Home
Categories
EXPLORE
True Crime
Comedy
Society & Culture
Business
Sports
History
Fiction
About Us
Contact Us
Copyright
© 2024 PodJoint
00:00 / 00:00
Sign in

or

Don't have an account?
Sign up
Forgot password
https://is1-ssl.mzstatic.com/image/thumb/Podcasts211/v4/9f/54/52/9f54526b-692e-03fd-b14a-07b5b9e1104e/mza_4698548951869375051.jpg/600x600bb.jpg
The 1st Time Homebuyer Show w/ Gizmo by House Rich
Dave Ball @HouseRichDave
214 episodes
2 days ago
Giz (the world's cutest dog) & I (experience as a lender, underwriter & Realtor) walk about talk about various home buying news and breakdown mortgage tips and tricks. Between the 2 of use we've help 100s of 1st time homebuyer in real life; we just dont talk about it into a mic. Come walk w/ us & Lets go get those keys !!! -HouseRichDave & Giz
Show more...
Investing
Business
RSS
All content for The 1st Time Homebuyer Show w/ Gizmo by House Rich is the property of Dave Ball @HouseRichDave and is served directly from their servers with no modification, redirects, or rehosting. The podcast is not affiliated with or endorsed by Podjoint in any way.
Giz (the world's cutest dog) & I (experience as a lender, underwriter & Realtor) walk about talk about various home buying news and breakdown mortgage tips and tricks. Between the 2 of use we've help 100s of 1st time homebuyer in real life; we just dont talk about it into a mic. Come walk w/ us & Lets go get those keys !!! -HouseRichDave & Giz
Show more...
Investing
Business
Episodes (20/214)
The 1st Time Homebuyer Show w/ Gizmo by House Rich
191: Why is the underwriting process so ruff

Use my network to find a realtor (that doesn't suck) near you https://homeandmoney.com/houserichdave/

Gizmo and I explain why the mortgage underwriting process takes so long by covering the steps in the underwriting process, the underwriting timeline and common errors that can lead to delays.

 

This is a show for millennial first time home buyers looking to buy their 1st home and build generational wealth through real estate. Real estate is a way to build black wealth and close the wealth gap.

 

🏠🏡🔑🗝️🏠🏡🔑🗝️🏠🏡🔑🗝️Important info below ⤵️

🤠I'm a Realtor in Dallas, TX. If you're looking to move to the Dallas, TX area or a local looking to buy I'd love to help. I'm Veteran (Go Navy!!) and have helped 100s of Texas (and out of towners) buy homes in my pervious life in the mortgage industry (I'm a guidelines nerd). Reach out to work with me.

 

🏡World's Best Home Buying Tips: https://www.youtube.com/@Homebuyingtips

🎙️My Podcast. Homebuying tips on the go: Search on wherever you get podcasts

📚 New to the page? Start here for 2023 mortgage guidelines https://youtube.com/playlist?list=PLjFvxi72ii9j_J6dfqhvExAhE5lF5otgx

David Ball Dallas Texas Real Estate Agent | Texas Real Estate License: 800326

📽️📺📹🎥

TikTok- https://www.tiktok.com/@houserichdave

IG- https://www.instagram.com/houserichdave/

@houserichdave

daveballjr@gmail.com

Show more...
1 year ago
27 minutes 4 seconds

The 1st Time Homebuyer Show w/ Gizmo by House Rich
190: Sniffing out junk fees & how to reduce them yourself

Giz and I talk about the CFPB looking to eliminate "junk fees" from mortgage lenders and how you can reduce them yourself my understanding how to read a loan estimate. We talk about. We also talk about common mistake 1st time homebuyer make when looking at quotes from lenders.

 

This is a show for millennial first time home buyers looking to buy their 1st home and build generational wealth through real estate. Real estate is a way to build black wealth and close the wealth gap.

 

🏠🏡🔑🗝️🏠🏡🔑🗝️🏠🏡🔑🗝️Important info below ⤵️

🤠I'm a Realtor in Dallas, TX. If you're looking to move to the Dallas, TX area or a local looking to buy I'd love to help. I'm Veteran (Go Navy!!) and have helped 100s of Texas (and out of towners) buy homes in my pervious life in the mortgage industry (I'm a guidelines nerd). Reach out to work with me.

 

🏡World's Best Home Buying Tips: https://www.youtube.com/@Homebuyingtips

🎙️My Podcast. Homebuying tips on the go: Search on wherever you get podcasts

📚 New to the page? Start here for 2023 mortgage guidelines https://youtube.com/playlist?list=PLjFvxi72ii9j_J6dfqhvExAhE5lF5otgx

David Ball Dallas Texas Real Estate Agent | Texas Real Estate License: 800326

📽️📺📹🎥

TikTok- https://www.tiktok.com/@houserichdave

IG- https://www.instagram.com/houserichdave/

@houserichdave

daveballjr@gmail.com

Show more...
1 year ago
12 minutes 17 seconds

The 1st Time Homebuyer Show w/ Gizmo by House Rich
189: Brokers v Big Banks/Direct Lenders, who's top dog?

Gizmo and I discuss the pros and cons if first time home buyers using a mortgage broker versus a big bank or direct lender when getting a home loan.  Some of the items we cover are

*seller perception

*Does a mortgage broker or bank close loans quicker

*Do mortgage brokers or banks have better loan programs

*Common misperception

*Why oversight on lenders matters

This is a show for millennial first time home buyers looking to buy their 1st home and build generational wealth through real estate. Real estate is a way to build black wealth and close the wealth gap.

 

🏠🏡🔑🗝️🏠🏡🔑🗝️🏠🏡🔑🗝️Important info below ⤵️

🤠I'm a Realtor in Dallas, TX. If you're looking to move to the Dallas, TX area or a local looking to buy I'd love to help. I'm Veteran (Go Navy!!) and have helped 100s of Texas (and out of towners) buy homes in my pervious life in the mortgage industry (I'm a guidelines nerd). Reach out to work with me.

 

🏡World's Best Home Buying Tips: https://www.youtube.com/@Homebuyingtips

🎙️My Podcast. Homebuying tips on the go: Search on wherever you get podcasts

📚 New to the page? Start here for 2023 mortgage guidelines https://youtube.com/playlist?list=PLjFvxi72ii9j_J6dfqhvExAhE5lF5otgx

David Ball Dallas Texas Real Estate Agent | Texas Real Estate License: 800326

📽️📺📹🎥

TikTok- https://www.tiktok.com/@houserichdave

IG- https://www.instagram.com/houserichdave/

@houserichdave

daveballjr@gmail.com

Show more...
1 year ago
20 minutes 22 seconds

The 1st Time Homebuyer Show w/ Gizmo by House Rich
188: Is home maintenance really that ruff on FTBHs? The 2024 USA Today survey says...

Giz and i discuss the 2024 USA today maintenance survey covering topics such as

-annual home maintenance costs

-How much homeowners spend yearly on maintenance

-Hidden maintenance costs

-Tips for new homeowners to reduce maintenance expenses

 

This is a show for millennial first time home buyers looking to buy their 1st home and build generational wealth through real estate. Real estate is a way to build black wealth and close the wealth gap.

 

🏠🏡🔑🗝️🏠🏡🔑🗝️🏠🏡🔑🗝️Important info below ⤵️

🤠I'm a Realtor in Dallas, TX. If you're looking to move to the Dallas, TX area or a local looking to buy I'd love to help. I'm Veteran (Go Navy!!) and have helped 100s of Texas (and out of towners) buy homes in my pervious life in the mortgage industry (I'm a guidelines nerd). Reach out to work with me.

 

🏡World's Best Home Buying Tips: https://www.youtube.com/@Homebuyingtips

🎙️My Podcast. Homebuying tips on the go: Search on wherever you get podcasts

📚 New to the page? Start here for 2023 mortgage guidelines https://youtube.com/playlist?list=PLjFvxi72ii9j_J6dfqhvExAhE5lF5otgx

David Ball Dallas Texas Real Estate Agent | Texas Real Estate License: 800326

📽️📺📹🎥

TikTok- https://www.tiktok.com/@houserichdave

IG- https://www.instagram.com/houserichdave/

@houserichdave

daveballjr@gmail.com

Show more...
1 year ago
19 minutes 26 seconds

The 1st Time Homebuyer Show w/ Gizmo by House Rich
187: What to do if you can no longer afford your mortgage payment & why it increases

Gizmo and I talk about the components of your mortgage payment (Principal, interest taxes, insurance and HOA dues) and which ones are likely to increase. What to watch out for with new construction homes when it comes to property taxes and solutions if you get into a pinch and cant afford your mortgage payment

This is a show for millennial first time home buyers looking to buy their 1st home and build generational wealth through real estate. Real estate is a way to build black wealth and close the wealth gap.

 

🏠🏡🔑🗝️🏠🏡🔑🗝️🏠🏡🔑🗝️Important info below ⤵️

🤠I'm a Realtor in Dallas, TX. If you're looking to move to the Dallas, TX area or a local looking to buy I'd love to help. I'm Veteran (Go Navy!!) and have helped 100s of Texas (and out of towners) buy homes in my pervious life in the mortgage industry (I'm a guidelines nerd). Reach out to work with me.

 

🏡World's Best Home Buying Tips: https://www.youtube.com/@Homebuyingtips

🎙️My Podcast. Homebuying tips on the go: Search on wherever you get podcasts

📚 New to the page? Start here for 2023 mortgage guidelines https://youtube.com/playlist?list=PLjFvxi72ii9j_J6dfqhvExAhE5lF5otgx

David Ball Dallas Texas Real Estate Agent | Texas Real Estate License: 800326

📽️📺📹🎥

TikTok- https://www.tiktok.com/@houserichdave

IG- https://www.instagram.com/houserichdave/

@houserichdave

daveballjr@gmail.com

Show more...
1 year ago
14 minutes 58 seconds

The 1st Time Homebuyer Show w/ Gizmo by House Rich
186: Evaluating a neighborhood as a 1st time homebuyer (visual episode)
This episode is very visual here in the YouTube link to see what I’m talking about: https://youtu.be/4iNV0x8d514?si=nq6-Y0wYeny6hW03 When touring a property make sure you are examining the neighborhood around the house because you don't want to love the house but hate the neighborhood. I explore everything from tips on evaluating where your HOA money is going, accessing neighbors landscaping to how to identify upcoming construction. This is a show for millennial first time home buyers looking to buy their 1st home and build generational wealth through real estate. Real estate is a way to build black wealth and close the wealth gap.   🏠🏡🔑🗝️🏠🏡🔑🗝️🏠🏡🔑🗝️Important info below ⤵️ 🤠I'm a Realtor in Dallas, TX. If you're looking to move to the Dallas, TX area or a local looking to buy I'd love to help. I'm Veteran (Go Navy!!) and have helped 100s of Texas (and out of towners) buy homes in my pervious life in the mortgage industry (I'm a guidelines nerd). Reach out to work with me.   🏡World's Best Home Buying Tips: https://www.youtube.com/@Homebuyingtips 🎙️My Podcast. Homebuying tips on the go: Search on wherever you get podcasts 📚 New to the page? Start here for 2023 mortgage guidelines https://youtube.com/playlist?list=PLjFvxi72ii9j_J6dfqhvExAhE5lF5otgx David Ball Dallas Texas Real Estate Agent | Texas Real Estate License: 800326 📽️📺📹🎥 TikTok- https://www.tiktok.com/@houserichdave IG- https://www.instagram.com/houserichdave/ @houserichdave
Show more...
1 year ago
13 minutes 7 seconds

The 1st Time Homebuyer Show w/ Gizmo by House Rich
185: 9 Things 1st time homebuyers over look during a property tour (visual episode)
Hey I'm back.   **This is kind of a visual episode, see her for the Youtube link if you want to see what I'm referring to. https://youtu.be/0XKPpThZJKg I cover things 1st time homebuyers often overlooks when touring a property. I cover what to look for inside an outside of the home from checking the gradient of the property to giving a good hard look (or smell) as to why that good smelling candle is lit in the home. Looking for a home in Dallas? Schedule a call w/ me: https://calendly.com/houserich/dfw Outside of Dallas? Connect w/ a dope Realtor in your local market: https://homeandmoney.com/houserichdave/   This is a show for millennial first time home buyers looking to buy their 1st home and build generational wealth through real estate. Real estate is a way to build black wealth and close the wealth gap.   🏠🏡🔑🗝️🏠🏡🔑🗝️🏠🏡🔑🗝️Important info below ⤵️ 🤠I'm a Realtor in Dallas, TX. If you're looking to move to the Dallas, TX area or a local looking to buy I'd love to help. I'm Veteran (Go Navy!!) and have helped 100s of Texas (and out of towners) buy homes in my pervious life in the mortgage industry (I'm a guidelines nerd). Reach out to work with me.   🏡World's Best Home Buying Tips: https://www.youtube.com/@Homebuyingtips 🎙️My Podcast. Homebuying tips on the go: Search on wherever you get podcasts 📚 New to the page? Start here for 2023 mortgage guidelines https://youtube.com/playlist?list=PLjFvxi72ii9j_J6dfqhvExAhE5lF5otgx David Ball Dallas Texas Real Estate Agent | Texas Real Estate License: 800326 📽️📺📹🎥 TikTok- https://www.tiktok.com/@houserichdave IG- https://www.instagram.com/houserichdave/ @houserichdave
Show more...
1 year ago
16 minutes 53 seconds

The 1st Time Homebuyer Show w/ Gizmo by House Rich
Season 4 update: I’m back w/ a friend
Things going forward
Show more...
1 year ago
4 minutes 39 seconds

The 1st Time Homebuyer Show w/ Gizmo by House Rich
184: 9 places that'll pay you to move there; including one giving $19K

I breakdown the article from realtor.com where they list 9 cities that will provide people that move there money whether they buy a home or not.

 

 

Looking for a home in Dallas? Schedule a call w/ me: https://calendly.com/houserich/dfw

Outside of Dallas? Connect w/ a dope Realtor in your local market: https://homeandmoney.com/houserichdave/

 

"These Places Will Pay You Tens of Thousands To Move There—but How Much Will It Really Cost You?

Those struggling to come up with a down payment for a home or their first month’s rent plus security deposit might be relieved to know there are places in America that are paying people to relocate there.

 

Some smaller cities and states are offering incentives, worth up to $15,000, to those who can work remotely to move there. While relocation incentive packages vary greatly, some are throwing in cash, free gym memberships, museum passes—and even dinner with the mayor.

 

These incentives appear to be working. More than 50,000 people applied for these programs in 2023, according to the online marketplace MakeMyMove.com, as reported by CNN."

 

Looking for a home in Dallas? Schedule a call w/ me: https://calendly.com/houserich/dfw

Outside of Dallas? Connect w/ a dope Realtor in your local market: https://homeandmoney.com/houserichdave/

 

This is a show for millennial first time home buyers looking to buy their 1st home and build generational wealth through real estate. Real estate is a way to build black wealth and close the wealth gap.

 

🏠🏡🔑🗝️🏠🏡🔑🗝️🏠🏡🔑🗝️Important info below ⤵️

🤠I'm a Realtor in Dallas, TX. If you're looking to move to the Dallas, TX area or a local looking to buy I'd love to help. I'm Veteran (Go Navy!!) and have helped 100s of Texas (and out of towners) buy homes in my pervious life in the mortgage industry (I'm a guidelines nerd). Reach out to work with me.

🤠In the DFW market? Schedule a planning call- https://calendly.com/houserich

⭐If you're looking for a top realtor in your area I can help you with that too. https://calendly.com/houserich/

📧 hello@houserichshow.com

🏡World's Best Home Buying Tips: https://www.youtube.com/@Homebuyingtips

🎙️My Podcast. Homebuying tips on the go: https://www.houserichshow.com/

🏠Join my email list and get a FREE credit repair guideline: https://houserichdave.myflodesk.com/newsletter

📚 New to the page? Start here for 2023 mortgage guidelines https://youtube.com/playlist?list=PLjFvxi72ii9j_J6dfqhvExAhE5lF5otgx

David Ball Dallas Texas Real Estate Agent | Texas Real Estate License: 800326

📽️📺📹🎥

Show more...
1 year ago
13 minutes 23 seconds

The 1st Time Homebuyer Show w/ Gizmo by House Rich
183: Biden's $10,000 homebuyer credit & the state of the housing market

I breakdown president plan for the housing market as discussed during his state of the union speech.

 

Looking for a home in Dallas? Schedule a call w/ me: https://calendly.com/houserich/dfw

Outside of Dallas? Connect w/ a dope Realtor in your local market: https://homeandmoney.com/houserichdave/

 

During his State of the Union Address, President Biden will call on Congressional Republicans to end years of inaction and pass legislation to lower costs by providing a $10,000 tax credit for first-time homebuyers and people who sell their starter homes; build and renovate more than 2 million homes; and lower rental costs.  President Biden also announced new steps to lower homebuying and refinancing closing costs and crack down on corporate actions that rip off renters.

 

https://www.whitehouse.gov/briefing-room/statements-releases/2024/03/11/fact-sheet-the-presidents-budget-cuts-housing-costs-boosts-supply-and-expands-access-to-affordable-housing/

 

This is a show for millennial first time home buyers looking to buy their 1st home and build generational wealth through real estate. Real estate is a way to build black wealth and close the wealth gap.

 

🏠🏡🔑🗝️🏠🏡🔑🗝️🏠🏡🔑🗝️Important info below ⤵️

🤠I'm a Realtor in Dallas, TX. If you're looking to move to the Dallas, TX area or a local looking to buy I'd love to help. I'm Veteran (Go Navy!!) and have helped 100s of Texas (and out of towners) buy homes in my pervious life in the mortgage industry (I'm a guidelines nerd). Reach out to work with me.

🤠In the DFW market? Schedule a planning call- https://calendly.com/houserich

⭐If you're looking for a top realtor in your area I can help you with that too. https://calendly.com/houserich/

📧 hello@houserichshow.com

🏡World's Best Home Buying Tips: https://www.youtube.com/@Homebuyingtips

🎙️My Podcast. Homebuying tips on the go: https://www.houserichshow.com/

🏠Join my email list and get a FREE credit repair guideline: https://houserichdave.myflodesk.com/newsletter

📚 New to the page? Start here for 2023 mortgage guidelines https://youtube.com/playlist?list=PLjFvxi72ii9j_J6dfqhvExAhE5lF5otgx

David Ball Dallas Texas Real Estate Agent | Texas Real Estate License: 800326

📽️📺📹🎥

TikTok- https://www.tiktok.com/@houserichdave

IG- https://www.instagram.com/houserichdave/

@houserichdave

Show more...
1 year ago
14 minutes 51 seconds

The 1st Time Homebuyer Show w/ Gizmo by House Rich
182: Squatter's Right's Explained: NYC squatter has homeowner arrested after breaking into her $1m home

I explain the history behind squatter's rights and why they still exist today. Most people confused squatter's rights, the right of tenants and criminals that have illegal broken into a property and are abusing tenants right's to stay in the property.


Looking for a home in Dallas? Schedule a call w/ me: https://calendly.com/houserich/dfw

Outside of Dallas? Connect w/ a dope Realtor in your local market: https://homeandmoney.com/houserichdave/  

I also cover solution's to the squatter epidemic an well are talk about a guy name Flash Shelton, the "Squatter Hunter" and how you can hire him to get rid of squatters

 

"A New York City property owner recently ended up in handcuffs following a fiery standoff with alleged squatters who she has been trying to boot from her family’s home, tense footage shows.

 

Adele Andaloro, 47, was nabbed after changing the locks last month on the $1 million home in Flushing, Queens, that she says she inherited from her parents when they died, ABC’s Eyewitness News reported.

 

“It’s enraging,” the homeowner said of the squatter saga.

 

“It’s not fair that I, as the homeowner, have to be going through this.

Looking for a home in Dallas? Schedule a call w/ me: https://calendly.com/houserich/dfw

Outside of Dallas? Connect w/ a dope Realtor in your local market: https://homeandmoney.com/houserichdave/

 

This is a show for millennial first time home buyers looking to buy their 1st home and build generational wealth through real estate. Real estate is a way to build black wealth and close the wealth gap.

 

🏠🏡🔑🗝️🏠🏡🔑🗝️🏠🏡🔑🗝️Important info below ⤵️

🤠I'm a Realtor in Dallas, TX. If you're looking to move to the Dallas, TX area or a local looking to buy I'd love to help. I'm Veteran (Go Navy!!) and have helped 100s of Texas (and out of towners) buy homes in my pervious life in the mortgage industry (I'm a guidelines nerd). Reach out to work with me.

🤠In the DFW market? Schedule a planning call- https://calendly.com/houserich

⭐If you're looking for a top realtor in your area I can help you with that too. https://calendly.com/houserich/

📧 hello@houserichshow.com

🏡World's Best Home Buying Tips: https://www.youtube.com/@Homebuyingtips

🎙️My Podcast. Homebuying tips on the go: https://www.houserichshow.com/

🏠Join my email list and get a FREE credit repair guideline: https://houserichdave.myflodesk.com/newsletter

📚 New to the page? Start here for 2023 mortgage guidelines https://youtube.com/playlist?list=PLjFvxi72ii9j_J6dfqhvExAhE5lF5otgx

David Ball Dallas Texas Real Estate Agent | Texas Real Estate License: 800326

📽️📺📹🎥

TikTok- https://www.tiktok.com/@houserichdave

IG- https://www.instagram.com/houserichdave/

@houserichdave

Show more...
1 year ago
15 minutes 25 seconds

The 1st Time Homebuyer Show w/ Gizmo by House Rich
181: Breaking... $418M Realtor lawsuit settlement & its impact on the 1st time homebuyer

I cover the impact of settlement where National Association of Realtors will pay $418 million in damages and will amend several rules that housing experts say will drive down housing costs. I cover this from the point of view of the first time home buyer and how it will impact them from a position of increased fees, a decrease in knowledge and why first time home buyer in low to moderate income communities will be the most impacted

 

Topic covered

 

01:43 NAR settlement case/verdict overview

02:38 How buyer’s agents are compensation

03:09 buyers agent agreement explained

04:35 Why the 1st time homebuyer is getting screwed

06:54 The impact of the settlement on home prices

07:47 what drives home prices

09:56 why sellers won’t lower prices due to NAR’s settlement

11:58 What if sellers lowered prices

15:02 Who doe FTHB turn to?

15:39 Winners

16:42 times have changed

17:10 future commission scenarios

19:32 Buyers at the lower end of the market being the most impacted

 

 

Looking for a home in Dallas? Schedule a call w/ me: https://calendly.com/houserich/dfw

Outside of Dallas? Connect w/ a dope Realtor in your local market: https://homeandmoney.com/houserichdave/

Show more...
1 year ago
22 minutes 30 seconds

The 1st Time Homebuyer Show w/ Gizmo by House Rich
180: 7.2M reasons you cant find a home

I cover the  @realtordotcom  article "U.S. Housing Supply Short 7.2 Million Homes" The topics covered are 03:41 The large margins for new home builders and why they can over incentives to new home buyers 04:40 Where the 7.2M deficit number comes from 06:23 Why the starter home is disappearing 08:20 Metros with the biggest deficit in single family homes "While the number of homes for sale has been recovering from pandemic-era lows thanks to a surge of new construction, a new Realtor.com® analysis found that the market is still missing up to 7.2 million homes, the result of more than a decade of underbuilding relative to population growth." Looking for a home in Dallas? Schedule a call w/ me: https://calendly.com/houserich/dfw Outside of Dallas? Connect w/ a dope Realtor in your local market: https://homeandmoney.com/houserichdave/ This is a show for millennial first time home buyers looking to buy their 1st home and build generational wealth through real estate. Real estate is a way to build black wealth and close the wealth gap. 🏠🏡🔑🗝️🏠🏡🔑🗝️🏠🏡🔑🗝️Important info below ⤵️ 🤠I'm a Realtor in Dallas, TX. If you're looking to move to the Dallas, TX area or a local looking to buy I'd love to help. I'm Veteran (Go Navy!!) and have helped 100s of Texas (and out of towners) buy homes in my pervious life in the mortgage industry (I'm a guidelines nerd). Reach out to work with me. 🤠In the DFW market? Schedule a planning call- https://calendly.com/houserich ⭐If you're looking for a top realtor in your area I can help you with that too. https://calendly.com/houserich/ 📧 hello@houserichshow.com 🏡World's Best Home Buying Tips: https://www.youtube.com/@Homebuyingtips 🎙️My Podcast. Homebuying tips on the go: https://www.houserichshow.com/ 🏠Join my email list and get a FREE credit repair guideline: https://houserichdave.myflodesk.com/newsletter 📚 New to the page? Start here for 2023 mortgage guidelines https://youtube.com/playlist?list=PLjFvxi72ii9j_J6dfqhvExAhE5lF5otgx David Ball Dallas Texas Real Estate Agent | Texas Real Estate License: 800326 📽️📺📹🎥 TikTok- https://www.tiktok.com/@houserichdave IG- https://www.instagram.com/houserichdave/ @houserichdave

Show more...
1 year ago
9 minutes 55 seconds

The 1st Time Homebuyer Show w/ Gizmo by House Rich
179: Conventional v FHA the ultimate showdown

I compared the benefits for an FHA loan versus conventional loan for 1st time homebuyers in 2024. The topics we cover are 01:33 FHA loan credit requirements 03:51 conventional loan credit requirements 04:41 Biden's loan level price adjust "hurting" those with good credit 05:21 Down payment requirements for FHA loans 06:00 Conventional loan down payment requirements 06:30 Update conventional loan housing hacking guidelines 06:52 Conventional loan vacation home and investment property guidelines 07:43 Occupancy requirements for FHA and conventional loans 08:01 Does an conventional or FHA loan have better rates 08:21 Differences in mortgage insurance between FHA and conventional loans 09:52: LTV explained and an example 11:34 How to drop mortgage insurance on an FHA loan 12:12 DTI requirements for FHA and conventional loans 13:19 2024 Loan limits for FHA and conventional loans 14:24 Seller perception for FHA and conventional loans 15:22 Appraisal differences for FHA and conventional loans 16:00 The amendatory clause explained Looking for a home in Dallas? Schedule a call w/ me: https://calendly.com/houserich/dfw Outside of Dallas? Connect w/ a dope Realtor in your local market: https://homeandmoney.com/houserichdave/ This is a show for millennial first time home buyers looking to buy their 1st home and build generational wealth through real estate. Real estate is a way to build black wealth and close the wealth gap. 🏠🏡🔑🗝️🏠🏡🔑🗝️🏠🏡🔑🗝️Important info below ⤵️ 🤠I'm a Realtor in Dallas, TX. If you're looking to move to the Dallas, TX area or a local looking to buy I'd love to help. I'm Veteran (Go Navy!!) and have helped 100s of Texas (and out of towners) buy homes in my pervious life in the mortgage industry (I'm a guidelines nerd). Reach out to work with me. 🤠In the DFW market? Schedule a planning call- https://calendly.com/houserich ⭐If you're looking for a top realtor in your area I can help you with that too. https://calendly.com/houserich/ 📧 hello@houserichshow.com 🏡World's Best Home Buying Tips: https://www.youtube.com/@Homebuyingtips 🎙️My Podcast. Homebuying tips on the go: https://www.houserichshow.com/ 🏠Join my email list and get a FREE credit repair guideline: https://houserichdave.myflodesk.com/newsletter 📚 New to the page? Start here for 2023 mortgage guidelines https://youtube.com/playlist?list=PLjFvxi72ii9j_J6dfqhvExAhE5lF5otgx David Ball Dallas Texas Real Estate Agent | Texas Real Estate License: 800326 📽️📺📹🎥 TikTok- https://www.tiktok.com/@houserichdave IG- https://www.instagram.com/houserichdave/ @houserichdave

Show more...
1 year ago
18 minutes 29 seconds

The 1st Time Homebuyer Show w/ Gizmo by House Rich
178: Rates stuck at 7%, what happens next?

I provide an updated 2024 interest rate forecast for the housing market as well as examine the external factors that impact your interest rates as well as the one you can control when it comes to your interest rate.

 

Looking for a home in Dallas? Schedule a call w/ me: https://calendly.com/houserich/dfw

Outside of Dallas? Connect w/ a dope Realtor in your local market: https://homeandmoney.com/houserichdave/

 

This is a show for millennial first time home buyers looking to buy their 1st home and build generational wealth through real estate. Real estate is a way to build black wealth and close the wealth gap.

 

🏠🏡🔑🗝️🏠🏡🔑🗝️🏠🏡🔑🗝️Important info below ⤵️

🤠I'm a Realtor in Dallas, TX. If you're looking to move to the Dallas, TX area or a local looking to buy I'd love to help. I'm Veteran (Go Navy!!) and have helped 100s of Texas (and out of towners) buy homes in my pervious life in the mortgage industry (I'm a guidelines nerd). Reach out to work with me.

🤠In the DFW market? Schedule a planning call- https://calendly.com/houserich

⭐If you're looking for a top realtor in your area I can help you with that too. https://calendly.com/houserich/

📧 hello@houserichshow.com

🏡World's Best Home Buying Tips: https://www.youtube.com/@Homebuyingtips

🎙️My Podcast. Homebuying tips on the go: https://www.houserichshow.com/

🏠Join my email list and get a FREE credit repair guideline: https://houserichdave.myflodesk.com/newsletter

📚 New to the page? Start here for 2023 mortgage guidelines https://youtube.com/playlist?list=PLjFvxi72ii9j_J6dfqhvExAhE5lF5otgx

David Ball Dallas Texas Real Estate Agent | Texas Real Estate License: 800326

📽️📺📹🎥

TikTok- https://www.tiktok.com/@houserichdave

IG- https://www.instagram.com/houserichdave/

@houserichdave

Show more...
1 year ago
12 minutes 7 seconds

The 1st Time Homebuyer Show w/ Gizmo by House Rich
177: Does NACA suck? Lets find out...

I review how to get a NACA loan in 2024 by going over the NACA guidelines listed in the NACA Qualifications Workbook as well as reviewing the  NACA Homebuyer Workshop Presentation. These are the topics covered

1:35 Your 3 big questions about getting a NACA loan

2:50 NACA;s 10 steps to homeownership

3:00: Step 1 NACA workshop overview

3:17: step 2 Understanding the NACA membership portal

4:31: step 3 NACA qualification

4:45: 1st hand experience from a member & mindset for the NACA program

6:11 NACA's below market rate & priority v non-priority members

8:17 NACA priority and eligible areas

9:17 NACA's interest rate buy down

11:04 NACA loan type overview rehab loan, section 8 program

11:40 NACA Loan limits

12:21 how NACA determines what you can afford

12:51 NACA's budgeting worksheet

13:27 How NACA calculates monthly savings

14:05 NACA payment shock

15:30 NACA DTI limits

17:46 NACA membership requirements

18:38 NACA credit requirements

20:31 NACA does pull your credit report

21:17 How NACA looks at on-time payment history

21:39 How NACA looks at rental history /proof of payment

23:07 NACA's income qualification for W2 employees & self employed

24:00 How NACA looks at debt and derogatory credit impact the ability to qualify

24:43 How student loan debt impacts qualifying for a NACA loan

25:39 how much money do you need for the NACA program

27:01 NACA reserve requirements

27:34 The documents you need for a NACA loan

28:12 steps 4-10 overview of the NACA program

Looking for a home in Dallas? Schedule a call w/ me: https://calendly.com/houserich/dfw

Outside of Dallas? Connect w/ a dope Realtor in your local market: https://homeandmoney.com/houserichdave/

 

This is a show for millennial first time home buyers looking to buy their 1st home and build generational wealth through real estate. Real estate is a way to build black wealth and close the wealth gap.

 

🏠🏡🔑🗝️🏠🏡🔑🗝️🏠🏡🔑🗝️Important info below ⤵️

🤠I'm a Realtor in Dallas, TX. If you're looking to move to the Dallas, TX area or a local looking to buy I'd love to help. I'm Veteran (Go Navy!!) and have helped 100s of Texas (and out of towners) buy homes in my pervious life in the mortgage industry (I'm a guidelines nerd). Reach out to work with me.

🤠In the DFW market? Schedule a planning call- https://calendly.com/houserich

⭐If you're looking for a top realtor in your area I can help you with that too. https://calendly.com/houserich/

📧 hello@houserichshow.com

🏡World's Best Home Buying Tips: https://www.youtube.com/@Homebuyingtips

🎙️My Podcast. Homebuying tips on the go: https://www.houserichshow.com/

🏠Join my email list and get a FREE credit repair guideline: https://houserichdave.myflodesk.com/newsletter

📚 New to the page? Start here for 2023 mortgage guidelines https://youtube.com/playlist?list=PLjFvxi72ii9j_J6dfqhvExAhE5lF5otgx

David Ball Dallas Texas Real Estate Agent | Texas Real Estate License: 800326

📽️📺📹🎥

TikTok- https://www.tiktok.com/@houserichdave

IG- https://www.instagram.com/houserichdave/

@houserichdave

Show more...
1 year ago
31 minutes 3 seconds

The 1st Time Homebuyer Show w/ Gizmo by House Rich
XX: Finding out I have Asperger's, a high functioning form of autism as an adult

Maybe you can call this a very special episode. But on today's episode i discuss the realization i have Asperberg's syndrome as an adult how in hindsight it impacted my life from childhood to adulthood, how it brought me to where I am today and how I plan to cope going forward.

 

"People with high-functioning autism/Asperger's often have difficulty with social situations, and they may not be able to understand the perspectives and feelings of others. However, their language and cognitive skills are often typical.

 

People with the condition may also engage in specific, repetitive body movements. They often have an orientation toward detail and an interest in systemizing, which can come across as an obsession. Some may show remarkable facility in a narrowly focused and usually non-social area, such as baseball statistics or train schedules"

-psychologytoday.com

Looking for a home in Dallas? Schedule a call w/ me: https://calendly.com/houserich/dfw

Outside of Dallas? Connect w/ a dope Realtor in your local market: https://homeandmoney.com/houserichdave/

 

This is a show for millennial first time home buyers looking to buy their 1st home and build generational wealth through real estate. Real estate is a way to build black wealth and close the wealth gap.

 

🏠🏡🔑🗝️🏠🏡🔑🗝️🏠🏡🔑🗝️Important info below ⤵️

🤠I'm a Realtor in Dallas, TX. If you're looking to move to the Dallas, TX area or a local looking to buy I'd love to help. I'm Veteran (Go Navy!!) and have helped 100s of Texas (and out of towners) buy homes in my pervious life in the mortgage industry (I'm a guidelines nerd). Reach out to work with me.

🤠In the DFW market? Schedule a planning call- https://calendly.com/houserich

⭐If you're looking for a top realtor in your area I can help you with that too. https://calendly.com/houserich/

📧 hello@houserichshow.com

🏡World's Best Home Buying Tips: https://www.youtube.com/@Homebuyingtips

🎙️My Podcast. Homebuying tips on the go: https://www.houserichshow.com/

🏠Join my email list and get a FREE credit repair guideline: https://houserichdave.myflodesk.com/newsletter

📚 New to the page? Start here for 2023 mortgage guidelines https://youtube.com/playlist?list=PLjFvxi72ii9j_J6dfqhvExAhE5lF5otgx

David Ball Dallas Texas Real Estate Agent | Texas Real Estate License: 800326

📽️📺📹🎥

TikTok- https://www.tiktok.com/@houserichdave

IG- https://www.instagram.com/houserichdave/

@houserichdave

Show more...
1 year ago
44 minutes 47 seconds

The 1st Time Homebuyer Show w/ Gizmo by House Rich
176: VA Loans explained, share this info w/ a Vet if you aren't one

Whether you're a Veterans, Active duty service member, civilian or something in between this episode has something for you. We cover the update 2024 VA loan guidelines. Items covered are

VA loans limits

VA loan credit requirements

VA loan residual income requirements

VA loan residual income requirements

What types of properties you can buy with a VA loan

VA funding fees

VA appraisals and more

 

Looking for a home in Dallas? Schedule a call w/ me: https://calendly.com/houserich/dfw

Outside of Dallas? Connect w/ a dope Realtor in your local market: https://homeandmoney.com/houserichdave/

 

This is a show for millennial first time home buyers looking to buy their 1st home and build generational wealth through real estate. Real estate is a way to build black wealth and close the wealth gap.

 

🏠🏡🔑🗝️🏠🏡🔑🗝️🏠🏡🔑🗝️Important info below ⤵️

🤠I'm a Realtor in Dallas, TX. If you're looking to move to the Dallas, TX area or a local looking to buy I'd love to help. I'm Veteran (Go Navy!!) and have helped 100s of Texas (and out of towners) buy homes in my pervious life in the mortgage industry (I'm a guidelines nerd). Reach out to work with me.

🤠In the DFW market? Schedule a planning call- https://calendly.com/houserich

⭐If you're looking for a top realtor in your area I can help you with that too. https://calendly.com/houserich/

📧 hello@houserichshow.com

🏡World's Best Home Buying Tips: https://www.youtube.com/@Homebuyingtips

🎙️My Podcast. Homebuying tips on the go: https://www.houserichshow.com/

🏠Join my email list and get a FREE credit repair guideline: https://houserichdave.myflodesk.com/newsletter

📚 New to the page? Start here for 2023 mortgage guidelines https://youtube.com/playlist?list=PLjFvxi72ii9j_J6dfqhvExAhE5lF5otgx

David Ball Dallas Texas Real Estate Agent | Texas Real Estate License: 800326

📽️📺📹🎥

TikTok- https://www.tiktok.com/@houserichdave

IG- https://www.instagram.com/houserichdave/

@houserichdave

Show more...
1 year ago
12 minutes 58 seconds

The 1st Time Homebuyer Show w/ Gizmo by House Rich
175: Why renting a three-bedroom home is NOT cheaper than owning in 90% of the U.S (or anywhere)

I discuss the bogus concept in the Marketwatch article that "Renting a three-bedroom home is cheaper than owning one in 90% of the U.S" The raw information was compiled by Attom a real-estate data analytics company that looked at single-family home prices between January and November 2023, as well as rental and wage data, for 338 U.S. counties with enough data to analyze

 

Looking for a home in Dallas? Schedule a call w/ me: https://calendly.com/houserich/dfw

Outside of Dallas? Connect w/ a dope Realtor in your local market: https://homeandmoney.com/houserichdave/

 

This is a show for millennial first time home buyers looking to buy their 1st home and build generational wealth through real estate. Real estate is a way to build black wealth and close the wealth gap.

 

🏠🏡🔑🗝️🏠🏡🔑🗝️🏠🏡🔑🗝️Important info below ⤵️

🤠I'm a Realtor in Dallas, TX. If you're looking to move to the Dallas, TX area or a local looking to buy I'd love to help. I'm Veteran (Go Navy!!) and have helped 100s of Texas (and out of towners) buy homes in my pervious life in the mortgage industry (I'm a guidelines nerd). Reach out to work with me.

🤠In the DFW market? Schedule a planning call- https://calendly.com/houserich

⭐If you're looking for a top realtor in your area I can help you with that too. https://calendly.com/houserich/

📧 hello@houserichshow.com

🏡World's Best Home Buying Tips: https://www.youtube.com/@Homebuyingtips

🎙️My Podcast. Homebuying tips on the go: https://www.houserichshow.com/

🏠Join my email list and get a FREE credit repair guideline: https://houserichdave.myflodesk.com/newsletter

📚 New to the page? Start here for 2023 mortgage guidelines https://youtube.com/playlist?list=PLjFvxi72ii9j_J6dfqhvExAhE5lF5otgx

David Ball Dallas Texas Real Estate Agent | Texas Real Estate License: 800326

📽️📺📹🎥

TikTok- https://www.tiktok.com/@houserichdave

IG- https://www.instagram.com/houserichdave/

@houserichdave

Show more...
1 year ago
7 minutes 23 seconds

The 1st Time Homebuyer Show w/ Gizmo by House Rich
174: FHA 203k Rehab loan, the best program ever?

I cover the 2024 updates for the FHA 203K rehab / renovation loan which allows first time home buyers to roll the renovation cost into their loan. The items covered are

-Max FHA 203k Loan amount

-FHA 203k occupancy requirements

-Financing mortgage payments

-FHA 203k limited loan

-HUD consultant

-FHA 203k Standard Loan

-Rates

-Who can do the repairs

-Financing scenarios

-The FHA 203k Process

Looking for a home in Dallas? Schedule a call w/ me: https://calendly.com/houserich/dfw

Outside of Dallas? Connect w/ a dope Realtor in your local market: https://homeandmoney.com/houserichdave/

 

This is a show for millennial first time home buyers looking to buy their 1st home and build generational wealth through real estate. Real estate is a way to build black wealth and close the wealth gap.

 

🏠🏡🔑🗝️🏠🏡🔑🗝️🏠🏡🔑🗝️Important info below ⤵️

🤠I'm a Realtor in Dallas, TX. If you're looking to move to the Dallas, TX area or a local looking to buy I'd love to help. I'm Veteran (Go Navy!!) and have helped 100s of Texas (and out of towners) buy homes in my pervious life in the mortgage industry (I'm a guidelines nerd). Reach out to work with me.

🤠In the DFW market? Schedule a planning call- https://calendly.com/houserich

⭐If you're looking for a top realtor in your area I can help you with that too. https://calendly.com/houserich/

📧 hello@houserichshow.com

🏡World's Best Home Buying Tips: https://www.youtube.com/@Homebuyingtips

🎙️My Podcast. Homebuying tips on the go: https://www.houserichshow.com/

🏠Join my email list and get a FREE credit repair guideline: https://houserichdave.myflodesk.com/newsletter

📚 New to the page? Start here for 2023 mortgage guidelines https://youtube.com/playlist?list=PLjFvxi72ii9j_J6dfqhvExAhE5lF5otgx

David Ball Dallas Texas Real Estate Agent | Texas Real Estate License: 800326

📽️📺📹🎥

TikTok- https://www.tiktok.com/@houserichdave

IG- https://www.instagram.com/houserichdave/

@houserichdave

Show more...
1 year ago
17 minutes 23 seconds

The 1st Time Homebuyer Show w/ Gizmo by House Rich
Giz (the world's cutest dog) & I (experience as a lender, underwriter & Realtor) walk about talk about various home buying news and breakdown mortgage tips and tricks. Between the 2 of use we've help 100s of 1st time homebuyer in real life; we just dont talk about it into a mic. Come walk w/ us & Lets go get those keys !!! -HouseRichDave & Giz