Hi! I’ve been following for the last year and your videos helped me be prepared to buy my house in this horrible market. I close on 12/30 and I’m so excited!!! I’m so grateful for all your great information! I bought your tools too which helped even more. Your channel provided the most comprehensive information I could find and it’s FREE! I went through the FreddieMac homeowner prep course and I knew pretty much everything already because of your videos. All that to say you are an amazing valuable resource and I’m grateful for the work you put into your videos, channel and tools. THANK YOU!!! 🎉
@wanji14
Жыл бұрын
I close on 12/30 tooo. Congratulations 🎊 👏🏾
@wanji14
Жыл бұрын
I paid more in rent this past 2 years
@WinTheHouseYouLove
Жыл бұрын
I just recorded a personal video reply for you: share.descript.com/view/3x7AKWyZKVB
@jackielerock8727
Жыл бұрын
@@wanji14 congratulations to you too! I thought I was the only crazy one going through this process during the holidays 🤣🤣🤣
@jackielerock8727
Жыл бұрын
@@WinTheHouseYouLove thanks Kyle. Congratulations on your house too!
@neutralsportsfan17
Жыл бұрын
Thanks for the reality check at 0:36! It just doesn't make sense to buy in my area the mortgage payment is $1K+ more a month than rent even with 20% down on the exact same house/townhouse. Congrats on your new house!
@WinTheHouseYouLove
Жыл бұрын
I just recorded a personal video reply for you: share.descript.com/view/n5XsxOVdBXA Feel free to email me at kyle@winthehouseyoulove.com
@Machenziethemodel
Жыл бұрын
My same thought.
@env1233
Жыл бұрын
This is fantastic, thank you. I have to move next year due to a military assignment, and while it's not keeping me up at night, the eventual decision of "buying or renting" has been on my mind a ton lately.
@WinTheHouseYouLove
Жыл бұрын
I just recorded a personal video reply for you: share.descript.com/view/nDjW9p3U0oh Feel free to email me at kyle@winthehouseyoulove.com
@mslady3094
Жыл бұрын
Congratulations on your new home. I wondered why there hasn't been a video from you in a while.
@WinTheHouseYouLove
Жыл бұрын
Thank you!
@VauveAnais
Жыл бұрын
Thank you, I really needed this. People keep trying to scare me into either buying before spring or not buying at all right now because of rates.
@WinTheHouseYouLove
Жыл бұрын
💪 Best of luck!
@AsIs2884
Жыл бұрын
Oh im definitely buying as soon as I'm able, renting is making the decision very easy.
@WinTheHouseYouLove
Жыл бұрын
I just recorded a personal video reply for you: share.descript.com/view/BtOpf2wVdZB Feel free to email me at kyle@winthehouseyoulove.com Schedule a call with my team: www.winthehouseyoulove.com/lender
@AsIs2884
Жыл бұрын
@@WinTheHouseYouLove omg this was so special! (I don't care if you did for everyone else lol) video message response!? Oh you are changing the game with this one🤗 but I am going to email you because I need to give you the whooooooole breakdown of my current home buying situation🙏🏾
@emarti3419
Жыл бұрын
Just saw the vid, congrats!!! Welcome to home ownership. Good to see someone practicing what they preach, & ya did it in this crazy market time no less. Super excited for ya. Still on the fence on the ‘stache though, 😂
@WinTheHouseYouLove
Жыл бұрын
The 'stache stays!! Good to see you here Erik, thanks for your support as always!
@emarti3419
Жыл бұрын
@@WinTheHouseYouLove 😆, I may take the goatee off again meself, we’ll see. It does help with the Midwest winter wind! Keep helping folk. Glad my story along with others have helped along the way.
@pattyolsson
Жыл бұрын
Congratulations!! Very happy for you & I’m sure you are ecstatic!! Keep making these videos and I enjoy your “calm moments”.
@WinTheHouseYouLove
Жыл бұрын
I just recorded a personal video reply for you: share.descript.com/view/1x2dfdBy2yu Feel free to email me at kyle@winthehouseyoulove.com
@coryburright1883
Жыл бұрын
Should people be afraid to buy? So many out there saying don’t buy a home , banks are closing. Could you do a video about these fears?
@ellismckinney4888
Жыл бұрын
Higher interest rates and inflation will effect sales and slowing everything... I got very lucky and purchased a fixer upper in 2020 low rate FHA. Ty great service show❤🎄🌴
@WinTheHouseYouLove
Жыл бұрын
For sure! Congrats on your purchase!!
@olgacontreras1409
Жыл бұрын
Congratulations!!! So happy for you! Are you going to show us your new place?
@WinTheHouseYouLove
Жыл бұрын
Thanks!! Maybe once it's fully decorated haha. Still have A LOT to set up
@missrachelrue
Жыл бұрын
Literally the best video for this current market! Thank you!!!
@WinTheHouseYouLove
Жыл бұрын
Wow! Thanks!
@Nurseaholic
Жыл бұрын
Great video! Your rules are helpful to make my finial decision if I’ll purchase or wait.
@ellismckinney4888
Жыл бұрын
As low as you can get! Look at builders specials and FHA Usda, most of all it's a buyers market so go for reduction in price. If and if we get sain financial leadership you can refinance then. Dont sit out the spring market it is great on south west most everywhere its slowing sales. Good luck.
@jackielerock8727
Жыл бұрын
I second that advice. I got a new build and they bought down my interest rate by paying for the points through incentives they were offering.
@WinTheHouseYouLove
Жыл бұрын
I just recorded a personal video reply for you: share.descript.com/view/5QM3TNvKnpm Feel free to email me at kyle@winthehouseyoulove.com
@OneBubblez108
Жыл бұрын
Thank you so much. I have been following you before I purchased my house summer of 2021. Your video helped me so much. Keep up the good work. :)
@WinTheHouseYouLove
Жыл бұрын
Awesome! Thank you!
@myson04
Жыл бұрын
I needed this! Thank you for reassuring some of us on buying in today's market
@WinTheHouseYouLove
Жыл бұрын
My pleasure!
@1TruthBalance
Жыл бұрын
Congratulations on purchasing your home!! 🎊
@WinTheHouseYouLove
Жыл бұрын
Thank you!! 😊
@bambamrubble6310
Жыл бұрын
Hi Kyle…your videos are helpful and much appreciated. My spouse and I are considering purchasing land and a new modular home due to low resale inventory. We’re interested in using a USDA single close home loan for the purchase. Although it sounds like a fantastic program, we’re having difficulty finding a modular dealer that’s willing to work with USDA. Would you consider doing a video on this topic? Thanks for all your wonderful insights and tips!
@WinTheHouseYouLove
Жыл бұрын
I'll add it to my to-do list. :) Thanks for watching my videos. :)
@R3YNZ
Жыл бұрын
This is exactly what I want to do. I hope he does make a video on this :)
@graphic9876
Жыл бұрын
I am surprised you bought your home now, however your criteria for doing this as you mentioned in the video makes sense! Congratulations Kyle!!
@WinTheHouseYouLove
Жыл бұрын
Yes! Thank you!
@TMKJG24
Жыл бұрын
Congratulations Kyle on your new house so awesome to hear that thanks so much for the video
@WinTheHouseYouLove
Жыл бұрын
Thank you!
@joaniemeiman5303
Жыл бұрын
Follow your own path. I love this. Thanks, Kyle.
@WinTheHouseYouLove
Жыл бұрын
Thank you!
@itsGabrielaCristina
Жыл бұрын
Congrats on buying a house! 🎉
@WinTheHouseYouLove
Жыл бұрын
I just recorded a personal video reply for you: share.descript.com/view/pTvXwYgbgd8 Feel free to email me at kyle@winthehouseyoulove.com
@Walteramirez
Жыл бұрын
is it okay to buy a house if I'm comfortable with the monthly payment when I factor in that I plan to rent out one of the bedrooms and have a roommate? Or is rule #1 comfortable with the monthly payment on your own?
@WinTheHouseYouLove
Жыл бұрын
I just recorded a personal video reply for you: share.descript.com/view/Q6yh14Mu1K8 Feel free to email me at kyle@winthehouseyoulove.com
@Walteramirez
Жыл бұрын
@@WinTheHouseYouLove thank you for the video response! Your the first KZitemr to respond to comment with a video!
@shannelbarrett-hawthorne7457
Жыл бұрын
Congratulations Kyle🎉
@WinTheHouseYouLove
Жыл бұрын
Thank you!
@D2theDot
Жыл бұрын
Man your my hero. Just wanted to let you know.
@WinTheHouseYouLove
Жыл бұрын
I just recorded a personal video reply for you: share.descript.com/view/f3vmupaLfgj Feel free to email me at kyle@winthehouseyoulove.com
@blackcurrantpop
5 ай бұрын
What about interests on top of principal? If you sell at 5 years sometimes you are just breaking even or even paying out more compared to rent over 5 years especially if you put down less than 10% down payment. I guess compared to rent, you would get a lot more space, a better location and a yard or some amenities with owning. Can you make a video regarding this as well? Thx!
@WinTheHouseYouLove
5 ай бұрын
My calculations in the video include the interest costs :)
@flipmex1
Жыл бұрын
So in California, my rent is $2315 for a 3 bedroom apartment. Average home in my area is $650k. I have enough for a 5% down payment with some reserves left over. My monthly payment would be close to $5k. I’m screwed lol.
@robertnguyen2025
Жыл бұрын
Yeah that is not sustainable..if your rent is going up 10 percent each year ..your 5k mortgage will match your rent in about in about 7 to 8 years ..yeah it seems hard to pay 5000k per month for almost 8 years
@flipmex1
Жыл бұрын
@@robertnguyen2025 It goes up about 5% each year. It started at $1550 back in 2015.
@getupandgotransport6344
Жыл бұрын
I have the credit, the job, down payment, the closing but dang i can't find a good person to help me out. Last time went the real estate agent had no idea how to deal with someone thats self employed which I can prove my income WTH. I have to reach out to your team. Hopefully you guys can help me out in the State of Connecticut thanks.
@WinTheHouseYouLove
Жыл бұрын
I'm sorry to hear you've run into that! I'd love if our team can take a lead. Dan Frio on our team is super skilled with self employed. Email me kyle@winthehouseyoulove.com
@ashleygesty7671
Жыл бұрын
Congratulations!
@WinTheHouseYouLove
Жыл бұрын
Thank you!
@jennic2251
Жыл бұрын
I realized last year that between rent and a storage unit I paid out 134k over 8 years. What a wake up call that was!
@nicoletiana
Жыл бұрын
I'm currently still saving and can't wait to buy a home 🙏🏻🙏🏻🙏🏻🙏🏻🙏🏻🙏🏻🙏🏻 one of my biggest goals in life is to own a home. i get paid really good but i wonder if ill be accepted for the loan if im part time (as i wait for a full time position to open up) does it matter whether i'm part time or full time or do they just look at my income total?
@WinTheHouseYouLove
Жыл бұрын
I just recorded a personal video reply for you: vid.us/uqnrat
@MortgagesByMikeDiaz
Жыл бұрын
These videos are soo good!!
@WinTheHouseYouLove
Жыл бұрын
Thanks Mike!
@lifeisbeautiful9455
Жыл бұрын
Thank you for this! I agree I’m losing a lot renting over 22k… ridiculous!
@pjsromproom9378
Жыл бұрын
Great video and great advice. Average people just CANNOT PERFORM BASIC MATH when it comes to owning vs. paying rent, refinancing, buying down points, etc. Buying a home is almost always a good decision. People who bought at the height of the market in 2008 and held...on average their house is now worth more than double what the paid in 2008. So, a "crash" is only affecting the shortsighted, undisciplined and uneducated pawns.
@WinTheHouseYouLove
Жыл бұрын
I just recorded a personal video reply for you: share.descript.com/view/6aLuVGFEmmO
@sierraon28s
Жыл бұрын
What’s a reasonable interest rate for a 30 yr conventional loan ????
@jackielerock8727
Жыл бұрын
Reasonable is subjective LOL depends on the market and what you can afford. The higher the interest rate the less house you can afford. For example, with a 5% interest rate you may be able to afford a $300k house but with a 7% you may only be able to afford $250k. His affordability calculator is awesome for helping you to figure this out.
@WinTheHouseYouLove
Жыл бұрын
I just recorded a personal video reply for you: share.descript.com/view/KvMVonCN1Yy Feel free to email me at kyle@winthehouseyoulove.com
@28haller
Жыл бұрын
Just got did our inspection!!!
@WinTheHouseYouLove
Жыл бұрын
I just recorded a personal video reply for you: share.descript.com/view/EAzzRarwxu6 Feel free to email me at kyle@winthehouseyoulove.com
@RileyJohnson-br7wh
Жыл бұрын
Great video!
@WinTheHouseYouLove
Жыл бұрын
Thanks! Happy Holidays!
@Machenziethemodel
Жыл бұрын
👋🏾 would you work on your credit first or contact a lender and go from there?
@yeyem6678
Жыл бұрын
What about the property taxes, HOA's? How do you get those back? Property tax where i am is 1.95% due to mello roos and hoa $360. Total $1340 a month. I just feel like its a waste. My rent is $2350. Mortgage i was prequalified for is 4k a month . Do you think its worth for me getting a house? From $2350 rent to 4k mortgage?
@1TruthBalance
Жыл бұрын
Hi Yeye!!! Cool name we have! 😊
@mslady3094
Жыл бұрын
It's worth it if you purchase a home that's less than what you qualify for and mortgage less than $2350 per month.
@luckylib
Жыл бұрын
No
@yeyem6678
Жыл бұрын
@@mslady3094 in orange county california theres no mortgage thats less than 4k.. even last year when i wanted to buy a house my mortgage was gonna be $3300 with 2.5% interest. That 4k is included everything, solar, taxes, home insurance, hoa 4.3 % interest. You cant find homes here for less than 600k. Take home pay $10,079 a month net. Only debt is car.
@WinTheHouseYouLove
Жыл бұрын
I just recorded a personal video reply for you: share.descript.com/view/GFyW31MOzoe Feel free to email me at kyle@winthehouseyoulove.com
@manuelashepherd3051
Жыл бұрын
Even it cost 50% less to own, the upkeep of it prob will make it go up to 123000$ within 10 years. So much expenses to maintain a house.
@jessicah3782
Жыл бұрын
You can also make money using your home such as running a daycare, or some other in-home business.
@WinTheHouseYouLove
Жыл бұрын
Yep!
@fxdnny
Жыл бұрын
Congratulations Kyle!
@WinTheHouseYouLove
Жыл бұрын
I just recorded a personal video reply for you: share.descript.com/view/cA6VKMrDOlf Feel free to email me at kyle@winthehouseyoulove.com
@fxdnny
Жыл бұрын
Super cool personal video. Thanks
@besthomesdfw5391
Жыл бұрын
I'm a real estate agent so how can I partner with you?
@WinTheHouseYouLove
Жыл бұрын
kyle@winthehouseyoulove.com
@bluecollarbullionballer4269
Жыл бұрын
Your choices your life.I am opposite of you I am wating to purchase a new home.My home is paid off so I can be patient.I will buy another home or two and rent this home out for the cashflow.Good luck in your new home.Happy investing/stacking.
@WinTheHouseYouLove
Жыл бұрын
I just recorded a personal video reply for you: share.descript.com/view/baMqulu5mjG
@coryburright1883
Жыл бұрын
? Would love your knowledge
@WinTheHouseYouLove
Жыл бұрын
Feel free to email me kyle@winthehouseyoulove.com
@annicks7385
Жыл бұрын
Congrats !
@WinTheHouseYouLove
Жыл бұрын
Thanks!
@Black_Dollarz
Жыл бұрын
Can you do a video on hire to buy a home when self employed?
@WinTheHouseYouLove
Жыл бұрын
I just recorded a personal video reply for you: share.descript.com/view/E63qzJ1N4Op Feel free to email me at kyle@winthehouseyoulove.com
@carlbausemer4077
Жыл бұрын
Can a person get pre-approved without actually knowing which state they want to live in?
OMG - where do you live? Our one bedroom rental is $2400 and that's considered cheap here :(
@WinTheHouseYouLove
Жыл бұрын
I'm in Ohio, very low cost of living
@ElMenorLatino
6 ай бұрын
You were paying $900/month in rent?? 😳
@eddybingurrero2
Жыл бұрын
I don’t know how you were able to get a house that cost half of $900 monthly…
@WinTheHouseYouLove
Жыл бұрын
It's not half the monthly cost. But a home appreciates which offsets the cost of the house long-term.
@MicahMadru
Жыл бұрын
Your opening statement is factually untrue. If you buy at the worst time in the market (right now) your taxes are higher, your monthly payment is higher, and you're at higher risk for foreclosure in an economic downturn. That is YOU feeling the economic benefit or downside of when you buy your home.
@WinTheHouseYouLove
Жыл бұрын
Foreclosure only happens if you can't make payments. If you can't afford the things you mentioned, don't buy.
@MicahMadru
Жыл бұрын
Although that's true, the benefit you list out as only coming after you sell or rent, isn't true. There's more than that which you gloss over to justify buying at an all time high.
@WinTheHouseYouLove
Жыл бұрын
We certainly have differing opinions and that's ok.
@robertnguyen2025
Жыл бұрын
Problems is the bank and the realtor has us hard working people locked in place..we all want a house but the bank..the seller of the house and the realtor is looking for those profit to come to them ..the bank will make about 700k over 30 years with a 500k loans..than the seller of the house will make about 35 percent profit over the value of the house than on top of that the realtor gets a 2 to 7 percent commission on a minimum of 500k..everyone wants to make a profit off hard working families...all of them are as greedy and taking advantages os people who they knows wants a houses of their own
@artcoin9699
Жыл бұрын
Wow I wouldn’t buy anything right now… NOWAY
@WinTheHouseYouLove
Жыл бұрын
I certainly was not interested in renting for any longer
@artcoin9699
Жыл бұрын
@@WinTheHouseYouLove completely understand. I’m hoping you don’t live here by me in California? If mortgage is cheaper or the same as a rental then yes. Otherwise I would definitely stay on the sidelines for a good 6-12 months
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