Відео

Thank you,Javier for being honest and sharing your experience. Hopefully your video will help many people out there to avoid going through this. Respect 🫡

Not much useful info so far but i love your chemistry and humor!! ❤

When applying the mortgage to the 50/30/20 rule are you only using the principle and interest or are you including the property tax and insurance as well?

Wife already teasing me to upgrade our new house that’s only 3 years old

For most new owners who can afford their current payment and avoid getting laid off, they'll be fine. There may be value dip for a few years but it'll be right back up and on the back end they'll be able to refi, because interest rates will crater on the crash and lag behind the rebound. New housing starts are nowhere near demand and won't be in the next decade, so don't expect prices to stay down for long.

Have you made a video about more realistic numbers cause 30% of income only works for a few states

Paint asap, then do repairs every 6 months to spread the cost and to make sure you make progress bit by bit

I wish I would have known 1. Our attic was infested with bats, 2. a crack in the basement would start leaking, 3. A pipe in the master bathroom that goes to the toilet was ran through a space in the wall that shares a spot with our chimney and it freezes every winter, 4. The taxes doubled three years after buying. Yes we had an inspection before buying and literally all of the issues we’ve had with the condition of the home were not mentioned at all. There were issues with our electrical also, not really safety issues just annoying and none of that was ever mentioned either.

U the man Javy

#3 is huge, bought last year with high income(lots of OT) and then my industry took a hit and I’m probably making 25% less than I anticipated making. Thankfully I have savings but definitely an eye-opener.

Thanks for breaking it down. Rather put extra $250 towards my mortgage than into my 5% HYSA

Bought a house last month. I was fine the way it was. It was in great condition. Some things were old like sinks and cabinets and popcorn ceilings. But the wife, wanted to redo the floors, bathroom and ceilings…😭😭😭 almost 1 month since closing and we haven’t started moving in yet.

Wow, I just found both of you guys earlier this week. I'm in the process of purchasing my 1st home. I'm using my VA loan. Both of you have been extremely helpful and thank you. I owe you two a Steak Dinner.

Praying for your family

Appreciate the candor but there is no perfect house buy. There no perfect house. There’s no perfect financial situation(for most of us). But what u can afford. U will face some kind of issue. U can do it with a house of without a house. Never wait. If you can afford it, whatever that means to u, then buy. But don’t wait for rates to drop on anything. U could be waiting forever or be priced out like most are. My 2c

Custom draperies + $5000

I have no debts and have saved 80k. You think I should buy my first house already, 20% down, or just wait and keep saving? Im in TX and lookn at houses between 300-450k. My current rent is 2.5k and I like it, but tbh im mainly wanting a house for a backyard for my dog and for potentially renting it out a couple years out.

I guess I do have a question, we’re thinking of buying in a new community in their final phase of construction, but we’re buying a home from phase 2. Should we focus too much on the Builders if people have already lived there for 3 years? Or do we just let inspections do its job?

I’m in Ohio and the housing market here over the last 7-8 years is unlike anything I’ve ever seen. Homes that were bought for $130K in 2015 are now being sold for $590k. I’m talking about tiny, disgusting, poorly built 950 square foot shit boxes in quiet mediocre neighbourhoods. Then you’ve got Better, average sized homes in nicer neighbourhoods that were $300K+ 10 years ago selling for $750k+ now. Wild times.

Pro tip: Join the military (active duty) and get at least 10% disability. Suck up your first contract and you’ll thank me later in life.

There is no better teacher than real life experiences shared. Thank you for this!

Thank you for sharing!!

Thanks for your honesty, and transparency. This took guts to reveal, especially with you being a realtor. I’m sure you’re gonna get some flack from the “know it alls” but I appreciate the vulnerability.

Gross $108k a year, set to take home $123k a year next year. Taxes and child care take $65k. So I take home $45k a year

Haha its true!!! Its expensive!

tube tops are for everyone!

If I move into a new house I'll be so broke and I equate being broke with being miserable. It's already hard saving 20% knowing it'll be all gone at closing so I need to save 30%. Probably not happening in this economy.

The argument of thats a bad area is also werd cuz its what you can afford and its satisfying your need for a house ppl are so entitled thinking there better then the other people living in tbese areas

50 20 30 is weird cuz if i make 40k vs 100k my needs dont change the % of my money allicated to those needs just gets smaller

I'm sitting out till rates and more houses hit the market. If that means I need to rent for 2 or 3 more years than that's fine. That's just more money to put towards savings and investments.

I used to be that way, like try to be the nice person, etc., now I’m very direct and not afraid to ask for some and then some more! I do speak my mind and I get looks like, “you’re supposed to be nice and stay quiet”

Thanks for sharing your experience and offering transparency Javier. Sorry about all the life that ‘lifed’🫤

Stay with what you can afford even in the worst time or plan for it, that's the best advice

Hi Javier, do you think your inspector missed some items?

My advice is BUY! because INFLATION never sleeps. Today's expensive is tomorrow's unaffordable.

I appreciate your honest approach to home buying. Your videos helped me hold off from buying prematurely. For now, I’ll keep saving and investing indefinitely.

3:07 did you have to mute and sensor some vital information? 😜😜

Hmmm... Well, I'm a 9 to 5 who's in a "bad" situation, meaning, I bought above what I could safely afford, but I did it knowing full well that if this 9-5 job went away, I'd probably have to get two jobs to make up for the income... and I was okay with that... therefore, moved forward with the purchase. This wasn't an investment for me, this was our dream come true... call me a dreamer.

People are finally selling but fewer buyers looking at least in SD Cali

All jokes aside, nobody talks about closing and wire frauds. I would lov a video surrounding that part!

Lost sound from 2:50 to 3:10.

First, to comment, Chat, don't hate 😂

I just felt I was ripped-off by my Realtor. I already had the buyer, I am the seller, she is charging 4% or $18,000 to do paper work. And she is representing the Seller and Buyer and I'm paying the whole 4% fee. I only wish I had see your YT video earlier. THanks.

Gave you a like just for the background song ❤

No thanks for HOA I will never live in one ever!😊