The FED Just FLIPPED Mortgage Rates AGAIN! – https://youtube.com/live/oB0im05IMUM ⏩Higher Inflation Will Lead To Higher Mortgage Rates – https://youtube.com/live/EXwvxoxTta4 ⏩Housing Affordability Is Getting WORSE – https://youtube.com/live/JW6CiiB-248 Tonight’s Slides – Posted inside of our community mentioned below. HOME BUYER RESOURCES: 🏠 – First Time Home Buyer Course – https://bit.ly/4clhsse ✅ – Work Directly with My Team (Mortgage and Real Estate Nationwide) – http://www.jebsmith.net/referral 🆘 – Join Our First Time Home Buyer Community – https://bit.ly/3TVHGKs 📧- Sign Up For My Free Newsletter – https://bit.ly/48LJJp3 🎙- The Educated Home Buyer Podcast – @theeducatedhomebuyer Spotify – https://open.spotify.com/show/3Ho4sTORqrLYlkBwWUkSBA Apple – https://podcasts.apple.com/us/podcast/the-educated-homebuyer/id1611226020 YouTube – http://www.youtube.com/@theeducatedhomebuyer Want to Connect with me 👇 Jeb Smith (huntington beach Realtor/orange county real estate) DRE 01407449 Coldwell Banker Realty ➡I N S T A G R A M ➳ https://www.instagram.com/jebsmith ➡T I K T O K ➳ https://www.tiktok.com/mrjebsmith ➡Local Youtube Channel ➳ https://www.youtube.com/@livinginhuntingtonbeachca source
The FED Cuts Are NOT Working
Mortgage rates are soaring, home prices remain high, and even the Federal Reserve’s rate cuts aren’t bringing relief to buyers. In this video, we uncover the real reasons why mortgages are so expensive, from the hidden impact of Treasury yields to the ripple effects of Quantitative Tightening. If you’re navigating today’s challenging housing market, this breakdown will arm you with the insights you need to make smarter decisions. =============================================== ✅ – Work Directly with My Team – https://workwithourteam.net/WeeklyLive =============================================== Want to Connect with me 👇 Jeb Smith (huntington beach Realtor/orange county real estate) DRE 01407449 Real Broker #HousingMarket #InterestRates #LIVE source
Securing a Home Key Requirements for Qualifying Buyers
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NEW FHA Loan Requirements 2025 – First Time Home Buyer – FHA Loan 2025
Are you a first time home buyer interested in buying with a minimal down payment using FHA? This guide will breakdown the 2025 FHA Loan Requirements to give you everything you need to know about qualifying with an FHA loan . Start Here 👇 ✅ – Work Directly with My Team – https://workwithourteam.net/FHA Watch This Next 👇 ⏩ FHA Income Requirements -https://youtu.be/C7DfwoJXAmg ⏩ FHA Loan Requirements – https://youtu.be/CApGLR5u6j0 ⏩ How much can you afford with FHA? – https://youtu.be/Y28z5i1aBeY ⏩Comparing Monthly Payments on FHA vs Conventional Loan – https://youtu.be/6N-mUJAKTak 0:00 – Who can use an FHA Loan? 0:33 – Busting Myths Around FHA Loans 1:40 – Discussing Overlays On FHA 2:30 – Credit Score & Down Payment Requirements For FHA 3:26 – Closing Costs Requirements for FHA Loans 4:19 – Mortgage Insurance Requirements for FHA 6:26 – Calculating The UFMIP for FHA 7:45 – How Do You Get RID of FHA Mortgage Insurance? 8:22 – Why Pre-Approval Is So Important 9:20 – FHA Debt To Income Ratio Requirements ( Calculating FHA DTI) 12:24 – Types of Properties You Can Finance Using FHA 13:29 – FHA Self Sufficiency Test 14:33 – Why Some Condos Can’t Be Financed With FHA 15:43 – FHA Loan Limits (How Do They Work) 16:40 – FHA Income and Employment Guidelines 18:10 – When Should You Start The Pre-Approval Process? 18:34 – What Documenation Is Required For An FHA Loan? FHA Approved Condo List – https://entp.hud.gov/idapp/html/condlook.cfm FHA County Loan Limits – https://entp.hud.gov/idapp/html/hicostlook.cfm NEW 2024 FHA LOAN LIMITS – Low Cost Areas: One-unit: $524,225 Two-unit: $671,200 Three-unit: $811,275 Four-unit: $1,008,300 High Cost Areas: One-unit: $1,209,750 Two-unit: $1,548,975 Three-unit: $1,872,225 Four-unit: $2,326,875 Jeb Smith DRE 01407449 Real Broker #HousingMarket2025 #RealEstate #FHA source
Zillow and Redfin SUCK….Here’s Why👆🏻
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Do NOT Pay Points When REFINANCING
Paying points is one of the biggest mistakes you can make when refinancing or getting a new mortgage. Paying points to lower your mortgage rate sounds like a smart move—but it’s often a costly mistake! Most homeowners never break even, throwing away thousands on upfront costs they’ll never recover. Before you lock in your interest rate, watch this first to find out why paying points could be draining your wallet instead of saving you money! ➡️A New REFINANCING Opportunity Is On It’s Way! – https://youtu.be/2GZlsxbVGTs HOME BUYER RESOURCES: 🏠 – First Time Home Buyer Course – http://www.becominghomewise.com ✅ – Ready to find the right loan? Start your stress-free journey today: jebsmith.net/start 📧- Sign Up For My Free Newsletter – https://bit.ly/48LJJp3 Connect with me 👇 Jeb Smith (huntington beach Realtor/orange county real estate) DRE 01407449 Real Broker #housingmarket #firsttimehomebuyer #realestate source