WEBVTT - How to Hide Your Address By Buying Your Primary Residence Through An LLC

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<v Speaker 1>An illegal alien from Guatemala charged with raping a child

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<v Speaker 1>in Massachusetts. An MS thirteen gang member from Al Salvador

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<v Speaker 1>accused of murdering a Texas man of Venezuelan charged with

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<v Speaker 1>filming and selling child pornography in Michigan. These are just

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<v Speaker 1>some of the heinous migrant criminals caught because of President

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<v Speaker 1>Donald J. Trump's leadership. I'm Christy nom the United States

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<v Speaker 1>Secretary of Homeland Security. Under President Trump, attempted illegal border

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<v Speaker 1>crossings are at the lowest levels ever recorded, and over

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<v Speaker 1>one hundred thousand illegal aliens have been arrested. If you

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<v Speaker 1>are here illegally, your next you will be fined nearly

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<v Speaker 1>one thousand dollars a day, imprisoned, and deported. You will

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<v Speaker 1>never return. But if you register using our CBP home

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<v Speaker 1>app and leave now, you could be allowed to return legally.

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<v Speaker 1>Do what's right. Leave now. Under President Trump, America's laws,

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<v Speaker 1>border and families will be protected.

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<v Speaker 2>Sponsored by the United States Department of Homeland Security. You

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<v Speaker 2>made a video.

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<v Speaker 3>I think about this when putting a house in your

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<v Speaker 3>name as opposed to putting a house not in your

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<v Speaker 3>name so people can't find out.

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<v Speaker 2>Where you live.

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<v Speaker 3>Different things of the nature yeah, what's the what's the

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<v Speaker 3>deal with that? So, when you're buying a property, and

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<v Speaker 3>if you're using a non QM loan, a non QM

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<v Speaker 3>loan is a non qualified mortgage that basically means that

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<v Speaker 3>Fannie Mae, Freddie mac fha VA won't purchase that loan

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<v Speaker 3>in the secondary market. Right this is a portfolio loan,

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<v Speaker 3>which more non traditional lenders will use for non traditional buyers.

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<v Speaker 3>Right now, if you're buying a primary residence, there are

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<v Speaker 3>several lenders out there that will allow you to buy

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<v Speaker 3>that primary residence in your LLC name. Right we are

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<v Speaker 3>living in the post pandemic era where a lot of

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<v Speaker 3>people have made a lot of money over the past

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<v Speaker 3>two years, and folks are buying you know, their mini

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<v Speaker 3>mansions and their the mansions right now. And if you

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<v Speaker 3>don't want the world to be able to find you,

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<v Speaker 3>the best way is to put it in a LLC.

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<v Speaker 3>So that way they can't google your name and find

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<v Speaker 3>you because it's in the LLC. So now the mortgage

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<v Speaker 3>is in the LLC name, the deed of the properties

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<v Speaker 3>in the LLC name. You own the LLC, the LLC

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<v Speaker 3>owns the property, so it's the same. It's the same

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<v Speaker 3>way as if you're buying investment properties and putting in LLC,

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<v Speaker 3>but this just so happens to be your primary residence.

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<v Speaker 3>So there's several lenders that out there that will allow

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<v Speaker 3>you to do this. But again, interest rates wise, right

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<v Speaker 3>now non QM loans is going to be in that

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<v Speaker 3>seven to nine percent range, just depending on the lender

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<v Speaker 3>and the deal that you're doing, but it can get done.

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<v Speaker 3>I've done several loans like that over the past twenty

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<v Speaker 3>four months where I'm working with celebrities or influencers and

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<v Speaker 3>we're using these products to kind of shield their identity.

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<v Speaker 3>And then also when you set up the LLC, and

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<v Speaker 3>it's gonna be a brand new LLC too. By the way,

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<v Speaker 3>it doesn't need to established business credit. You can have

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<v Speaker 3>a minimum of a six forty credit score. Obviously, the

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<v Speaker 3>lower the credit score, the higher interest rate. But the

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<v Speaker 3>key to this is when you open up the LLC.

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<v Speaker 3>You know what it says you open an LLC, It

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<v Speaker 3>says registered agent. You don't put your name there as

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<v Speaker 3>the registered agent. Because if someone looks in some way

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<v Speaker 3>somehow finds that LLC and your the name is the

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<v Speaker 3>registered agent, then obviously they're going to know you own it,

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<v Speaker 3>so you got to have another registered agent's name there.

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<v Speaker 2>So that way you showed it as well.

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<v Speaker 3>But yeah, that's a play right now that we're using

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<v Speaker 3>on a daily basis and my mobile. It's the highest

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<v Speaker 3>interest it's a higher interest rate. It's gonna if you

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<v Speaker 3>have a lower credit score, but if you have seven

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<v Speaker 3>hundred plus credit scores, because you're still personal guaranteeing the loan.

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<v Speaker 3>I want to make that clear too. Although it's going

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<v Speaker 3>in the LLC's name, you as the owner, are personal

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<v Speaker 3>guaranteeing it.

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<v Speaker 2>So if you.

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<v Speaker 3>Try to skip down and not pay the bank, okay,

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<v Speaker 3>they're gonna just put it on your personal credit and

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<v Speaker 3>then they're going to come after you. So yes, the

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<v Speaker 3>higher credit score, the lower the interest rate, and then

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<v Speaker 3>today's market, that lower rate will represent probably somewhere in

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<v Speaker 3>the sevens the higher nine ten percent, especially if you're

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<v Speaker 3>not low six hundred credit score.

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<v Speaker 4>So, are there are ways and I saw you post

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<v Speaker 4>this as well, are there ways to lower.

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<v Speaker 2>The interest rate?

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<v Speaker 4>Obviously we've seen them going up over the past twelve

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<v Speaker 4>months and come down slightly over the past month or so,

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<v Speaker 4>are there ways that we can use or strategies we

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<v Speaker 4>can use to lower our interest rates when it comes to.

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<v Speaker 2>Finance, and all for primary residences or I let's.

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<v Speaker 4>Take primary and maybe I guess so yeah.

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<v Speaker 3>So if we're talking the traditional route right conventional FHA,

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<v Speaker 3>you could do what's called a two to one by

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<v Speaker 3>down right now, two to one buy down is it

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<v Speaker 3>used to be popular during the wild cowboy days. It

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<v Speaker 3>was totally underwritten different, but now I like the way

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<v Speaker 3>the program is. So basically, essentially, as a two to

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<v Speaker 3>one buy down, you need to sell this concession, the

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<v Speaker 3>fundness buy down. You the borrower, cannot use your own

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<v Speaker 3>moneies to do the two one buy down. So how

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<v Speaker 3>it works is a lender, let's just say you're doing

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<v Speaker 3>the FHA loan. Let's just say today's race five and

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<v Speaker 3>a half percent on the thirty year fix. For example,

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<v Speaker 3>the first year your interest rate will be three point

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<v Speaker 3>five percent, the second year the rate will be four

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<v Speaker 3>point five percent, and year three to maturity date will

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<v Speaker 3>be the note rate of five and a half percent.

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<v Speaker 3>So the lender will determine how much money are you

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<v Speaker 3>saving between three and a half percent and five and

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<v Speaker 3>a half percent and four and a half percent and

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<v Speaker 3>five and a half percent.

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<v Speaker 2>Ernest, what's up?

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<v Speaker 5>You ever walk into a small business and everything just

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<v Speaker 5>works like The checkout is fast, the receipts are digital,

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<v Speaker 5>tipping is a breeze, and you're out the door before

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<v Speaker 5>the line even builds. Odds are they're using Square. We

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<v Speaker 5>manage inventory, and run their business with confidence, all from

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<v Speaker 5>just thinking about launching something soon, Square is hands down

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<v Speaker 5>visit Square dot com backslash, go backslash eyl to learn more.

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<v Speaker 5>can keep pushing your vision forward. This episode is brought

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<v Speaker 5>to you by P and C Bank. A lot of

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<v Speaker 1>An illegal alien from Guatemala charged with raping a child

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<v Speaker 1>in Massachusetts. An MS thirteen gang member from Al Salvador

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<v Speaker 1>accused of murdering a Texas man of Venezuelan charged with

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<v Speaker 1>filming and selling child pornography in Michigan. These are just

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<v Speaker 1>some of the heinous migrant criminals caught because of President

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<v Speaker 1>Donald J. Trump's leadership. I'm Christy nom the United States

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<v Speaker 1>Secretary of Homeland Security. Under President Trump, a tempted illegal

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<v Speaker 1>border crossings are at the lowest levels ever recorded and

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<v Speaker 1>over one hundred thousand illegal aliens have been arrested. If

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<v Speaker 1>you are here illegally, your next you will be fine

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<v Speaker 1>nearly one thousand dollars a day, imprisoned and deported, you

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<v Speaker 1>will never return. But if you register using our CBP

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<v Speaker 1>home app and leave now, you could be allowed to

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<v Speaker 1>return legally. Do what's right, leave now. Under President Trump

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<v Speaker 1>America's laws, border and families will be protected.

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<v Speaker 2>Sponsored by the United States Department of Homelandsecurity.

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<v Speaker 3>So let's just say over those two years, you're saving

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<v Speaker 3>a combination of ten thousand dollars, right, you need to

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<v Speaker 3>get a sealess concession of ten thousand dollars to fund

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<v Speaker 3>that to one by down and that essentially will give

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<v Speaker 3>you the opportunity to have a lower rate for the

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<v Speaker 3>first couple of years. It's kind of like the teaser rate,

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<v Speaker 3>so it will be but it's a thirty year fixed program.

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<v Speaker 3>And the idea behind this is, and this is why

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<v Speaker 3>Linda started bringing this program and back when rates jumped up,

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<v Speaker 3>is because you know what, lenders are still going to lend.

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<v Speaker 3>We're going to be creative, We're going to figure this

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<v Speaker 3>shit out. Right, it's totally illegal, so we're going to

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<v Speaker 3>bring back products that makes both sense and sense for

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<v Speaker 3>all parties involved. This is a way to make home

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<v Speaker 3>ownership affordable over the first couple of years while we

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<v Speaker 3>ride the wave of this current cycle, and when rates

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<v Speaker 3>tick down, there's going to be a refinance boom in

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<v Speaker 3>the next twelve to eighteen months, maybe sooner right now.

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<v Speaker 3>Another way is to buy down points. Buying down points now,

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<v Speaker 3>you can fund this with a salize concession, or you

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<v Speaker 3>can use your cash out of your bank account to

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<v Speaker 3>buy down points, and it's part of your closing costs

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<v Speaker 3>as well. And one point is equivalent of one percent

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<v Speaker 3>of the loan amount, So if you're buying, let's just

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<v Speaker 3>say it's a five hundred thousand dollars loan, one point

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<v Speaker 3>is five thousand dollars, and that will bring your rate down,

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<v Speaker 3>depending on the lender, a quarter of a point to

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<v Speaker 3>three eighths of a point. So if it's off at

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<v Speaker 3>five and a half, you brought a point, it will

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<v Speaker 3>go to five point one two five percent or five

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<v Speaker 3>and a quarter on a thirty year fix. And and

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<v Speaker 3>each point you buy will knock down quarter to three

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<v Speaker 3>as of a point, So that's also another way that

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<v Speaker 3>you can bring down your interest rate. But ultimately, the

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<v Speaker 3>way to lock in the lowest rates possible is to

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<v Speaker 3>have the highest possible credit score that you can have,

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<v Speaker 3>especially in today's market, where you know, even if you

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<v Speaker 3>have a seven hundred credit score, you might not still

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<v Speaker 3>get the lowest rate, whereas a year ago that still

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<v Speaker 3>would give you a great rate at seven hundred and

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<v Speaker 3>seven to twenty. No, you really have to be in

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<v Speaker 3>that if you're going conventional, you really have to be

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<v Speaker 3>seven forty seven sixty and higher right now to really

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<v Speaker 3>get that whatever that national rate that people see online

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<v Speaker 3>with no points, you really have to be in that

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<v Speaker 3>higher upper echelon of credit when you're talking conventional now, FHA,

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<v Speaker 3>you can have a six eighty seven hundred credit store

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<v Speaker 3>still get a great rate with those scores.

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<v Speaker 4>So in that first scenario, going from's that example three

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<v Speaker 4>point five to five point five, after it gets let's

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<v Speaker 4>say after that third year, is it capped at the

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<v Speaker 4>five point five?

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<v Speaker 2>Correct? It's capped, right, So it's not an adjustable rate.

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<v Speaker 3>Correct, it's not adjustable rate. It's a thirty it's a

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<v Speaker 3>thirty year fixed mortgage. But speaking of adjustable rates, that's

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<v Speaker 3>another way, but adjustble rates, you got to really look

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<v Speaker 3>at the math and see does it make sense for

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<v Speaker 3>me to take this adjustable rate because the a five

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<v Speaker 3>year so adjustment rates are typically fixed for five years,

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<v Speaker 3>seven years, or ten years, and then after that it

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<v Speaker 3>adjusts for the life of the moment. Depending on where

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<v Speaker 3>the market is, the rate can go up and go down.

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<v Speaker 3>So folks who had adjustable rates prior to the pandemic

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<v Speaker 3>they won because they rates. If there was an adjustment phase,

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<v Speaker 3>they rates dropped down so they didn't really necessarily have

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<v Speaker 3>to refinance and pay closing costs and things like that

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<v Speaker 3>because the market was in a favor now on a

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<v Speaker 3>flip side, big difference, so they I advise all my

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<v Speaker 3>clients and people who I was speaking to who had adjustables,

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<v Speaker 3>you might as well get out of it because the ten, fifteen, twenty,

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<v Speaker 3>and thirties the cheapest has ever been, So it doesn't

0:12:15.160 --> 0:12:17.240
<v Speaker 3>make sense to play the risk. But in this market,

0:12:17.400 --> 0:12:21.400
<v Speaker 3>adjustable rates make sense. For someone who is not looking

0:12:21.559 --> 0:12:23.600
<v Speaker 3>and they know that not going to stand at home

0:12:23.640 --> 0:12:25.600
<v Speaker 3>for the long term. This is not a thirty year

0:12:25.640 --> 0:12:26.199
<v Speaker 3>play for them.

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<v Speaker 2>This is a five year place.

0:12:27.960 --> 0:12:29.200
<v Speaker 3>So if you know I'm gonna be in this house

0:12:29.200 --> 0:12:31.720
<v Speaker 3>for five years, and I'm just using this as my

0:12:31.800 --> 0:12:35.160
<v Speaker 3>starter home. I wouldn't recommend getting a five year ARM.

0:12:35.320 --> 0:12:37.400
<v Speaker 3>I would probably say do a seven or ten because

0:12:37.400 --> 0:12:39.960
<v Speaker 3>life happens and you never know. And if you see

0:12:40.000 --> 0:12:42.440
<v Speaker 3>an opportunity to refinance over the next couple of years

0:12:42.440 --> 0:12:44.320
<v Speaker 3>and you still own that house, take advantage of the

0:12:44.360 --> 0:12:48.280
<v Speaker 3>refinance opportunity as well. So adjustable rate mortgagees can work

0:12:48.800 --> 0:12:50.880
<v Speaker 3>if it makes sense, But in most cases, from what

0:12:50.920 --> 0:12:56.640
<v Speaker 3>I'm seeing, sometimes it just doesn't make sense. My graduates

0:12:56.679 --> 0:13:08.800
<v Speaker 3>from my school being forced bad drops.

0:13:14.559 --> 0:13:18.240
<v Speaker 1>An illegal alien from Guatemala charged with raping a child

0:13:18.240 --> 0:13:22.040
<v Speaker 1>in Massachusetts. An MS thirteen gang member from Al Salvador

0:13:22.280 --> 0:13:26.440
<v Speaker 1>accused of murdering a Texas man of Venezuelan charged with

0:13:26.480 --> 0:13:30.400
<v Speaker 1>filming and selling child pornography in Michigan. These are just

0:13:30.480 --> 0:13:34.200
<v Speaker 1>some of the heinous migrant criminals caught because of President

0:13:34.280 --> 0:13:37.880
<v Speaker 1>Donald J. Trump's leadership. I'm Christy nom the United States

0:13:37.880 --> 0:13:42.680
<v Speaker 1>Secretary of Homeland Security. Under President Trump, attempted illegal border

0:13:42.720 --> 0:13:46.280
<v Speaker 1>crossings are at the lowest levels ever recorded, and over

0:13:46.320 --> 0:13:49.560
<v Speaker 1>one hundred thousand illegal aliens have been arrested. If you

0:13:49.600 --> 0:13:53.480
<v Speaker 1>are here illegally, your next you will be fine. Nearly

0:13:53.559 --> 0:13:57.560
<v Speaker 1>one thousand dollars a day. Imprisoned and deported, you will

0:13:57.600 --> 0:14:01.240
<v Speaker 1>never return. But if you register using our CBP home

0:14:01.280 --> 0:14:04.679
<v Speaker 1>app and leave now, you could be allowed to return legally.

0:14:05.040 --> 0:14:09.760
<v Speaker 1>Do what's right. Leave now. Under President Trump America's laws,

0:14:09.960 --> 0:14:12.400
<v Speaker 1>border and families will be protected.

0:14:12.480 --> 0:14:14.640
<v Speaker 2>Sponsored by the United States Department of Homeland Security,