My Brother Almost Got SCREWED By A TikTok Realtor!

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#realestate #firsttimehomebuyer #javiervidana

[ykdavid]

I wish I made $6500 a month and wasn't smart enough to know the government took 20% every paycheck.

[nicolcacola]

Guy says 13, 475 "bucks" like its chump change

[Hammer.J.Helmer]

The mortgage pro is the one who should be running numbers - not an agent EVER. The lender is going to be the one to qualify you and give you the money.

[Eilvain]

MIL was stating she saw a realtor on tiktok saying you can buy a home in CA for $500/month 😂 Where?!

[AndresHerrera]

Man, I wish I had known about your local channel sooner.

[amIcrazyorisittheworld]

Bro was speaking facts, this is a great channel! When he said Golden jail cell I was like whoa so true. It’s great to get a manageable low payment starting off because most won’t tell you but year to year your mortgage payment could go up depending on how taxes change in that area. Me and wife in the past 2 year of owning a home went from paying a difference of 300$ in our mortgage because taxes went up in our area

[pseven]

I think the audio spiked a the last 5 seconds 😂

[renelopez]

I've seen so many lenders and agents tell buyers 40% gross income for a house is the norm!

This isn't a good idea..

They are promoting, just refinance later.

[adro]

Hey bro can you do a video regarding 1099 earners that try to apply for a loan

[suboo]

These home prices are ridiculous tired of this crap

[Shanetta]

hey Javier, can you do a video touching on simple interest mortgage loans that accrue daily vs traditional mortgage loans monthly

[misterogers]

Do you factor in taxes and homeowner's insurance into these numbers?

[Mona-ybin]

Ok, we all want to know: why not use NET income in the first place?? Is it because fewer people will qualify, hence fewer sales?

[iGotViet]

Javier I am astounded right now at what I qualify for. 4k monthly payment with 7k after tax income. I think risky lending practices are back and it’s only a matter of time before we have a wave of foreclosures. The people who have bought homes recently are being set up for failure.

[mikemena]

Javier I enjoy watching your videos for sure. Though I agree with the conservative take on how people shouldn’t max out how much they can qualify for, the reality is that for many people the monthly payments that you recommend they seek out don’t exist anymore in many areas with current prices and rates. That only leaves saving up more money for a bigger down payment which can take more time while interest rates or home prices continue to rise (if not both). I know this isn’t the case for all, but my income has increased since buying my home a few years ago so even though I bought under circumstances that you wouldn’t recommend, it can work out better down the line if other economic factors improve like lowering debt, getting rid of PMI, etc. I’m more of a believer of seizing an opportunity now when it’s presented to you and then making it work. People always have the option of getting a 2nd job, cutting down on expenses, etc. Anyway, just wanted to point out that certain people might be discouraged from buying when watching videos like this when in some cases this may be the only chance they will ever have to buy in their lifetime. Still like you videos and will still keep watching 😆👍

[bernitup]

why does not your brother get with you to get his actual situation... tiktok is a mess.

[carlos-ikpc]

fire your barber if he the one that gives you that nappy hair