Buying a home in 3 MONTHS? Here’s your gameplan

Buying a home is stressful. And when it takes you over 6 months, loads of wasted time, and the fear that eventually buyers will come out of the woodwork and steal your “dream house” right from under you, it can be downright maddening. But there are steps you can take to make the experience more enjoyable, and even fast. Follow this 90 day plan to win the house you love.

TOP RESOURCES

0:00 Buying a home in 3 MONTHS Here’s your gameplan
2:30 Avoid the doom scroll
4:13 Day 1 - Use your budget
5:37 Day 2 - Start a pre-approval
7:11 Day 3- 4 - Need vs. wants list
9:43 Day 5 - Exit lease & plan to sell
10:55 Day 6-7 - Real estate agent
12:33 Day 8 - Get a home inspector on-board
12:57 Day 11+ - Explore homes
18:50 Make an offer
20:32 Close on your home

— DISCLAIMER —
Kyle Andrew Seagraves is Federal Mortgage Loan Originator (NMLS 1701021) licensed in all 50 states with the Dan Frio Team at Allied First Bank (NMLS 203463), an Equal Housing Lender. Separately, Kyle owns Win The House You Love LLC, an education company. Win The House You Love LLC is not a lender, does not issue loan qualifications, and does not extend credit of any kind. This video is only for educational usage. All calculations should be verified independently. This video is not an offer to lend and should not be used directly to make decisions on home offers, purchasing decisions, or loan selections. Not guaranteed to provide accurate results, imply lending terms, qualification amounts, or real estate advice. Seek counsel from a licensed real estate agent, loan originator, financial planner, accountant, and/or attorney for real estate, legal, and/or financial advice. Allied First Bank is not affiliated with the VA, FHA, or any other government agency. This video has not been approved by any government agency.

[Shanvle]

Doom scrolling is one of my favorite past times😂

[jessicanecor]

There's also the saving phase :) took me 18 months to save $40k for my DP/CC on my own without help. Long af but doable with patience!

[portiabartel]

Don't just walk the neighborhoods you're looking around them at night. When you live in a city, a place can look nice in the daytime, but turn sketchy at night. It's changed how we look for places to live.

[ClassicGoldCigarettes]

We doom scrolled for a LONG time and I would easily get upset when houses I liked went under contract. Once we went through the pre-approval process and found a realtor, everything went really fast. In the time span of about 3 weeks, we saw about 6 houses, made 3 offers and are currently under contract in the home appraisal stage. We're so close I can't wait!

[ouchiexo]

I’ve been looking since 2021 for my first home and your videos helped educated and guided me on so much . I finally closed on my first home March 22.

[aimlessweekenders]

“Seeing homes and wondering and why you’re not able to purchase one” 😂 definitely me as I scroll through Zillow.

[kristenmarielle]

Thank you for your video. I’m a single woman in my 30s ready to buy my first house and I don’t talk to my dad or have trust worthy people in my life to do this with me and I’m grateful for you 😊

[masonnichols]

Man! It's obvious you put a lot of work into this. Great work! It's very helpful!

[Hateraz]

I really recommend you get a preapproval and use your buyer agent to your outmost advantage, if he is any good you will get many comps before you even make an offer to a home. As soon as a home enters the market the buyer agent will send an updated list of homes you have yet to see in your approval range. I got my preapproval in July 2022 by 3 different banks but my personal bank provided best offer and had a bonus that covered $3000 in closing cost, was shown about 10 homes, made 3 different offers and closed on 1. Buyer agent was able to recommend title agency, insurance, and home inspection. Really made it simple. First time home buyer.

[lizardman]

Timing your home buying around the time your lease is up .
Give your self about 6 months to clean up your credit.
Talk with your lender on what paperwork u will need to provide and put it all in a folder that’s easily accessed .
Build your down payment and it has to have aged in your bank account so they know it’s your money .
Fix your debt to income ratio .
Have email access on your phone so u can give all the necessary info that u have in your folder in a timely manner and follow the same day to make sure they got it this cut down the buying process a lot .

[carlosb.]

Me and My fiance looked at houses for 1 day with a realtor. We came with a list of addresses we were looking at, and made the decision on what house to buy that same day. I was seeing too many bad deals (after we saw what was on the inside) for weeks online and recognized a decent deal even if it felt too soon to find and take. I'm very satisfied with our purchase, especially in the market we were looking at. Funny enough, most of what you are saying is things we did. Only thing i would on at the begginning is make sure you are REALLY looking for a house. It feels like a lot of people treat it like window shopping for a house vs really getting into it, and then they let a good deal slip by and refuse anthing less than what they found while they were only window shopping.

[smallpeople]

Hi! I’m a realtor - most closing processes take at least 60 days. Some take a lot longer, I just worked on closing a co-op sale with a difficult board, and that closing took well over 75 days.

[mostmost]

I have a 2 year plan. Knocking debt down completely and adding income. Plus fixing up my current home. Im selling and moving out of state.

[TheSincereSeek]

Thanks for the info! ZILLOW DOOMSCROLLING IS SOOOO REAL! 🤣 Nice haircut, btw!

[calliethompson]

I watched this video two weeks ago, got my mortgage broker and realtor in the same week, house shopped and put in an offer in the same day, and now my closing date is in 40 days. I was expecting everything to take months, but I guess I found the right mortgage lender, realtor and home at the right time. Fingers crossed!

[YorinLuck]

Put this to work and closed on a home last week! Took longer than I expected (It was new construction) but otherwise everything in this video was right on the money. Legitimately reviewing needs versus wants BEFORE going on an engaged house search was a massive help in filtering through listings.

[krishubert]

I followed your steps and have been in my home since 2022! At 28 all I can say is it can be done. Thank you for all the amazing info. We would not have gotten this far without you.

[ShabbaBabba]

Anxiety and frustration. Nailed it right on the head. Are you a therapist on the side? Lol

No but seriously this was very helpful, comforting, and substantive. The most frustrating part lately has been the lack of inventory= lack of affordable homes.

[marvinperez]

This is all great advice 👍 👌. A house is not an asset it takes money out of your pocket . You pay a mortgage, maintenance, taxes, insurance, and utilities yearly. Buy within your means and enjoy your home stress free ✨️ 😉

[alexwalker]

Here’s the problem. People that are in “decent shape” enough to buy a home “right now”…are technically only ready to buy when it was 4 years ago. Yes, 2019. People still make what they make, but prices and rates are WAY higher, and there’s no “affordable” home inventory.
I went from being prequalified for upwards of $380k a year ago, to $150k now because of rates.
There weren’t any homes I could afford in my area when rates were 2.7%. Prices haven’t gone done, not many starter homes hitting the market at all.
What’s the point?
Worst time in history to buy.