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How To Choose The Best Mortgage Lender (First Time Home Buyers)

Win The House You Love 280 views

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What mic do you have?!
Comment from : @aboitoo

I’m writing everything step by step Thank you for this information video
Comment from : @gmc911er

This is pure gold of details, I can relate in my case as first time home buyer how it goes through and all the challenges I am facing currently, due to my home builder is paying 3 in closing and I must go with their preferred lender, other I would not spend a single minute with their preferred lender as they literally have no interest in educating me or customer first policy seems, I feel frustrated and need to just keep myself up to date by watching multiple YT videos! Thank you for sharing all the details here
Comment from : @purvakmistry2128

What lenders should I go for
Comment from : @2502860

Thank you!! Great layout, and format Learned a lot, you’re a great teacher with a heart of gold
Comment from : @nranay7_

I like he said they need to teach you and explain things to you
Comment from : @cathyzhang2769

Didn't use a mortgage broker because his office was filled with safari murder pics that made me hate him immediately
Comment from : @heathersumner4766

I feel very jaded when it comes to legal stuff and feel extremely uncomfortable like scared stiff when i have to trust other people I've been side swiped one too many times through legalities I appreciate that you are thorough but i may just need to get my mortgage license so I don't feel so vulnerable
Comment from : @denatipton2103

Is this ASMR?
Comment from : @plum4620

If I would have known this 45 day inquiry rule with mortgages, I would have solicited with other financial institutions🤦🏻‍♂️brbrGood to know for next time
Comment from : @antonioreyes2692

Thank you, cool guy!
Comment from : @rooch11

Your voice and informative videos made me feel less stressed while under contract I watch your vids before bedtime Thanks!
Comment from : @Ebaybeu

goods
Comment from : @N-uw2yr

Great video So how can you find a lender who close on time? What time frame do you need to close a house? 30 days?
Comment from : @fredswartley9778

What software allows you to split screen and draw on that page? Genuinely want to know!
Comment from : @juliaandrealestate

So glad I came across this video My husband was starting to think he was crazy or unreasonable because he felt our agent’s in-house lender wasn’t doing a proper job at informing us about the full picture and we had to bug them to give us a LE beforehand because they insisted they don’t until you’re in escrow and they also said they couldn’t do an itemized fee worksheet (or any kind of worksheet at all) We talked to another lender who happily provided us with an itemized fee worksheet and told us that the in-house lender should’ve been able to provide us with something Kind of gave us a sour feeling that they were only able to accommodate our LE request because we pushed for it
Comment from : @sucelyduransamaniego

Your voice is so soothing
Comment from : @AishaTheTraveler

Ty, I’m going through this process right now and it’s overwhelming not knowing what to ask Helped me tremendously!
Comment from : @WorryDontAbout

OMG! Thank you so much for this I was so lost about this and trying to do research I’m not a great numbers person so this really helped me feel more confident about what I’m doing Thank you!
Comment from : @rilema05

you're incredible, the encouraging and de-stressing way you teach super presentation and delivery and of course subject matter this was so helpful and informative, so appreciated, thank you your vids are always so genuine
Comment from : @michaelpaul5801

WHAT IS GOOD LENDER FEE? HOW WOULD I KNOW WHAT OTHERS ARE CHARGING? brDO I HAVE TO STICK TO THAT LENDER JUST BECAUSE MY REALTOR RECOMMENDED HER/HIM?brWHAT IS A PERFECT LENDER FOR 1ST TIME HOMEBUYERS?
Comment from : @SCSC-qz7rr

Thank you for this video In order to compare all the 3 lending options, do I have to go through the whole pre approval process with each one? Or is there another way to compare specifically page 3?the total cost in 5 years?
Comment from : @GabrielJarelys

Does the 45 day rule still in place? I’m reading online on several sites it’s 14 days Just want to be sure before I get too many inquiries Thanks !!!!
Comment from : @isaachernandez7619

Credible requests a 5 down payment before processing your online form request!
Comment from : @ashburnconnecttv7860

Don’t comment on videos usually but I’m a realtor and like to look at videos before I interview lenders that I haven’t met before and this guy hits all the marks Would definitely recommend for buyers and real estate agents!
Comment from : @mikeybonz34

Great video, thanks for posting
Comment from : @TheB00Man

Great video!
Comment from : @nr9293

It will count as one inquiry but does this mean it will still show up on your credit report?
Comment from : @staylowkeynyc2762

is a loan officer and broker the same?
Comment from : @akila219

My officer is ghosting me not returning calls on this foreclosure and its time for him to go thanks for the information time to get on the phone and shop
Comment from : @1977raider

Awesomeness
Comment from : @fabianozennmusic

Thanks for all the great info Is it normal for buy down points to change daily? Was quote 1700 one and 3100 the next day to buy down Is there a standard cost to buy down points?
Comment from : @buckbuffaloe

Don’t you get a broker assigned to you from the bank that your getting the bank loan from ?
Comment from : @Classy_Lady23

So awesome man Thank you so much 🔥
Comment from : @IsaiahWG24

Thank you so much I was feeling so overwhelmed by this process 🙏
Comment from : @namastayhere8179

Very helpful Thank you, sir!
Comment from : @staygroovybritt

Question: Do we have to still pay those section A cost even if we end up not going with that Mortgage lender? Or are those origination fees only applicable should we choose to take up a loan from them?
Comment from : @rubxni

What do think about Rocket Mortgage?
Comment from : @bringit3164

Very well presented Thanks for providing with clarity
Comment from : @atlantaluxuryhomesforsale

Thanks for posting!! Appreciate the practicality and unbiased nature of this Makes the whole process seem more manageable for a first time buyer
Comment from : @scott9458

Great video!! Thank you brQ: what information it should be on a pre-approval letter?
Comment from : @alejandromorales5822

Mortgage is a Death pledge and it's Against the Law
Comment from : @kobiemack6542

Is the credible link an affiliative link?
Comment from : @satvindersihra9038

Please confirm if the window for “multiple credit checks to be counted as single enquiry” is 45 days or just 14 days
Comment from : @kedarbothe

Thank you so much!!! You’re the best!!
Comment from : @yuliskarodriguez7892

Excellent, well done! Mortgage brokers shoud be doing 70 of residential transactions if consumers take your info to heart!
Comment from : @malapasqua71

Hi!! You’re my first new home guru! I just tried to apply on Credible but was stopped as they’re not in NY 😱😭 … Are you able to provide another search engine please? Thanks in advance!
Comment from : @sammiecheco6239

Is there anything you can tell me about cv19/unemployment far as employment history? Is there any acception (s) for the 2 yrs being self employed requirements on a USDA loan??
Comment from : @stephanief3506

Realtors pressure buyers to use the agent's preferred lender
Comment from : @jvolstad

i didn’t learn this in school but i did learn PEMDAS
Comment from : @aydenmundy2060

QuestionI'm thinking a good lender should know the 45 day rule on pulling mortgage credit info I've encountered several who didn't What is your opinion on that? Thanks Kyle!
Comment from : @nuckingfuts3017

Thank you doesn't even seem like a good enough word lol but Thank You!! Question: what is a good approach to switching loan officers but staying with the same lender?
Comment from : @elizabethayoroa6021

First time homebuyer here, I’m glad I watched this video
Comment from : @javierportillo8945

am self-employed My lender uses my last year of income The problem is that I recently filled my taxes and they are still processing At closing time they ask me for transcripts, and I am not able to get them Something that I can do?
Comment from : @Jmedinamasque

Hello, I used your recommendation to use a lender you recommended, and I was advised that my 700k pre-approval ended up with 525k from your recommended lender
Comment from : @marvinbell494

nice
Comment from : @patriciabyrge4817

Your videos are very useful and provide lots of information I have received lots of help from your posts, please continue to share this kind of information Thank you
Comment from : @josephdennyy3104

I am currently in escrow and my Realtor has been pushing me to use her preferred lender (dual agency transaction) I decided to go with my own lender because I noticed that she and her preferred lender would communicate but not loop me in (& I found loans with fees and rates that were just as good) brAfter informing my realtor and her preferred lender that I would be going with my own lender she quickly called expressing her concern because for whatever reason, a big part of why the seller chose our offer was because we would be using the same lender thoughts?
Comment from : @thecaroconcept

I was told that it is a 14-day max after the first pull Can someone confirm?
Comment from : @1John3_8

I got pulled before my previous pre approval expired to see what I'd be approved for at new rates is that normal?
Comment from : @tiffanyjoseph9887

This video I EXTREMELY informative! Thanks for doing this
Comment from : @audleymattos6262

But all the shopping is showing as individual inquiries, not just one
Comment from : @ChristineCorey

Is it ok to let them know you already got a preapproval and are shopping around? Maybe puts pressure on them to give you their best deal as competition?
Comment from : @ewlinitis

Kyle is this information still applicable? Time length of credit inquiries etc?
Comment from : @mellissahawkins9788

Thank you for the break down on this This all is so new to me My fiancé and I are first time home buyers and we are learning so much every day with this whole process!! Like today, we just learned we can shop around for multiple lenders I thought the one lender we have, we are stuck with So now I’m on a hunt for 3-4 different lenders and I will be comparing them all and see which better fits us Thankful for your help! New sub 😁
Comment from : @demiisanchez

I'm a new subscriber and I love your demeanor and willingness to help Do you have a video that will help us find lender's who accept a 500 credit score for fha loans? Thank you so much!
Comment from : @69holford

It's almost relaxing watching your videos, thank you for not yelling at the camera
Comment from : @HEARTAEMOXA

Oh my gosh! I wish I would have found you 60 days ago (or more) So many lessons Thanks for your videos!
Comment from : @speakempathynaomirieger8083

Great info! Ty ty
Comment from : @ayannasellsnewhomestexas

Really appreciate the Calm Moment you did!
Comment from : @okashi10

Your videos have been so helpful to me! I've been going thru them with each step of my homebuying process
Comment from : @okashi10

This was such an awesome video, very informative Thanks so much
Comment from : @sierramanning9276

Loans From $10K - $5M currently available at 3 interest rate only brApply now
Comment from : @lucasgrant2871

I lost interest at the paid promotion
Comment from : @aaronmarroquin2636

what abt rules/regulations on leasing an office space, that i mortgage, to a cannabis retailer? like can you lease out an office/retail space that is part of a building that is currently under mortgage?
Comment from : @glenjenkins1885

Can I use this info for refinance Having a lot of problems finding lenders
Comment from : @rhodestolearningbyjoann1962

hi Very good information here, thanks so much A question I have is, do you need to pay fro Appraisal 3 times if you apply to 3 different lenders?
Comment from : @osmanitellez9729

Is it a bad sign if a lender tries to make you feel like they’re your only option or is that just business? Particularly, a real estate agent’s preferred lender
Comment from : @jaysant6958

Man, you are teaching good stuff!! What happens when you miss out on your house purchase because of the loan Company takes too long? How much money will you lose ?
Comment from : @SnapLifeQuotes

I love your videos! Very informative 👏
Comment from : @marivelguerrero6588

Im just starting to research about buying house So if you’re going to do FHA/USDA loan Do you do it with them or you ask the lenders?
Comment from : @CloudSky_

You are awesome at explaining the processbrThank you!!
Comment from : @marisolquiroz3211

Kyle what are points?
Comment from : @HollisKevin

My credit pull this month (Nov '21) cost me 7 points of credit score
Comment from : @HiroNguy

Hey thanks for this amazing video I was wondering if overtime count towards my income Also, I just started a new job as a nurse 3 months, can I qualify for a mortgage if I coapply with my husband that has a longer work history?
Comment from : @momosalami5337

Thank you! I'm Glad I clicked your video
Comment from : @doughboy914

Hi, what is the mic are your using?
Comment from : @mohammedislam8842

Thank you for the vedio I am shopping for a loan but my lenders all want me to sign disclosures Do I need to finish shopping and choose one lend to sign the disclosures with or can I sign disclosures with different banks (they choose different title companies as well) and continue this shopping process after signing the disclosures?
Comment from : @zhixiangtu6013