Understanding debt-to-income ratio (DTI) is one of the most important — and overlooked — parts of getting ready to buy a home. It plays a huge role in whether a mortgage gets approved and whether the payment will actually feel affordable once it kicks in.
This video breaks down how lenders view DTI, including both front-end (housing-only) and back-end (housing plus all debts) ratios. It also co...
Mortgage scams are getting more sophisticated by the day, and with AI and online impersonation tactics on the rise, it’s getting harder to tell who’s real. In this video, I walk through how to verify if a mortgage lender is legitimate before handing over any sensitive information. From AI-generated calls to fake websites stealing loan officer identities, you gotta stay smart.
You'll learn how t...
This video breaks down the key things buyers need to consider before purchasing an older home—especially properties built in the 1930s or earlier. From potential historic designations to costly updates like electrical, plumbing, foundation work, and HVAC, older homes come with unique challenges. I cover what to look for during inspections, how to spot deferred maintenance, and which repairs cou...
Home Truths with Jen
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