The First Time Home Buyer Podcast - How To Buy A Home Laura Moreno

Annika Lynn - Introduction Annika Lynn is a Certified Mortgage Advisor based in South Carolina, with licenses spanning 14 additional states. She specializes in helping first-time home buyers and facilitating VA loans. Annika thrives on guiding clients toward building wealth through real estate and to getting them smoothly to the finish line and into their new home.
Annika Lynn - Summary  
Home Buying Resources Navigating the world of home buying can be overwhelming, especially for first-time buyers. That's why we've compiled a list of valuable resources to guide you through the process seamlessly.
➡️ Referrals: 🌟 Find A Real Estate Agent Near Me: Looking for a trustworthy real estate agent in your area? Our referral service connects you with experienced real estate agents near you, ensuring you have the right expert by your side throughout your home-buying journey. 🌟 Find A Mortgage Broker Near Me: Securing the right mortgage is crucial. Our network of trusted local mortgage brokers near you helps you find the best rates and terms tailored to your financial situation, making your dream home within reach. ➡️ Free Home Buyer Resources: 🌟 Home Buying Checklist: Our comprehensive home buying checklist covers everything you need to consider when buying your first home. From budgeting to inspections, this resource ensures you stay organized and avoid common pitfalls. 🌟 Best Home Buying App: Our app is one of the best home buying apps in the market that simplifies your search, organizes your preferences, and keeps you informed about the latest development on your home buying process. Finding your dream home has never been more convenient. 🌟 Homes For Sale Aggregator: Our aggregator compiles listings from various sources, providing you with a centralized platform to explore available homes. Save time and energy by having all the information you need in one place with our homes for sale aggregator. 🌟 First Home Buyer News: Stay in the know with the best newsletter for first time home buyers  that delivers curated content, market insights, and expert tips directly to your inbox. It's the ultimate resource for staying informed and making informed decisions. 🌟 Smart Home Buyer Calculator: Dive into the best home buyer calculator that includes 4 powerful calculators to help you understand if you should buy a home or not and understand how much exactly it will cost . 🌟 Improve Your Credit Score: Your credit score plays a vital role in the home-buying process. Use our recommended credit score check tool to understand where you stand financially and to improve your credit score so and can pay less on your mortgage. 🌟 Mortgage Interest Rates Today: Your mortgage will be the most expensive cost on owning a home this is why you need to be aware of the mortgage interest rates today and try to get the lowest. ➡️ Social Media ⭐ YouTube: https://www.youtube.com/@iamlauramoreno1
⭐ Instagram: https://www.instagram.com/iamlauramoreno
⭐ Twitter: https://twitter.com/iamlauramoreno
⭐ LinkedIn: https://www.linkedin.com/in/Iamlauramoreno
⭐ TikTok: https://www.tiktok.com/@iamlauramoreno
➡️ Hire Me ⭐ Speaking, Events, Podcast Interviews, Collaborations & Endorsements - info@lauramoreno.com
⭐ Schedule a 1-1 Home Buying Consultation → https://lauramoreno.com/1-1-consultation/
➡️ Contact Laura I'd love to hear from you! If you have a longer question, or if you have a business-related inquiry, please send me an email at info@lauramoreno.com. I try my best to reply to all e-mails but sometimes I do not have enough time to respond to everyone.
➡️ Disclaimer Laura Moreno is not a practicing tax accountant or a licensed attorney or financial adviser. Therefore, the information in these videos shall not be relied upon as tax, legal, or financial advice from a qualified perspective. If you need such advice, please contact a qualified tax accountant, attorney, o

Donovan Reyes - Introduction Donovan Reyes is a real estate agent in Las Vegas. He sells over 100 homes a year to first time homebuyers, investors, professional athletes, and sellers. When he is not selling real estate, he is hanging out with his wife and 4 dogs.
 
Home Buying Resources Navigating the world of home buying can be overwhelming, especially for first-time buyers. That's why we've compiled a list of valuable resources to guide you through the process seamlessly.
➡️ Referrals: 🌟 Find A Real Estate Agent Near Me: Looking for a trustworthy real estate agent in your area? Our referral service connects you with experienced real estate agents near you, ensuring you have the right expert by your side throughout your home-buying journey. 🌟 Find A Mortgage Broker Near Me: Securing the right mortgage is crucial. Our network of trusted local mortgage brokers near you helps you find the best rates and terms tailored to your financial situation, making your dream home within reach. ➡️ Free Home Buyer Resources: 🌟 Home Buying Checklist: Our comprehensive home buying checklist covers everything you need to consider when buying your first home. From budgeting to inspections, this resource ensures you stay organized and avoid common pitfalls. 🌟 Best Home Buying App: Our app is one of the best home buying apps in the market that simplifies your search, organizes your preferences, and keeps you informed about the latest development on your home buying process. Finding your dream home has never been more convenient. 🌟 Homes For Sale Aggregator: Our aggregator compiles listings from various sources, providing you with a centralized platform to explore available homes. Save time and energy by having all the information you need in one place with our homes for sale aggregator. 🌟 First Home Buyer News: Stay in the know with the best newsletter for first time home buyers  that delivers curated content, market insights, and expert tips directly to your inbox. It's the ultimate resource for staying informed and making informed decisions. 🌟 Smart Home Buyer Calculator: Dive into the best home buyer calculator that includes 4 powerful calculators to help you understand if you should buy a home or not and understand how much exactly it will cost . 🌟 Improve Your Credit Score: Your credit score plays a vital role in the home-buying process. Use our recommended credit score check tool to understand where you stand financially and to improve your credit score so and can pay less on your mortgage. 🌟 Mortgage Interest Rates Today: Your mortgage will be the most expensive cost on owning a home this is why you need to be aware of the mortgage interest rates today and try to get the lowest. ➡️ Social Media ⭐ YouTube: https://www.youtube.com/@iamlauramoreno1
⭐ Instagram: https://www.instagram.com/iamlauramoreno
⭐ Twitter: https://twitter.com/iamlauramoreno
⭐ LinkedIn: https://www.linkedin.com/in/Iamlauramoreno
⭐ TikTok: https://www.tiktok.com/@iamlauramoreno
➡️ Hire Me ⭐ Speaking, Events, Podcast Interviews, Collaborations & Endorsements - info@lauramoreno.com
⭐ Schedule a 1-1 Home Buying Consultation → https://lauramoreno.com/1-1-consultation/
➡️ Contact Laura I'd love to hear from you! If you have a longer question, or if you have a business-related inquiry, please send me an email at info@lauramoreno.com. I try my best to reply to all e-mails but sometimes I do not have enough time to respond to everyone.
➡️ Disclaimer Laura Moreno is not a practicing tax accountant or a licensed attorney or financial adviser. Therefore, the information in these videos shall not be relied upon as tax, legal, or financial advice from a qualified perspective. If you need such advice, please contact a qualified tax accountant, attorney, or financial adviser. We have taken reasonable steps to check that the information in this video is accurate but we cannot repr

Assumable Mortgages 101 with Michael Lorino - Summary Michael Lorino is the founder and CEO of AssumeList, a site where you can see Assumable Mortgages. A military veteran with over 15 years of real estate experience, Michael recognized the coming affordability crisis with rising interest rates and wondered how homebuyers could more easily find homes for sale with assumable loans. As he researched, he realized that no search tool existed, so he created AssumeList with the goal of making homes with assumable loans more accessible. Michael lives with his family in Alexandria, VA and enjoys spending time with his wife of 17 years and two young children.
Meeting Notes Veteran's Real Estate Journey and Challenges Michael Lorino, a recently retired military veteran and real estate agent with over 15 years of experience, shared his journey into the real estate business and his passion for helping families buy and sell homes. He explained that he and his wife divide their work roles, with Michael Lorino focusing on buyer transactions and his wife handling listings. They also discussed the challenges of managing their business and family life, especially during the busy spring market. Michael Lorino shared that their children sometimes accompany them to clients and participate in home showings, and that his mother helps with childcare when needed. Michael Lorino also highlighted the impact of rising interest rates on the mortgage industry, noting that current rates are around 6.5% to 7%, a significant increase from a few years ago. Assumable Mortgages: Benefits and Legality Michael Lorino and Laura discussed the concept of assumable mortgages, where a buyer can take over a seller's existing mortgage terms, including the interest rate. Michael Lorino explained this could be beneficial for buyers, as they could avoid taking out a new mortgage and save money on closing costs as they wouldn't need an appraisal or a new lender's title insurance policy. Laura highlighted that this could be especially useful for those buying homes with low, assumable mortgages. Michael Lorino confirmed that such mortgages are legal and are typically government-guaranteed. He further clarified that VA, FHA, and USDA loans are all assumable. Assumable Mortgages: Benefits and Challenges Michael Lorino discussed the potential benefits of assuming a mortgage on a new home, using a specific example of a military couple who were able to save significantly by assuming a loan with a lower interest rate. Michael Lorino emphasized that while this option can be beneficial, it may not be suitable for everyone. Laura expressed interest in how to find properties with assumable loans and whether she needed to be a VA veteran to qualify. Michael Lorino explained that only a small percentage of homes for sale have assumable mortgages, and they are typically government-backed loans. He also introduced a new search platform to help potential buyers find these types of properties. Mortgage Down Payment Requirements Discussed Michael Lorino explained the down payment requirements for mortgages, noting that it varies from property to property based on the current loan balances and the sales price. He illustrated this with an example of a $500,000 home where the existing owner's loan balance was $400,000, requiring a down payment of $100,000. However, he also highlighted that the length of time the previous owner had owned the property and the initial down payment they made could affect the feasibility of assuming the mortgage. Laura agreed, emphasizing the need to pay attention to the loan balance and sales price. Michael Lorino further explained that while some lenders offer a second mortgage option to cover the difference, it's not very common and buyers typically need to come up with at least 5% of the sales price as a down payment. Assumable Mortgages: Awareness and Challenges Laura and Michael Lorino discussed the lack of awareness about assumable mort

FHA 203k Loan Requirements - Introduction Andrew Winnard is a certified home inspector based in Maryland and HUD 203K consultant that takes great pride in the fact that he is able to work with home buyers to take advantage of one of the most powerful loan programs offered to the public.
 
Home Buying Resources Navigating the world of home buying can be overwhelming, especially for first-time buyers. That's why we've compiled a list of valuable resources to guide you through the process seamlessly.
➡️ Referrals: 🌟 Find A Real Estate Agent Near Me: Looking for a trustworthy real estate agent in your area? Our referral service connects you with experienced real estate agents near you, ensuring you have the right expert by your side throughout your home-buying journey. 🌟 Find A Mortgage Broker Near Me: Securing the right mortgage is crucial. Our network of trusted local mortgage brokers near you helps you find the best rates and terms tailored to your financial situation, making your dream home within reach. ➡️ Free Home Buyer Resources: 🌟 Home Buying Checklist: Our comprehensive home buying checklist covers everything you need to consider when buying your first home. From budgeting to inspections, this resource ensures you stay organized and avoid common pitfalls. 🌟 Best Home Buying App: Our app is one of the best home buying apps in the market that simplifies your search, organizes your preferences, and keeps you informed about the latest development on your home buying process. Finding your dream home has never been more convenient. 🌟 Homes For Sale Aggregator: Our aggregator compiles listings from various sources, providing you with a centralized platform to explore available homes. Save time and energy by having all the information you need in one place with our homes for sale aggregator. 🌟 First Home Buyer News: Stay in the know with the best newsletter for first time home buyers  that delivers curated content, market insights, and expert tips directly to your inbox. It's the ultimate resource for staying informed and making informed decisions. 🌟 Smart Home Buyer Calculator: Dive into the best home buyer calculator that includes 4 powerful calculators to help you understand if you should buy a home or not and understand how much exactly it will cost . 🌟 Improve Your Credit Score: Your credit score plays a vital role in the home-buying process. Use our recommended credit score check tool to understand where you stand financially and to improve your credit score so and can pay less on your mortgage. ➡️ Social Media ⭐ YouTube: https://www.youtube.com/@iamlauramoreno1
⭐ Instagram: https://www.instagram.com/iamlauramoreno
⭐ Twitter: https://twitter.com/iamlauramoreno
⭐ LinkedIn: https://www.linkedin.com/in/Iamlauramoreno
⭐ TikTok: https://www.tiktok.com/@iamlauramoreno
➡️ Hire Me ⭐ Speaking, Events, Podcast Interviews, Collaborations & Endorsements - info@lauramoreno.com
⭐ Schedule a 1-1 Home Buying Consultation → https://lauramoreno.com/1-1-consultation/
➡️ Contact Laura I'd love to hear from you! If you have a longer question, or if you have a business-related inquiry, please send me an email at info@lauramoreno.com. I try my best to reply to all e-mails but sometimes I do not have enough time to respond to everyone.
➡️ Disclaimer Laura Moreno is not a practicing tax accountant or a licensed attorney or financial adviser. Therefore, the information in these videos shall not be relied upon as tax, legal, or financial advice from a qualified perspective. If you need such advice, please contact a qualified tax accountant, attorney, or financial adviser. We have taken reasonable steps to check that the information in this video is accurate but we cannot represent that it is free from errors. You expressly agree not to rely upon any information contained in this video - it is for entertainment purposes only. This video descriptio

Introduction Chastin J. Miles is a real estate agent who focuses on Dallas properties. He specializes in various types of real estate, like houses, condos, commercial buildings, and luxury rentals. Chastin J. Miles and his team aim to change the way people think about real estate transactions. They go above and beyond what typical agents do. Chastin J. Miles wants to be more than just a real estate agent. He wants to help people understand their local communities better. He also offers services in design, marketing, and sales for buyers, sellers, developers, and investors.
Home Buying Resources Navigating the world of home buying can be overwhelming, especially for first-time buyers. That's why we've compiled a list of valuable resources to guide you through the process seamlessly.
➡️ Referrals: 🌟 Find A Real Estate Agent Near Me: Looking for a trustworthy real estate agent in your area? Our referral service connects you with experienced real estate agents near you, ensuring you have the right expert by your side throughout your home-buying journey. 🌟 Find A Mortgage Broker Near Me: Securing the right mortgage is crucial. Our network of trusted local mortgage brokers near you helps you find the best rates and terms tailored to your financial situation, making your dream home within reach. ➡️ Free Home Buyer Resources: 🌟 Home Buying Checklist: Our comprehensive home buying checklist covers everything you need to consider when buying your first home. From budgeting to inspections, this resource ensures you stay organized and avoid common pitfalls. 🌟 Best Home Buying App: Our app is one of the best home buying apps in the market that simplifies your search, organizes your preferences, and keeps you informed about the latest development on your home buying process. Finding your dream home has never been more convenient. 🌟 Homes For Sale Aggregator: Our aggregator compiles listings from various sources, providing you with a centralized platform to explore available homes. Save time and energy by having all the information you need in one place with our homes for sale aggregator. 🌟 First Home Buyer News: Stay in the know with the best newsletter for first time home buyers  that delivers curated content, market insights, and expert tips directly to your inbox. It's the ultimate resource for staying informed and making informed decisions. 🌟 Smart Home Buyer Calculator: Dive into the best home buyer calculator that includes 4 powerful calculators to help you understand if you should buy a home or not and understand how much exactly it will cost . 🌟 Improve Your Credit Score: Your credit score plays a vital role in the home-buying process. Use our recommended credit score check tool to understand where you stand financially and to improve your credit score so and can pay less on your mortgage. ➡️ Social Media ⭐ YouTube: https://www.youtube.com/@iamlauramoreno1
⭐ Instagram: https://www.instagram.com/iamlauramoreno
⭐ Twitter: https://twitter.com/iamlauramoreno
⭐ LinkedIn: https://www.linkedin.com/in/Iamlauramoreno
⭐ TikTok: https://www.tiktok.com/@iamlauramoreno
➡️ Hire Me ⭐ Speaking, Events, Podcast Interviews, Collaborations & Endorsements - info@lauramoreno.com
⭐ Schedule a 1-1 Home Buying Consultation → https://lauramoreno.com/1-1-consultation/
➡️ Contact Laura I'd love to hear from you! If you have a longer question, or if you have a business-related inquiry, please send me an email at info@lauramoreno.com. I try my best to reply to all e-mails but sometimes I do not have enough time to respond to everyone.
➡️ Disclaimer Laura Moreno is not a practicing tax accountant or a licensed attorney or financial adviser. Therefore, the information in these videos shall not be relied upon as tax, legal, or financial advice from a qualified perspective. If you need such advice, please contact a qualified tax accountant, attorney, or financial

Introduction – Amanda Shepherd Amanda Shepherd is a real estate broker in Seattle-Tacoma with Compass. She's the recipient of the Tacoma-Pierce County Association of Realtors Rookie of the Year award in 2022, and is passionate about helping first time home buyers achieve their goals. When she's not working, she's volunteering at local organizations like Rebuilding Together, the South Sound, her local Chamber of Commerce, or exploring the best Pacific North West hiking trails with her 8 year old daughter, Dylan.
 
Home Buying Resources Navigating the world of home buying can be overwhelming, especially for first-time buyers. That's why we've compiled a list of valuable resources to guide you through the process seamlessly.
➡️ Referrals: 🌟 Find A Real Estate Agent Near Me: Looking for a trustworthy real estate agent in your area? Our referral service connects you with experienced real estate agents near you, ensuring you have the right expert by your side throughout your home-buying journey. 🌟 Find A Mortgage Broker Near Me: Securing the right mortgage is crucial. Our network of trusted local mortgage brokers near you helps you find the best rates and terms tailored to your financial situation, making your dream home within reach. ➡️ Free Home Buyer Resources: 🌟 Home Buying Checklist: Our comprehensive home buying checklist covers everything you need to consider when buying your first home. From budgeting to inspections, this resource ensures you stay organized and avoid common pitfalls. 🌟 Best Home Buying App: Our app is one of the best home buying apps in the market that simplifies your search, organizes your preferences, and keeps you informed about the latest development on your home buying process. Finding your dream home has never been more convenient. 🌟 Homes For Sale Aggregator: Our aggregator compiles listings from various sources, providing you with a centralized platform to explore available homes. Save time and energy by having all the information you need in one place with our homes for sale aggregator. 🌟 First Home Buyer News: Stay in the know with the best newsletter for first time home buyers  that delivers curated content, market insights, and expert tips directly to your inbox. It's the ultimate resource for staying informed and making informed decisions. 🌟 Smart Home Buyer Calculator: Dive into the best home buyer calculator that includes 4 powerful calculators to help you understand if you should buy a home or not and understand how much exactly it will cost . 🌟 Improve Your Credit Score: Your credit score plays a vital role in the home-buying process. Use our recommended credit score check tool to understand where you stand financially and to improve your credit score so and can pay less on your mortgage. ➡️ Social Media ⭐ YouTube: https://www.youtube.com/@iamlauramoreno1
⭐ Instagram: https://www.instagram.com/iamlauramoreno
⭐ Twitter: https://twitter.com/iamlauramoreno
⭐ LinkedIn: https://www.linkedin.com/in/Iamlauramoreno
⭐ TikTok: https://www.tiktok.com/@iamlauramoreno
➡️ Hire Me ⭐ Speaking, Events, Podcast Interviews, Collaborations & Endorsements - info@lauramoreno.com
⭐ Schedule a 1-1 Home Buying Consultation → https://lauramoreno.com/1-1-consultation/
➡️ Contact Laura I'd love to hear from you! If you have a longer question, or if you have a business-related inquiry, please send me an email at info@lauramoreno.com. I try my best to reply to all e-mails but sometimes I do not have enough time to respond to everyone.
➡️ Disclaimer Laura Moreno is not a practicing tax accountant or a licensed attorney or financial adviser. Therefore, the information in these videos shall not be relied upon as tax, legal, or financial advice from a qualified perspective. If you need such advice, please contact a qualified tax accountant, attorney, or financial adviser. We have taken reasonable steps to check that the