Let’s talk about whether or not Real Estate is positioned to go down in value, how interest rates affect property values, and what you can do to make sure you stay profitable – Enjoy! Add me on Instagram: GPStephan
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FIRST: Get a 30 year mortgage.
That’s because 30 year interest rates are still the lowest they’ve ever been, in history – and when you consider that investment returns are often WAY higher than what you pay in interest, it starts making sense NOT to pay off your mortgage early and invest the difference, instead. But the 30 year mortgage also gives you a MAJOR advantage to any other option and that’s – flexibility. There’s nothing stopping you from paying off a 30 year mortgage in 15 years…just make a higher payment every month, and it’s the same thing.
SECOND: Always get a fixed interest rate
By locking in your rate, you know with 100% certainty how much it’s going to cost for the next 30 years, and from that – you can plan accordingly.
THIRD: Refinance your loan to save more money
This allows you to get a brand new loan that replaces your existing loan – and in many situations, the new loan is going to be at a lower interest rate than you’re currently paying – THEREBY saving you more money.
FOURTH: Avoid selling your home if you don’t need to
The truth is, real estate values ONLY matter if you intend on selling – so, everything I’ve mentioned is designed to make your monthly payments as low and predictable as possible, just so that you don’t NEED to sell. Ideally, by NOT selling – you’ll have the time to ride out any fluctuations in price LONG enough for them to eventually recover, and bring you back to profitability.
FIFTH: Keep a safety fund on the side at all times
With real estate – ANYTHING can come up, at ANY point, that will end up costing you money. Plus, no matter what happens – you’ll still have fixed costs like property taxes and insurance that will need to be paid every year, and you’ll need to budget for that. So, my recommendation is to always keep a few months of your properties expenses saved up, in cash…so that way, should something come up, you’ll have the money to pay for it.
SIXTH: ONLY buy a home that you can comfortably afford.
The lower your payment is in relation to how much you make, the safer it is that you’ll be able to keep it through a downturn without running out of money – AND by doing so, the more likely you are to actually make money.
Real estate should IDEALLY be something you ONLY buy if you intend to hold on to it at LEAST 8-10 years…so, plan with the intention of keeping it at least that long, and plan accordingly in terms of how much you’ll need to make in order to continue making those payments.
For business or one-on-one real estate investing/real estate agent consulting inquiries, you can reach me at GrahamStephanBusiness@gmail.com
*Some of the links and other products that appear on this video are from companies which Graham Stephan will earn an affiliate commission or referral bonus. Graham Stephan is part of an affiliate network and receives compensation for sending traffic to partner sites. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available.
I nominate “WHATS up kids it’s big chungas here!”
Per my experience, “Mortgage Rate Modification” is so much better (economically) than Refinancing. You would pay a fraction of the refi cost to lower your interest rate significantly. I also agree with getting 30 yr mortgage and pay as it is 15 yr mortgage.
real-estate prices go down.
ME: Thats sus!
This is irrlevent but please react to a YouTube who lives on £1 a day
Just search up the hack
Smashing the like button for a treat for Ramsey 🐈
*Thanks for the review*
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Great video Graham!!!
You should interview Charles Hoskinson about Cardano he is very approachable.
Hit my expert broker for more guidance
I’m getting ready for it so I can buy plus with credit score being thrown away to ohhh the little people finally get make moves
Telegram @Aldermann979
most people have alot less money that you are assuming. thats why ltv can be abused on fha.
I forgot you moved into the new house, I think it would be cool if you did a video on The Fish Tank !
When hundreds of thousands of immigrants from South America cross the border and start camping at Hollywood mansions backyards, we will know it’s game over.
Hey its Central America not South America, respectfully. Not happy bout it either.
Everything in this video is pretty obvious but ok
I would be interested to hear your commentary on what this possible housing crisis means for raw land being for sale? If there is a shortage of homes for sale, is raw land with nothing built on it more or less expensive? I like the idea of just buying a big patch of land as an eventual investment/personal recreational area. Should I hustle and get in? Or do I hold off and just try to accrue not capitol for that initial down payment?
hit my expert broker for guidance
telegram@Aldermann979
All you fucs waiting to buy would probably have waited every decade for housing to get cheaper while it continues to stair higher. Where are you going to live while you are waiting? Paying rent?
why is this guy not able to speak in more than 1-2 sentences at a time?
FHA loan?
+ ❶ ❽❶❽ ❾❻❸-❾❶❼❻.
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@Graham Stephan FAKE ACCOUNT
You not even worried cause you making bank on YouTube 😐
Housing crashes are perfectly fine as long as you plan on holding your home for over 10 years
Sup garage tai Lopez here
So when will the housing crash happen?
Too many commercials. Thumbs down.
I thought you needed credentials/licensing in order to give financial advice?? Or is it open to anyone with a mic/video camera/and Utube account? Sheesh! A second-year law student could probably sweep this kid’s videos over the last few years and make quite a case!
the current administration doesn’t want us owning homes or land and they are showing right now they plan to buy all assets in the country while using printed money worth nothing. be careful. the are forcing a market crash on purpose. Then they swoop in and buy everything they can when the country is broke.
**Appreciate your comment.for further assistance.**
Wh`at`sAp M.E
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Hey Graham, I’ve been following you for just more than a year now and I’ve been wondering. Have you read the book “The millionaire Fastlane”? If yes, what are your thoughts on it? Also how many books do you read annually? Just curious 😂
Hope you answer 😊
+ ❶ ❽❶❽ ❾❻❸-❾❶❼❻…………
Oooooops, just bought a house
Thanks for your comment, I just discovered a more beneficial way beginners to make Prof its from tra ding, cont act my sup port on Whats-Ap for assistance of
+ ❶ ❽❶❽ ❾❻❸-❾❶❼❻…………..
The cat treat thing was great. Always good to laugh.
Nice video!! Very engaging from beginning to end. Nevertheless, businesses and investment are the easiest way to make money irrespective of which party makes it to the oval office.
My fiance literally just liked this video for me just for the cat
haha thanks!!
“What’s up fives? A ten is speaking”
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FAST FORWARD TO 12:37
Thank me later
😉
1:24 smash the like button to feed Ramsey!
so cringe bro…and not in like, a funny kind of way. Ditch the stupid thumbnails man.
Your comment section is 90% bots lol
Starting early is the best way of getting ahead to build wealth, investing remains a priority. The stock market has plenty of opportunities to earn a decent payouts, with the right skills and proper understanding of how the market works
She’s good and guaranteed, with her you get to see forex trade from another angle… working with her is all about win win win..
Expert Mrs Svetlana is a very reliable broker, she’s the one that gave me access to know more about trading binary options conveniently.
She can deliver very well
@Felix Martin this conversation so fake they trying to scam lol y’all should be block from this YouTube channel forever and I’m talking about the people that keep bring Svetlana name
@Kelvin Angel yes! This is actually the second scripted comments in here!
You could make money by launching the new youtube channel called “The Graham Stephan’s Cat Real Estate Channel”
Give Ramsey a treat!!!
Not gunna be a crash, some foreclosures and maybe a slight 15% correction at some point. The money being put into homes today is legit.
Lol
House in Ottawa, Canada was listed at 600,000 this week and sold for 1.2 million.
You got a like for kitty 🐱
Hie are you liking to Las Vegas.
Would you sell if it was in the san Fernando valley? I’m conflicted on whether or not to sell. I moved to Minnesota and I wasn’t comfortable with the quality of the renters I was interviewing.
Weird that interest rates are the lowest in history (apparently) for houses, yet the prices for them has skyrocketed and seem to be at an all time high. At least in my state. Coincidence?
My cat just returned from ER and can get as many treats as long as he keeps eating
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30 year mortgage is best mortgage, you won’t be earning same through out your life later when you get more money, invest it or if you don’t find anything then just pay up the principle and reduce your future interest big way.
Meet Kevin is way better 😄
Cat: “meow”
Graham: he said to like and subscribe
Dave Ramsey entered the chat on 30 year mortgage.
I get what you’re saying but I disagree with taking out a loan right now as an investment. Or maybe lead with the info you state in minute 12:00 before you say that.
Im looki g into buying a house. Or get a mortgage loan later in the year… after August…. so is that a good idea to be buying around that time?
Cause i really need to get a new home.
W~H~A~T~S~A~P~P >M~E
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Keep up the good content.
WAAAYYY TOO MANY ADS
The cat really convinced me!
Only fools are buying in this low inventory covid “sugar high”
Oh and if the US has another crash we will also have a currency crisis, and it will quickly turn into a great depression.
HUGE props to you for responding and hearting comments. Thats rare for a Youtuber of your status
Your cat better get those treats for using him as your fodder
Thanks for watching and comments, We’re always available for questions, guidance and support at any time . Just DM
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UNSUBSCRIBED and here is the reason: WAY TOO MANY LONG ADDs!
The surge in demand after WW2 was probably fueled by the GI Bill, among other things.
PETITION for Gram to say “What’s up daddy? – It’s Grahm here” in a slightly sexy voice.
Not too confident I can drop my interest rate :/ at 4.875% at the moment. 30 year fixed though, with a maturity date of 2049 any suggestions?
Thanks for the feedback.
I advice you get in touch with my cryptocurrency expert Scott on whatsap to make huge profits from cryptocurrency like I do with his strategies.
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Next intro: Hidey-ho, neighbor!
with mortgage forbearance there are plans to push those missed payments to the back of the loan. junior lien on FHA and “Free Refi” ask Kevin..
Thanks for the feedback…..for more information *+1/7./8./.6../4./..3./..2./..3…/4../3../1*
W •H•A•T•S•A•P•P.••••M•E 🔅 💯…………………….
What’s with the clickbait title and thumbnail
I smashed the like button as soon as you introduced yourself as dad 😂
Thanks for watching and comments, We’re always available for questions, guidance and support at any time . Just DM
*+1 8 3 2 4 2 0 0 4 8 7* @ W H A T S A P P .
Crashed the like button for Ramsey to get a treat 😸🤌
+ ❶ ❽❶❽ ❾❻❸-❾❶❼❻. ,.
If you don’t think the 2008 was catastrophic then you weren’t old enough to remember it. It was bad and guess who caused it all to happen, you guessed it, the damn government. The only difference this time is that the government will begin seizing foreclosed properties and eventually own all private property. Just ask Barrack Hussein Obama, who’s running the country if you didn’t know.
I only liked this for the cat😏😸
+ ❶ ❽❶❽ ❾❻❸-❾❶❼❻…..
I’m moving to Colorado Springs, hopefully it doesn’t pop, with my luck it will the minute I close.
+ ❶ ❽❶❽ ❾❻❸-❾❶❼❻…
Hi I hope you answer. I am a senior in High school and I am thinking of dropping out and investing my money in real estate. My question is what do you think. Do you have an education at a university level? Do you recommend it?
+ ❶ ❽❶❽ ❾❻❸-❾❶❼❻. ……
Should I text to you to this number?
@Marissa Mendez yes
Start off a vid with a classic line…
No, this is PATRICK!
Thanks for your comment, I just discovered a more beneficial way beginners to make Prof its from tra ding, cont act my sup port on Whats-Ap for assistance
+ ❶ ❽❶❽ ❾❻❸-❾❶❼❻. ……..
The 2008 crash will come in 2022 sep.
Wrong.
For more guidance
W = H = A = T = S =A= P =P
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Expected point to point series of events outlining a housing crash as the title suggests but didn’t get it. Shove it up your escro !
I’m interested to see how this year plays out. Could be a harsh winter for some people.
Your one of the few you tubers that I don’t just skim through and watch the whole video 👍🏼
Thanks for the comment
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Hi Graham, shouldn’t you consider ALL of the interest you’ve prepaid in a loan or extension of payments? Mortgages are front loaded with interest, principal is down the road. I think it is incredibly short sighted to just consider payments. No one ever talks about this.
The Fed will let rates go up to cool it off and then lower them , there are too many baby boomers retired and they need their pensions … the only way they get paid is print print print !! No major crash is coming
…w~>h~>a~>t~>s~>a~>p~>p…..
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My Dad and Uncle own Black Hills Institute of Geological Research where you got your Stan replica from. Pretty cool!
Inflation….when interests rise… you’re mixing apples with bananas here. Completely different economic situation from last crash. If you can not afford to buy a home now or in the future, you will have to save much more, or invest elsewhere to gain more capital. Don’t spend you life waiting for a market crash.
I think I will take issue with the idea that inflation will make it cheaper to pay off your mortgage with future dollars, since wages have not been keeping up with inflation
Second by paying of my mortgage early I’m able to take out a new mortgage on a new property.
👍🏾👍🏾👍🏾👍🏾👍🏾👍🏾👍🏾👍🏾FOR RAMSEY!!!!!!!!
Locked in at 2.25% on a spendy home but basically getting paid to own it at this point. Bring on the crash!
Graham, in Canada you don’t have to hold a house for at least 8-10 years. Here the y-o-y appreciation has stayed in the double digits of percent for the most part of the decade. In 2010, the median Canadian house was cheaper in fiat value than the median American. Now, it’s on track to be double that of America’s median this year.
Webull has horrible reviews on Trustpilot. Just sayin’…
For your rental properties, do you pay for homeowner’s insurance AND landlord insurance? Do you add on rent-loss insurance (loss of rent due to damage and repair time) and rent-guarantee insurance (tenant defaulting on rent)? Which of these insurances do you consider necessary while still keeping costs as low as possible?
No to WeBull, a Chinese company with ties to the communist party.
*Thanks for the review*
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@Graham Stephen Is this your usual way of conversing online with a subscriber?
Lol. Oh, we know why it happens.Yup. It’s going to crash.
The way he begs for likes is getting annoying
Im 41 and I remember the months after 911. That was the BEST time to buy!!
Great video, being right too early is often indistinguishable from being wrong.
The best decision I ever made in my life was investing in Earningtrack REITs. Now house and cars all paid off, still investing with money already saved and no other debt. Till date its been very profitable
I agree with you, I can’t wait to see how the year plays out.
@Mike Henderson Nice! That’s impressive, Congrats on your success. how were you able to achieve this?
@Sharon Larthey Wealth is created by proper investment. Most of us tend to pay attention to the shiniest positions at the expense of proper diversification.
I did look earningtrack up and I’m impressed with the reviews. Accreditation looks really solid, very remarkable and professional.
Oh daddy you say the sweetest thangs
Banks will always “be made whole”. Fleece & repeat.
Does he script and rehearse the gestures?
Why not just pay off the house and increase your cash flow. It is liberating and drastically increases cash flow while reducing financial stress. Live within your means and it is not difficult to pay off in ten years.
A crash is my only opportunity to own!
Investing in bitcoin is very profitable this days especially when your account is being managed by a legit broker
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That’s her username on fb👆👆
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What’s up kids, it’s dad here! I loved that hahahahaha
Smash dislike and unsubscribe
everybody wants everything NOW … never save a penny, credit credit credit
banks create money out of NOTHING to give you a loan with interest and if you cannot pay, you lose everything…