Are you a first time home buyer stressing out because of the Home Buying Process? Are you finding the process of buying a house to be emotional, anxiety ridden and stressful? In this video, we discuss some things you can do for your mental health to help have a better home buying experience with less stress and more success

Watch this NEXT ⏩ What to EXPECT when buying a house in 2021 – First Time Home Buyer Advice – https://youtu.be/CYk9oPAEjR8

RESOURCES:
🏠 – First Time Home Buyer Course – http://www.becominghomewise.com
✅ – Get a Referral to a Mortgage Lender or Realtor – http://www.jebsmith.net/referral

AFFLIATES:
🏡Want to become a Real Estate Agent – https://trk.realestateexpress.com/?a=…

Connect with me 👇
Jeb Smith (huntington beach Realtor/orange county real estate)
DRE 01407449
Coldwell Banker Realty
➡I N S T A G R A M ➳ https://www.instagram.com/jebsmith

Does the recent rise in Foreclosures and end of Mortgage Forbearance mean that there’s a Housing Crash Looming? Should you Buy Now or Wait for a Change in the Housing Market? Is the Housing Bubble about to Pop? In this video, we discuss how I was wrong about the housing market and what I expect to see in Real Estate over the next few months as we head into the 2022 Housing Market.

Buy NOW or WAIT? The Housing Market is about to CHANGE! ⏩ Watch this NEXT ⏩ https://youtu.be/D36mkj79SzI

RESOURCES:
🏠 – First Time Home Buyer Course – http://www.becominghomewise.com
✅ – Get a Referral to a Mortgage Lender or Realtor – http://www.jebsmith.net/referral

AFFLIATES:
🏡Want to become a Real Estate Agent – https://trk.realestateexpress.com/?a=…

Connect with me 👇
Jeb Smith (huntington beach Realtor/orange county real estate)
DRE 01407449
Coldwell Banker Realty
➡I N S T A G R A M ➳ https://www.instagram.com/jebsmith

What’s happening with California Real Estate? What’s happening with Orange County Real Estate? What’s the future of house prices in California? Should I buy now or wait? In this video, we discuss the California Housing Market Forecast 2022 as well as what’s currently happening in the Real Estate Market.

California House Prices INCREASE while Buyer Demand Drops? Watch this NEXT ⏩ – https://youtu.be/pZPRmu4PLps

C.A.R. releases its 2022 California Housing Market Forecast – https://www.car.org/aboutus/mediacent…

RESOURCES:
🏠 – First Time Home Buyer Course – http://www.becominghomewise.com
✅ – Get a Referral to a Mortgage Lender or Realtor – http://www.jebsmith.net/referral

AFFLIATES:
🏡Want to become a Real Estate Agent – https://trk.realestateexpress.com/?a=…

Connect with me 👇
Jeb Smith (huntington beach Realtor/orange county real estate)
DRE 01407449
Coldwell Banker Realty
➡I N S T A G R A M ➳ https://www.instagram.com/jebsmith

Are you sitting on the sidelines waiting for a housing crash to buy a house? Are you expecting house prices to drop with rising interest rates? Should you buy now or wait? In this video, we discuss the future of house prices after reviewing the latest news from Goldman Sachs regarding their Housing Market Forecast as well as a recent Home Price Expectation Survey of over one hundred economists, real estate experts and investment and market strategists regarding their estimates of cumulative appreciation over the next five years.

Mortgage Lenders Offering Interest Rates at 1.75% ⏩Watch this NEXT ⏩ – https://youtu.be/K7P_23qlcxI

RESOURCES:
🏠 – First Time Home Buyer Course – http://www.becominghomewise.com
✅ – Get a Referral to a Mortgage Lender or Realtor – http://www.jebsmith.net/referral

AFFLIATES:
🏡Want to become a Real Estate Agent – https://trk.realestateexpress.com/?a=…

Connect with me 👇
Jeb Smith (huntington beach Realtor/orange county real estate)
DRE 01407449
Coldwell Banker Realty
➡I N S T A G R A M ➳ https://www.instagram.com/jebsmith

Are you a first time home buyer wondering if an FHA loan is right for you? In this video, we discuss the 2021 FHA Loan Requirements for Down Payment and Credit Score along with the reason that many home buyers have trouble qualifying for FHA Loans even when they meet the FHA Guidelines, in addition, to why it is better to focus on getting a higher credit score than working on more down payment.

Questions about FHA Loan 2021 – FHA Loan Requirements ⏩Watch this NEXT ⏩ https://youtu.be/JwGB0CEZOww

How to increase your credit score fast in 2020 – https://youtu.be/FhC3ZRcfRKc

RESOURCES:
🏠 – First Time Home Buyer Course – http://www.becominghomewise.com
✅ – Get a Referral to a Mortgage Lender or Realtor – http://www.jebsmith.net/referral

AFFLIATES:
🏡Want to become a Real Estate Agent – https://trk.realestateexpress.com/?a=…

FHA loan 2021 requirements

✅FICO® score at least 580 = 3.5% down payment.
✅FICO® score between 500 and 579 = 10% down payment.
✅MIP (Mortgage Insurance Premium ) is required.
✅Debt-to-Income Ratio less than 43%. (Actually you can go much higher than this)
✅The home must be the borrower’s primary residence.
✅Borrower must have steady income and proof of employment.

What is a fha loan? An FHA insured loan is a US Federal Housing Administration mortgage insurance backed mortgage loan that is provided by an FHA-approved lender.

➡ What is fha mortgage insurance? Mortgage insurance is a policy that protects lenders against losses that result from defaults on home mortgages. FHA requires both upfront and annual mortgage insurance for all borrowers, regardless of the amount of down payment.
➡ What is the current upfront mortgage insurance premium for fha loans? The UPMIP is currently at 1.75% of the base loan amount. This applies regardless of the amortization term or LTV ratio.

I hope you appreciate this update on fha loans for first time home buyers for the housing market 2021 california as well as this real estate market update from your local Huntington Beach Real Estate Realtor, Jeb Smith.

Please let me know your thoughts below: what are your predictions for the housing market 2022 forecast and the housing market 2022 california? After watching this video, do you believe you should be buying a home this year or if now is the best time to sell a house?

Do you believe a house market crash 2022 or real estate bubble will happen? If so, why? What are your thoughts on the Orange County real estate market and the potential real estate crash for orange county real estate?

Connect with me 👇
Jeb Smith (huntington beach Realtor/orange county real estate)
DRE 01407449
Coldwell Banker Realty
➡I N S T A G R A M ➳ https://www.instagram.com/jebsmith

Should you buy now or wait for a housing crash? There’s a change that’s about to happen in the Housing Market that is likely going to create MORE buyer demand and continue to drive house prices upward. In this video, we discuss how these changes will keep buyer demand strong and the real estate market moving full stream ahead as we head into the 2022 Housing Market

Mortgage Lenders Offering Interest Rates at 1.75% ⏩Watch this NEXT ⏩ – https://youtu.be/K7P_23qlcxI

RESOURCES:
🏠 – First Time Home Buyer Course – http://www.becominghomewise.com
✅ – Get a Referral to a Mortgage Lender or Realtor – http://www.jebsmith.net/referral

AFFLIATES:
🏡Want to become a Real Estate Agent – https://trk.realestateexpress.com/?a=…

Connect with me 👇
Jeb Smith (huntington beach Realtor/orange county real estate)
DRE 01407449
Coldwell Banker Realty
➡I N S T A G R A M ➳ https://www.instagram.com/jebsmith

Are you a real estate investor, house flipper or first time home buyer looking to buy distressed property, fix it up and sell it for more money? Maybe you’re just starting real estate investing and looking to do the BRRRR strategy where you Buy, Rehab, Rent, Refinance and Repeat? In this video, we are going to discuss 5 Mistakes to AVOID when FLIPPING Property & BRRRR Investing.

Already own a home or doing BRRRR? WATCH THIS NEXT – 5 Mistakes to AVOID when refinancing – https://youtu.be/en2vD13t37A

RESOURCES:
🏠 – First Time Home Buyer Course – http://www.becominghomewise.com
✅ – Get a Referral to a Mortgage Lender or Realtor – http://www.jebsmith.net/referral

AFFLIATES:
🏡Want to become a Real Estate Agent – https://trk.realestateexpress.com/?a=…

Connect with me 👇
Jeb Smith (huntington beach Realtor/orange county real estate)
DRE 01407449
Coldwell Banker Realty
➡I N S T A G R A M ➳ https://www.instagram.com/jebsmith

Are you constantly watching Youtube looking for a Housing Market Update? Should you Buy now or wait? Is there a housing crash coming or a foreclosure wave on the horizon? STOP. In this video, I’m not only going to give you a housing market update but I’m going to tell you why you should stop watching Youtubers discuss the Housing Market on the daily basis, it’s not only counter productive but there’s a lot of bad information floating around and it’s information overload and may actually be giving you wrong information.

Is the Housing Market Boom Really OVER? Watch this NEXT ⏩https://youtu.be/vAuW-_S7te4

RESOURCES:
🏠 – First Time Home Buyer Course – http://www.becominghomewise.com
✅ – Get a Referral to a Mortgage Lender or Realtor – http://www.jebsmith.net/referral

AFFLIATES:
🏡Want to become a Real Estate Agent – https://trk.realestateexpress.com/?a=…

Connect with me 👇
Jeb Smith (huntington beach Realtor/orange county real estate)
DRE 01407449
Coldwell Banker Realty
➡I N S T A G R A M ➳ https://www.instagram.com/jebsmith

Are you a homebuyer or a homeowner in the state of California. If so, how will SB 8, SB 9 and SB 10 affect you as well as any real estate that you own? What is SB9? What is SB10? In this video, we are going to discuss the three different housing initiatives that Governor Gavin Newsom signed into law that is supposed to address the statewide housing affordability issue in California.

California House Prices INCREASE while Buyer Demand Drops Watch this NEXT ⏩ – https://youtu.be/pZPRmu4PLps

August Home Sales and Home Prices Report – https://www.car.org/aboutus/mediacent…

RESOURCES:
🏠 – First Time Home Buyer Course – http://www.becominghomewise.com
✅ – Get a Referral to a Mortgage Lender or Realtor – http://www.jebsmith.net/referral

AFFLIATES:
🏡Want to become a Real Estate Agent –https://trk.realestateexpress.com/?a=…

What is SB9 and SB10?

Senate Bill 9 (SB9)— introduced by Senate leader Toni Atkins, a San Diego Democrat, as the centerpiece of her affordable housing package — will allow most homeowners to build two homes or a duplex on a plot zoned for a single house, and in some cases, split their lot and build two additional homes, starting on Jan. 1. The total number of units on a single lot is limited to four.
The criteria for eligible homes is pretty lengthy, and notably excludes those in environmentally-sensitive areas and in historic districts, as well as those that are subject to deed restrictions or rent control, or that have been occupied by a tenant in the last three years. To split a lot, neither of the parcels can be smaller than 1,200 square feet, and the homeowner must sign an affidavit they will remain in the house for the subsequent three years — designed as a guardrail against potential speculation. Out of 7.5M CA households on about 400K make sense to build according to a study done by UCLA

Senate Bill 10 (SB10), authored by Sen. Scott Wiener, a Democrat from San Francisco. It allows a city to bypass environmental review to build as many as 10 units on a single-family parcel near a transit hub or urban infill developments.

Senate Bill 8 (SB8), which extends through 2030 an existing law that accelerates the approval process for housing projects and limits fee increases on housing applications at the local level.

Connect with me 👇
Jeb Smith (huntington beach Realtor/orange county real estate)
DRE 01407449
Coldwell Banker Realty
➡I N S T A G R A M ➳ https://www.instagram.com/jebsmith

How will rising interest rates affect the housing market? Will higher mortgage rates lead to lower house prices? What should we expect in the Housing Market as we move into 2022? How did the recent rise in interest rates affect monthly payments? When should you lock your mortgage loan? In this video, we discuss all of these questions and provide you with an interest rate forecast for 2022.

Watch this NEXT ⏩Mortgage Lenders Offering Interest Rates at 1.75%…https://youtu.be/K7P_23qlcxI

RESOURCES:
🏠 – First Time Home Buyer Course – http://www.becominghomewise.com
✅ – Get a Referral to a Mortgage Lender or Realtor – http://www.jebsmith.net/referral

AFFLIATES:
🏡Want to become a Real Estate Agent – https://trk.realestateexpress.com/?a=…

Connect with me 👇
Jeb Smith (huntington beach Realtor/orange county real estate)
DRE 01407449
Coldwell Banker Realty
➡I N S T A G R A M ➳ https://www.instagram.com/jebsmith