WEBVTT - Buying a Home? What to Know About the Housing Market

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<v Speaker 1>It's time for the b a q a a to

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<v Speaker 1>b a q a what you say.

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<v Speaker 2>The b a q a man good b a q

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<v Speaker 2>a Which the b a q a A.

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<v Speaker 1>Should we do a little disclaimer, you know, to make

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<v Speaker 1>our lawyer our lawyer friends happy. Yes.

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<v Speaker 2>Please, if you've.

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<v Speaker 1>Got questions, we have some answers, but not necessarily for you,

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<v Speaker 1>just some things we'll be saying. But you are going

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<v Speaker 1>to reach out to your doctor, your lawyer, your financial advisor,

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<v Speaker 1>someoney that you pay for the next level of financial

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<v Speaker 1>education if you will a ka so your grandma, not us.

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<v Speaker 2>But if you do have some questions that you'd like.

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<v Speaker 1>To hear some general answers, not specifically geared towards you about,

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<v Speaker 1>go ahead on over to Branna Vision podcast dot com

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<v Speaker 1>and click the contact us button or slide into our

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<v Speaker 1>DMS brin Ambition Podcast on IG.

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<v Speaker 2>And we got you.

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<v Speaker 3>Yeah, And if you have a follow up, just let

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<v Speaker 3>us know that it's a follow up question or like

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<v Speaker 3>just your following up on like a question that we answered.

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<v Speaker 3>I love getting those yes and seeing where the journey

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<v Speaker 3>has taken y'all.

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<v Speaker 1>Yes, and if you could tell us like, oh, it

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<v Speaker 1>was this episode or maybe what we called you what

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<v Speaker 1>your name was or whatever?

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<v Speaker 3>You know, just like, please make it as simple as

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<v Speaker 3>possible because sometimes we don't know where the original question

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<v Speaker 3>went to. Yes, okay, we've been doing it for how

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<v Speaker 3>many years? Almost nine? That's a lot of questions, all right,

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<v Speaker 3>But we have a cute, cute question today. This is

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<v Speaker 3>from ig Kelsey, who says we can use her name.

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<v Speaker 3>Oh we love it. Just out there, queen. All right, tiff,

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<v Speaker 3>this is your credit land, your credit lane. Okay, Hiba, fam,

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<v Speaker 3>I have a question. I love your show and your

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<v Speaker 3>advice is much appreciate, appreciated. My husband and I are

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<v Speaker 3>hoping to buy a house this fall. Even though the

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<v Speaker 3>economy isn't the greatest. We're spending the summer tackling our

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<v Speaker 3>credit card debt. I've noticed it takes a long time

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<v Speaker 3>for the updated balance to show on my credit report.

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<v Speaker 3>For example, I paid off two cards in full at

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<v Speaker 3>the end of May, and almost two months later, they

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<v Speaker 3>still haven't updated. Is that normal when we are ready

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<v Speaker 3>to meet with a lender to see how much we

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<v Speaker 3>qualify for Should we wait for all of those accounts

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<v Speaker 3>to show as paid on credit karma or experience, et cetera?

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<v Speaker 3>Or will they have access to a more up to

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<v Speaker 3>date version of our credit report. Thank you so much

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<v Speaker 3>for your help, all right, Kelsey.

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<v Speaker 1>Kelsey, Kelsey, Kelsey, Well, really, the big it's probably not

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<v Speaker 1>the credit bureaus that are holding you up. You know,

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<v Speaker 1>there's three core ones. There's more, but these are the

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<v Speaker 1>three core ones. That's Transnion Aquathax experience. So they update

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<v Speaker 1>about to your point once a month, at least every

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<v Speaker 1>forty five days. Right, It might be the lender whoever

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<v Speaker 1>you've paid back. They can take your sweet time letting

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<v Speaker 1>their credit bel know, Hey, hey, y'all, Kelsey had did

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<v Speaker 1>a thing. Now, Typically they do typically, you know, tell

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<v Speaker 1>the lender like once a month or so and sometimes

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<v Speaker 1>even up to two months. But the best place to

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<v Speaker 1>really ask is to reach out to the credit card

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<v Speaker 1>companies that you paid off, paid the balances down, and say, hey,

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<v Speaker 1>has this been reported to the credit bureau and if not,

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<v Speaker 1>when can I expect it to be reported because it's

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<v Speaker 1>still not showing on my credit reports that this has

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<v Speaker 1>paid been paid down or off and ask that question.

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<v Speaker 1>And quite honestly, if it was me, you know, buying

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<v Speaker 1>a house these days, it's like every penny counts, I

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<v Speaker 1>probably would wait for my credit bureau to reflect you

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<v Speaker 1>know the fact that I don't owe as much before

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<v Speaker 1>like seeing what I can.

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<v Speaker 2>Be pre approved for.

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<v Speaker 1>The truth is you're going to have your credit pulled

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<v Speaker 1>multiple times still, like they're like right before you close.

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<v Speaker 1>So this is not you know, this is not the

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<v Speaker 1>last time. But if we're talking about pre approval, which

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<v Speaker 1>is an important process which basically will let your lender

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<v Speaker 1>know you know, what you can possibly borrow. This this

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<v Speaker 1>would potentially affect, like, especially if you owed a lot

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<v Speaker 1>of money, could affect how much money you could borrow

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<v Speaker 1>on a house. So I would say be patient, but

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<v Speaker 1>also tap your lender on the shoulder and I would

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<v Speaker 1>wait to see the adjustment before like, you know, looking

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<v Speaker 1>to purchase a home right away.

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<v Speaker 3>It's interesting that she says, you know, the economy is

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<v Speaker 3>not that great. I think the housing market. I don't

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<v Speaker 3>know the economy, Like I just saw reports like the

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<v Speaker 3>economy is doing amazing. It's what you and I were

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<v Speaker 3>talking about, how like the numbers are showing that the

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<v Speaker 3>economy is fine, but people don't feel that way. It's

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<v Speaker 3>probably because housing prices are so high and rates are

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<v Speaker 3>still high compared to like normal historically, but really high

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<v Speaker 3>compared to what we were enjoying a few years ago.

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<v Speaker 3>But I think I've come now on the side of

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<v Speaker 3>like go ahead and buy, yeah, you know, like don't

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<v Speaker 3>wait for the perfect time and the perfect like subpar rate.

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<v Speaker 3>I think that it's helpful to see people zoom out

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<v Speaker 3>and show the historical interest rates, and it was pretty

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<v Speaker 3>unusual that we had like two percent rates back when,

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<v Speaker 3>you know, pre pandemic and during the pandemic, and now

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<v Speaker 3>like six percent is like kind of it's.

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<v Speaker 1>Yeah, because there's the thing I bought my I bought

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<v Speaker 1>my condo. When I bought my condo, I was I'm

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<v Speaker 1>turning forty five this year. I was twenty five when

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<v Speaker 1>I bought my condo, and my rate was like five

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<v Speaker 1>point six percent. That was then, you know what I mean.

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<v Speaker 1>And that was not a bad rate. That was considered

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<v Speaker 1>more than fair to two percent. It literally never.

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<v Speaker 2>Hit two percent before.

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<v Speaker 1>That was had historic maybe once in a lifetime were

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<v Speaker 1>gonna see rate, And so to wait for it to

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<v Speaker 1>go down to two or three percent, you're going to

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<v Speaker 1>be waiting a long time. Maybe, girl, you're gonna have

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<v Speaker 1>gray hairs and a rocket year, you know, and you know,

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<v Speaker 1>maybe four or five percent would be you know, but

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<v Speaker 1>you can also buy and then keep your credit strong

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<v Speaker 1>and then maybe in four or five years, depending you

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<v Speaker 1>know where the interest rates lead. You could certainly refinance,

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<v Speaker 1>which there's cost associated, but still that's potentially an option.

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<v Speaker 1>But yeah, I mean, when it comes to buying a home,

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<v Speaker 1>it is to me half investment and half heart choice,

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<v Speaker 1>depending like when you're buying a home that you're going

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<v Speaker 1>to live in, meaning I want you to be smart

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<v Speaker 1>and say, hey, I'm not trying to buy a home

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<v Speaker 1>that doesn't make sense financially for myself and my family,

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<v Speaker 1>but also you know, like I'm buying a home because

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<v Speaker 1>like I'm trying to live here, and so you're allowed

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<v Speaker 1>to not make like a choice that's strictly financial. I

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<v Speaker 1>know it sounds crazy, but like like remember, Manny, when

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<v Speaker 1>I bought my condo and doctor Green was like, I'm

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<v Speaker 1>not doctor Green, Angelie, my financial my CFP, my certified

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<v Speaker 1>financial planner said ideally, Tiffany, I don't want.

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<v Speaker 2>You to pay cash. I'd like for you to be

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<v Speaker 2>in the market.

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<v Speaker 1>And she wasn't wrong because you know we've seen the

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<v Speaker 1>market was up last year, closed at like up twenty

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<v Speaker 1>two percent, and I don't know where we are now,

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<v Speaker 1>but the market has continued to be up, so that

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<v Speaker 1>money in the market would have generated because you know,

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<v Speaker 1>it was a significant amount of money that I paid

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<v Speaker 1>for the condo, but my my heart choice for me,

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<v Speaker 1>for the level of calm and things that I needed,

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<v Speaker 1>I wanted to pay for a cash because I'm still

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<v Speaker 1>a little nervous from losing my first condo to a foreclosure.

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<v Speaker 1>Plus I knew twenty twenty three was going to be

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<v Speaker 1>a hard financial year, and it was, and I didn't

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<v Speaker 1>want to have to worry about also having to come

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<v Speaker 1>out of pocket monthly, and so I decided. I remember

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<v Speaker 1>asking her if I buy a cash, is it a

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<v Speaker 1>really bad decision or is it just not the best

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<v Speaker 1>financial decision. She's like, it's not a bad decision. It's

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<v Speaker 1>just not the best financial decision. But you're fine either way.

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<v Speaker 1>And so I let my heart lead because I was like,

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<v Speaker 1>I'm gonna be fine either way. This is just a

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<v Speaker 1>better decision where maybe I could have come up I

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<v Speaker 1>don't know tens of thousands of dollars, but but look at.

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<v Speaker 3>That condo, though, I like, you're, yeah, we've talked for

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<v Speaker 3>this multiple times, but like the security and the peace, yes,

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<v Speaker 3>and the you know, the flex of it all. I

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<v Speaker 3>think it is so baller.

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<v Speaker 2>You know, you just paid that shit and cash.

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<v Speaker 1>No, but you know, like I said, so, I just

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<v Speaker 1>I just want to ask you were purchasing homes, homes

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<v Speaker 1>that you're going to live in primary residence, that to

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<v Speaker 1>say that it is okay to integrate both sides. You're

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<v Speaker 1>left side of your brain, you're right side of your brain,

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<v Speaker 1>you know, and one doesn't have to overpower the other.

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<v Speaker 2>Yeah, because at the end of the day, you know,

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<v Speaker 2>the day gonna end.

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<v Speaker 3>I know that that is not like a new expression,

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<v Speaker 3>but it was like new to me, and I had

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<v Speaker 3>said it so many times this weekend. I said it

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<v Speaker 3>to my husband and he didn't hear me the first time,

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<v Speaker 3>and I was like, at the end of the day,

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<v Speaker 3>the day going end, and he just looks over He's like,

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<v Speaker 3>are you Socrates?

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<v Speaker 1>Don't you love that with someone you like?

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<v Speaker 2>Did they not catch the joke or is it just

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<v Speaker 2>not funny to that?

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<v Speaker 3>You're like, let me look, too much of what I

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<v Speaker 3>say just gets filtered through the husband, like, you know,

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<v Speaker 3>the catch it. Yeah, So I have to repeat myself

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<v Speaker 3>many times it's like what was said?

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<v Speaker 2>No, especially if I'm in the group, and I'm like,

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<v Speaker 2>that was a really funny joke. I feel like they

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<v Speaker 2>didn't hear it.

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<v Speaker 1>So then I say it again and I'm like, they

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<v Speaker 1>did hear it, and then nobody reacts and I'm like, oh,

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<v Speaker 1>so we're sitting right along with my bride.

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<v Speaker 3>On delivery with a fresh audience.

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<v Speaker 2>I'm like, maybe it was my exactly. I'm like, I

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<v Speaker 2>loeek like that, but it killed at the last day.

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<v Speaker 3>Not like these people. Nothing sadder than a flat joke,

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<v Speaker 3>you know what I mean. Just bringing the vibe down.

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<v Speaker 1>People, you right, and don't do it in front of

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<v Speaker 1>your sisters whatever. They're like, we heard you.

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<v Speaker 2>People who like love you.

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<v Speaker 1>I could like you know exactly because it's like, oh,

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<v Speaker 1>oh you thought that you thought you ate with that, you.

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<v Speaker 2>Know, like that's what the young ones will say. I'm like,

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<v Speaker 2>I did eat with it.

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<v Speaker 1>So anybody I would love to know from our audience,

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<v Speaker 1>you know, did you guys, anybody buy a home this year?

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<v Speaker 2>Now?

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<v Speaker 1>How's it going?

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<v Speaker 2>How you feeling? Is it a little scary?

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<v Speaker 1>And if you are trying to buy a home, what

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<v Speaker 1>are home prices looking like in your area, like, you know,

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<v Speaker 1>like what are like is your I'm assuming the price

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<v Speaker 1>of your homemady has gone up significantly since you purchased it.

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<v Speaker 3>Yeah, yeah it has, and which is great. I was

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<v Speaker 3>actually kind of considering. I'm you know, I'm hashtag stuck

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<v Speaker 3>in a starter home, and you know the amount of

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<v Speaker 3>time I just s been envisioning how we could like

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<v Speaker 3>make it work for us a little bit longer. You know,

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<v Speaker 3>I'm at the point where I'm like, either we're gonna

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<v Speaker 3>like maybe do a cash out REFI, take advantage of

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<v Speaker 3>the equity and really do like a proper another remodel,

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<v Speaker 3>or just you know, maybe take a cash out REFI

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<v Speaker 3>and use the money for another house and rent this

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<v Speaker 3>one out. Okay, Yeah, because I don't think I would

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<v Speaker 3>tell another young family like, nah, this house is adorable,

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<v Speaker 3>but nah it's too small. But I think it would

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<v Speaker 3>be a great Airbnb property. But we just got to

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<v Speaker 3>see what Carny is looking like financially right now. I

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<v Speaker 3>don't think we're not there yet to like buy something

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<v Speaker 3>else and keep this place. We could buy somewhere else,

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<v Speaker 3>but like keeping this place, and so yeah, I don't know, man,

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<v Speaker 3>it's Corona. Shit I'm glad that we bought the household

0:11:01.760 --> 0:11:05.240
<v Speaker 3>we did. But yes, decisions just get more tricky. They

0:11:05.240 --> 0:11:07.400
<v Speaker 3>don't get easier, get trickier.

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<v Speaker 2>M hm, you just be trying to Is this all

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<v Speaker 2>right to us?

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<v Speaker 1>I guess I'll see you fifty years.

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<v Speaker 3>But you got to do the best with the options

0:11:16.400 --> 0:11:18.800
<v Speaker 3>you have to make and then release yourself from the

0:11:19.160 --> 0:11:23.439
<v Speaker 3>release it, release it. But thank you Kelsey for your question.

0:11:23.600 --> 0:11:25.120
<v Speaker 3>Ba fam. If you want to leave us a question,

0:11:25.240 --> 0:11:27.880
<v Speaker 3>you know how to do it, go to ig drop

0:11:27.960 --> 0:11:32.680
<v Speaker 3>into our d MS. Sorry, slide into our DMS drop. Okay, Boomer.

0:11:33.480 --> 0:11:35.800
<v Speaker 3>We are at Brand Ambission Podcast on I G or

0:11:35.880 --> 0:11:39.840
<v Speaker 3>Brand Ambisson Podcast at gmail dot com dot com. Oh

0:11:39.840 --> 0:11:41.120
<v Speaker 3>and while you're at it, why don't you leave us

0:11:41.120 --> 0:11:43.600
<v Speaker 3>a review? Please? We love it. We got some really

0:11:43.640 --> 0:11:46.720
<v Speaker 3>cute reviews from our listeners. Can I read one of them?

0:11:46.760 --> 0:11:49.640
<v Speaker 3>Real quick? Tiv? Yes, we got three new ones. I

0:11:49.720 --> 0:11:52.760
<v Speaker 3>love this one. It says podcast from the guds g

0:11:52.800 --> 0:11:56.400
<v Speaker 3>A U G A w D. It's from It's take

0:11:56.480 --> 0:12:00.600
<v Speaker 3>k Tak on Apple podcast says I recently discovered this podcast,

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<v Speaker 3>and I'm glad I did. I have learned so many things,

0:12:03.320 --> 0:12:05.240
<v Speaker 3>have been able to put so many of your tools

0:12:05.240 --> 0:12:07.880
<v Speaker 3>and tips to play in my own life and finances.

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<v Speaker 3>The only way this podcast could be any better is

0:12:11.080 --> 0:12:13.080
<v Speaker 3>if I could listen twenty for seven.

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<v Speaker 2>Oh we love that.

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<v Speaker 3>PS. Show notes would be great if you have the time.

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<v Speaker 3>We love a little positive feedback. Yeah, yes, it's take

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<v Speaker 3>a Yeah, we're gonna get right on that. Rose, thank

0:12:25.559 --> 0:12:28.000
<v Speaker 3>you so much for that was a reference to don't

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<v Speaker 3>tell Mom the babysitters dead anybody.

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<v Speaker 2>No, I didn't get that.

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<v Speaker 3>Okay, that's fine.

0:12:32.840 --> 0:12:34.720
<v Speaker 2>I was like Rose, your name was take.

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<v Speaker 3>Never mind. Okay, thank you so much. Be a fa

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<v Speaker 3>We love you. Check us out Monday, Wednesday, Friday, Bye

0:12:42.400 --> 0:12:43.160
<v Speaker 3>bye