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Ready to Buy Your First House? Watch these videos & Visit my playlists!
⭐8 Steps to Buy a House -    • How to Buy A House | Buying a House f...  
⭐ Where Should You Start? -    • First Time Homebuyer CHECKLIST | Firs...  
⭐ Most Important People in the Home Buying Process -    • Home Buying Process - Who Does What? ...  
⭐ What is Included in your Mortgage Payment:    • What is included with your mortgage p...  
⭐New Construction -    • First Time Buyer New Construction | F...  
⭐FHA or Conventional -    • Which is better FHA or Conventional F...  
⭐Buying a House with Student Loans -    • Buying a House with Student Loans | S...  
⭐7 Day Perfect Credit Plan -    • My ONE WEEK PLAN - How to get a Perfe...  
⭐Can you afford a house: DTI Ratio -    • How Much Home Can I Afford | How to C...  
⭐What happens at closing -   • What Happens During a Closing on a Ho...  
⭐NACA Home Buying Program -   • NACA | NACA Program | NACA Home Buyin...  
⭐Should I Rent or Buy? -    • Should I BUY a HOUSE OR RENT? (WATCH ...  
⭐ Get Your Real Estate License Online-    • How to Get Your Real Estate License O...  
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0:00 - Today's Topic
1:24 - Buying a House as a Couple
2:53 - Couples having Different Credit Scores
4:10 - One Person on Mortgage / One Person on Deed
5:47 - Next Step after Underwriting
6:54 - When Calculating DTI as a Couple, Do we Combine all the Bills & Gross Income?
8:53 - Having Car Debt vs Not having Car Debt on your Credit
11:24 - What to do if Fiancé has purchased a Home in the Distant Past?
13:18 - Ideal DTI to Qualify for a Mortgage as a Couple
14:30 - Credit Score used for Closing on a Home with Fiancé
16:24 - Conventional Loan vs FHA Loan
17:17 - Recommended Loan while having an Excellent Credit Score
19:37 - Why is the Lowest Credit Score Counted?
20:39 - Should we Wait to Purchase a Home due to the High Interest Rates?
23:02 - One Person being on the Mortgage and Other being on the Deed
24:21 - Should we wait for the Pre-Approval Letter before House Hunting?
25:25 - Applying for a First Time Home Buyers Program as a Couple
28:14 - FICO Score being Higher than other Credit Score
30:32 - Should we be Moving our Money Around in the Current Housing Market?
31:58 - Difference between Pre-Qualified and Pre-Approved
34:06 - How much is a Mortgage on a 525000 House?
34:41 - Benefits of only Putting One Spouse on the Mortgage if both could Pre-Qualify
37:32 - Forever Home vs Temporary Home
41:16 - Does the Lender Approved Amount Change on Building vs Buying a Home?
45:12 - What to do in the Forbearance Program for Property if you can't Pay in Bulk?
47:08 - Should we wait for Student Loan to be Erased to Start Pre-Approval Process for DTI?
49:33 - Getting a House with Low Credit Score
51:15 - Does the Higher and Lower Credit Score of a Couple Impact the Loan Approval?
52:14 - Is it a Good Time to Buy?
55:03 - Holding Closing Cost Fees to Roll it over onto the Mortgage Payment
57:22 - Building Credit under Ch. 13 Filing if Applying for a Secured Card
59:37 - Qualifying Process for a Couple to Buy an Investment Property as First Property vs a Home to Live in
1:03:05 - Outro