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Tulsa Mortgage : Podcast 11 – Part 1

Tulsa Mortgage  Will him him a to know you run the fence we’re still coming down weight on its like it’s the software does it good good and I got my TIR what okay with her topic to starting with how much how do you know how much time do I episode 11 over this, rude and just a tad she happens right started off this is episode 11 of the Steven Tyler show kickoff now and a is why they are.com here and we are starting our as we set 11th episode here of the Steven Tyler show we talk about Tyler Tulsa mortgage Colorado mortgage Springs mortgage Alamosa mortgage private mortgage Columbia Missouri mortgage Columbia mortgage less Farmington mortgage Farmington New Mexico that’s right up front talk about those with special guest tonight for a few episodes were this and that is 210 well to unannounced to drum roll that are vulnerable something something needs to be him Mr. Brian Newport Brian Neuwirth is a Michelle Brian how are you today I’m going are you guys were doing also great Brian is in from Colorado Springs mortgage lender up there so Brian I know that you dysfluent on an airplane and the talking tonight about how to know how much home by and talk about you know three things the buyer should know one of them being know the next payment that you’re comfortable with because it’s pretty important thing now note their

Tulsa Mortgage  Tyler what you’re comfortable with the next date your comfort with in the next failure renderer is comfortable with because this can become two completely different things and then what’s with the run their Tyler know how much money down you will need if any see my nine it but but she better be prepared for your bring to the table as we see it all the time right your realtor at the contract of vicious at last week actually the contract was a second all hundred and 90,000 and the social of the 5000 and be able and there were like the buyer Brian is saying on a breathing to the point will closing costs or $6400 so you do the math there brought how much of to the about 1400 you so guess what happens your not prepared for how much money you will need and so that’s where you will make sure that you and those my notable quotable like a jump right into our are notable quotable after 3 million points remember those my realtor told me I would have to bring 5000 the table what so listen here’s a lesson fromreviews this five of you that are on your watching Abram radius of IFI I found the sky on the microphones I work with my golf shirt saga comments come on Facebook so look to talk your realtor about how much money you bring to the table Brian do not talk to realtor out like you to get in touch with your monthly

Tulsa Mortgage  payment is absolutely not really talk to talk to your lender you talk to lender about your loan your realtor finds the property for your lender does for the time anything about that you are realtor Jeff Ellis you completely incompetent and/or just you knew your job I knew how to negotiate a contract but I had no idea what somebody payment was in a meeting I was ended up and down is not my do so was that done over a beer with the lender and so will alone with a red China Gossard on that site that’s right Bromley that’s right that’s out goes so listen that’s a big thing that’s why put is a call regarding like what I hear from buyers more than bike actually too much and you know as a lender you got it be right in the buyer space about this stuff is just you know don’t talk your realtor about what you’re bringing to the table mean honestly do not do that because at the end of the day you’re going to be seven mistaken what else do not talk to realtor outbreak of your time at the Max payment your cover with Tyler what’s another thing experienced recently in that realm November I don’t understand I mean… I want take I put on fresh off the golf course that’s wonderful golf will golf analogies here a lot take a call IT and I put it down on the ground and I put a ball right on top of it in a mighty Tyler just take a shot in your light is removed to Steve is the one who are due by shot take the freaking shot in your right I to talk about boss man so okay we talked about this earlier my realtor told me my pain of it was I think we get to that teatime show was you are trying to set me up for like later it for later for sure to thought days your question the promotion talk to

Tulsa Mortgage  your realtor our your payments innovative or how much money you bring to the table will be painful for you what you think is what comes out we just want make sure you have a surprises into and when you’re expecting that your realtor knows how much money are bringing what your monthly payment is usually be surprised as we comes to so and that’s the the kids they sifted that’s this the test the soundboard to step on that’s all… (That button so how do you know the Max payment your company with those of every Brian Dunn home loans – I don’t know for a long time so that one of the things that I’ve experienced with buyers is regardless of what I tell them that the qualified for a lot of times people have like a predetermined number of their head of what they are called with of the experiences of units correct a lot of times they you add this imaginary number that they think is the right number that’s not as I comfortable with that I mean tell me what I qualify please but I mean I’m not paying more than 1000 bucks a month for mortgage company right so when we talk about know the Max payment to your company with that’s where a lot of people I think Miss the boat because they haven’t figured out not just like I think they know what they’re Max payment is Brian but they don’t know what that gets that’s correct

Tulsa Mortgage  of sometimes which comes to my statistic those talk about the stat which is completely made up because that’s what all statistics are immune they say estimated 67% of all statistics are made up on the spot including a so so I said 40% of homebuyer start looking at houses before they know what they’re qualified for in the Lacey (or this is completely made up because it is so Tyler talking about that like how many times have you taken an application from someone and they said why defend house everyday and what he did the own I can come in really a lot of times he will go out with houses before they had any clue what they’re qualified for what they’re going out the bring to the table and then if there already contract our house before we has conversation then it’s just setting him up for our break immediately became tenacity Just because they are qualify but because their expectation what their payment is and what they’re actually going to pay are two different things exactly exactly normally is thumbing there’s the rare few that are great and they have it all figured out they should probably mortgage brokers themselves are lenders or bankers or whatever either I find more than not that they they fail to add the taxes and interest in the property you desire to excel in our last thousand nonpayment and yet want you add the

Tulsa Mortgage  taxes and insurance at 1400 for Exactly Well Tyler that the new Max payment that you are comfortable with in the Max Payne that your lenders coupled with can often be two completely different things and that’s why that’s that’s important because 40% of homebuyer’s native statistic us that we can pass without the qualify for but it’s not just that your payment can be higher than you expected it can be higher and bilingual call qualify KOA LI FY fiancé you like it’s not like all okay well it is 1200 and 7000 but I’m comfortable with that know it’s like you qualify rough like you’re not going to buy it because you’re making of money on people don’t realize I mean if you make a rent payments $1100 a month and use automatically think that you can afford a house payment is $1100 a month your comfortable with that your arty thing but when she can us and accept the qualify sort of a different you’re exactly right so here’s the thing it’s not that like it’s a like a death sentence if you go find a house and decide