2021 Conventional Loan Requirements (NEW And Complete Guide)

are you curious if you can qualify for a conventional loan in 2021 including all of the new updates that have happened with conventional loans especially because of covid in this video we're going to jam-pack this full of 2021 conventional loan requirements there's gonna be a scroll bar across the bottom so you can flip two different sections if you wanna see different things or speed up to different points in the video so a quick overview with conventional loans conventional loans tend to be mainly for buyers with higher credit scores and minimum credit issues that doesn't mean you have to have the most incredible credit score in the world we'll talk about credit score here in just a bit but it tends to be more favorable to those higher credit scores also conventional loans don't require 20 down there's this myth that's been going on for so so long about needing 20 down for a conventional loan it's just simply not true you can go all the way down to 3 as a minimum down payment for conventional loans in 2020. one twenty percent is where mortgage insurance gets removed that's it we'll talk about that again here in the future now conventional loans tend to be dictated by two gscs government sponsored enterprises and with these rs is fannie mae and freddie mac you might have heard of them but not actually known what they do or their importance so fannie mae and freddie mac actually purchase mortgages okay so they purchase them from lenders and basically fanime and freddie mac say we want to purchase loans conventional loans that have a certain type of risk to them a certain type of look and so fannie mae and freddie mac make the rules for conventional mortgages so what we'll be talking about in this video are the rules made by fannie mae and freddie mac so basically what happens is your lender is going to give you the loan and they're going to underwrite it according to what fannie mae and freddie mac wants and then they're going to end up selling that loan to fannie mae or freddie mac in the future as a mortgage-backed security now we don't have to get into all that but it's helpful to know that there are these two companies these two government sponsored enterprises that are actually making up the rules for conventional loans so it's not necessarily lender by lender and conventional loans are going to be for primary residences second homes or investment properties all right so we're talking about conventional fha usda va this is the only loan that we can use for a second home and an investment property as well so let's first quickly talk about covid changes maybe you're familiar with conventional already and you just want to see what's changed because of covet so the one big thing that's happened is artificial raising of credit scores um as an overlay so basically what happens is we talk about fan main and freddie mac they make the base rolls and then lenders can tighten those rules they can add roles on top of the baseline rules whenever they want okay and this can make things more difficult to qualify for so for instance the base standard is a 620 credit score a lender if they want can add a new rule on top of it that says their minimum credit score is 6.80 even though it's a commercial loan they can raise it up so covet has required a lot of lenders to do this so conventional loans haven't changed the lenders have just added overlays on top of the base standards also if you're self-employed you're going to need a year-to-date profit and loss for 2020 okay and this can be unaudited so you can just have this signed by yourself or it can be audited all right so if it's audited you don't need to provide bank statements if it's unaudited you do have to require three months bank statements to support the data in the profit and loss statement also future work normally is allowed on a conventional loan maybe you get a job offer where you can close on the loan before you start your your new job however with covid lenders are putting on overlays where you can't actually use future employment you're going to have to be employed in the job that you're going to be having while you're in that loan now down payment and closing costs there's a couple different weird caveats here with conventional loans it can be a little bit tricky to understand down payments so let's first talk about a standard what we're calling conforming conventional loan when i use conforming just think of like a standard uh conventional is what we're talking about so you can actually go to three percent down if you're a first-time home buyer all right so that's one of the perks of conventional loans normally it's five percent down but if you're first-time homebuyer can be three percent down now there is a way to kind of hack this if you're not a first-time home buyer a little trick to get around it so let's say um i am not a first-time homebuyer but i have somebody who wants to be on the loan with me who is the rule basically states you only have to have one person on the loan that's a first time home buyer so even though if i'm the one with the income and the credit and all the money that we're using to purchase the home i can bring somebody on who is a first-time homebuyer and then use that to get three percent down and this is very common if you're you have a spouse who hasn't purchased home or something like that now fannie mae and freddie mac both have programs called home ready and home possible all right and what these allow you to do is three percent down as well even if you're not a first time home buyer the only big thing you have to consider here is there is an area median income there's an income limit that you have to hit to get this program and we'll cover home ready and home possible here in just a little bit so the standard is five percent down for conventional these are the special cases here with uh with conventional right we either have to be in an income limit to hit home ready or home possible or we have to be a first time buyer to hit down to three percent so five percent is normally the standard for conventional as a down payment closing costs are going to be the exact same as other loans closing costs are things like your appraisal your title your taxes your homeowners insurance recording fees these are things outside of the loan process that are involved on almost every single deal that you're going to be running into any lender any loan same closing costs so these funds are going to be verified through two months of bank statements unless you're using a other type of funds maybe you're using gift funds from a family member maybe you're using a 401k loan or withdrawal you know other types of secured loans you can use and then just a quick note i do have a lot of like free tools that you can use as part of this channel if you text hashtag sub to 937-358-6542 i'll text you over a link to all the freebie tools that i have included in this channel so credit requirements 620 is the minimum credit score with all lenders for conventional loans now with that being said 680 10 tends to be the best uh credit score to have to get the best rate it it seems like if you have lower than a 680 you're going to have a higher rate and higher mortgage insurance than if you have a 680 plus okay so even though you can qualify if you have them between a 620 and a 680 you tend to get a much higher rate and pay much more in mortgage insurance because conventional wants to mainly give loans to higher credit score buyers so they tend to penalize some of the mid credit score the buyers also two-year history of credit is preferred sometimes you can get away with having a little bit less if you have alternate trade lines but most the time conventional is going to want to see two years plus also if you don't have any credit you can actually get a conventional loan now zero credit is different than bad credit if you have bad credit conventional loan is probably not the best for you but if you have zero credit meaning there's no credit score at all then you can use trade lines so you can use something like rental history you can use auto payments you can use utility bill payments as trade lines to show on-time payments instead of a credit score so credit events what are the waiting periods that we have to hit if we had kind of derogatory or negative credit events in the past so if we had a deed in lieu or a short sale we need to wait four years if we had a foreclosure we need to wait seven years if we had a chapter seven bankruptcy we're waiting four years in a chapter 13 bankruptcy we're waiting two years from the discharge or four years from the dismissal so these restrictions can be a little bit tight especially on that foreclosure you might need to go more with something like an fha loan that's more forgiving on that side okay so student loans student loans are a big issue for people in qualifying because a lot of loans like these government loans tend to not be receptive to income-based repayment plans and so this is where it can really affect how much we can afford so student loans can really change our qualifying amount how much home we could get approved for so again here's fannie mae and freddie mac we have these two different uh gses these government-sponsored enterprises and they both have different rules about student loans so even though they're both conventional loans depending on what uh company it's going to be sold to changes the rules okay and you can talk with your loan officer about this you know what type of underwriting are we going to be using and most likely they'll be able to tell you either we're using fannie mae and we're going through do the desktop originator underwriting system or are we using freddie mac and we're going through lpa the loan product advisor underwriting system okay so fannie mae basically says they're going to use the minimum payment on the credit report or if it's deferred they're going to use one percent of the loan balance as a monthly payment however income based repayment is allowed so if your income base for payment says you only have to pay zero dollars a month on your student loans then that's what's going to be used in your debt to income ratio now if you're using freddie mac underwriting it says minimum payment on the credit score or if it's zero if it says there's no payment so if it's deferred or if you're on an income based repayment plan it shows zero on your credit report you have to use point five percent into the monthly payment and ibr is not allowed on freddie mac loans okay so it's a little um different so we have to keep in mind there so for example if we had thirty thousand dollars in student loans and let's say it was an income based repayment plan and maybe right now it's we're just paying you know well we're not paying it's zero dollars a month we don't have to pay anything on our student loans well if we went with fannie mae underwriting conventional loan fannie anime zero dollars a month is included in our debt income ratio however if we went freddie mac it's 150 a month included in our debt to income ratio all right that's 150 a month that we could have used to qualify for a little bit more house now rates so rates for conventional loans right now are hovering around an average of 2.7 to 2.8 percent in uh the beginning of 2021. all right so three percent down is usually going to have a higher interest rate than five percent down right we talked about five percent being more of the standard for conventional three percent has some of those special use cases either we're a first-time buyer or under an income limit and i'll talk about that tool um here in just a little bit there's gonna be a link for uh that in the description um but normally if you're looking at three percent down have your loan officer also show you the rate for five percent down because most often you're gonna find five percent down has a lower interest rate and lower mortgage insurance than three percent down and conventional loans are going to have a higher rate than government loans most of the time but they're actually going to be cheaper in your net cost because the rate isn't everything we also have to consider the cost of mortgage insurance that these government loans have so conventional loans can actually save you money even if the rate seems like it might be higher than something like an fha loan okay so that brings us into mortgage insurance so there's no required upfront mortgage insurance things like va fha and usda all have upfront mortgage insurance required to be wrapped into the loan conventional loans don't have that at all also monthly mortgage insurance with pmi is called private mortgage insurance is required if you have less than 20 down okay and here's something that a lot of people just don't know they think the the mortgage insurance falls off as soon as you hit 20 equity okay that's actually not true at 20 equity you have to request uh for the lender to remove mortgage insurance at 22 equity then is when it automatically falls off so at 20 equity normally they're going to run a couple calculations to see that you're at that percentage and then they can take it off for you but if you don't um request it to come off from your lender they're probably going to keep it on until you have that additional two percent equity and then let it automatically come off so if you're around that range keep that in mind that you might need to request that to come off and mortgage insurance is different on conventional loans than other government loans like fha va and usda and the reason why is because conventional loans base mortgage insurance on the risk of the buyer so depending on the credit score what's the debt to income ratio how many buyers are actually on the loan that's going to change what the mortgage insurance cost is going to look like it tends to be around point five percent to one percent um annually okay and that's of the loan amount so it's something to kind of keep in mind here you know we're if we're getting an fha loan no matter our credit score mortgage insurance is going to be the same for every single person same with the usda both conventional the the lower debt to income ratio the better we're going to get with mortgage insurance so property requirements we can do two to four units obviously we can purchase a single family home one unit but we can also do two to four units um if we do a secondary home it's ten percent down okay and keep in mind we can use an investment property we can either live in the home if it's multiple units or we can use it as an investment property but conventional changes a lot of their down payment requirements depending on the situation so depending on is it primary residence is it secondary is it investment how many units are there that's going to change the down payment so there is a link to that chart the down payment chart in the description if you want to look more into your scenario and how many units you're looking at buying so let's run through some example homes with conventional loans so here is a home in uh santa clarita california this is 850 000 five beds three baths almost 3 300 square feet so this is a nice home it's got a turret so you could practice shooting your arrows outside of that if you wanted to you've got a cool little sweeping staircase up there spiral staircase whatever that's called so this is a nice home we can get with a conventional loan again this is under the loan limit which we'll talk about here in just a bit here's a home in dayton ohio and this is actually the city that i live in so this is a nice little home here we got a nice kitchen um this is 294 almost 295 thousand dollars four beds three baths 2500 square feet and we can get this no problem with a conventional loan so loan limits conventional loans do have a limit with how much you can get with a home all right so the new loan limit for most areas is five hundred forty thousand two hundred and fifty dollars that's an increase of thirty seven thousand eight hundred and fifty dollars from last year so when we actually like figure out how much home we can purchase we have to do a little bit of some reverse math okay so we take um the loan limit in our area and divide it by uh how much loan we're taking out so if we're doing three percent down it's 0.97 if we're doing five percent down it's 0.95 if we're doing 20 down it's 0.8 okay so we take the loan limit divided by our loan value ratio um and that's going to give us the max purchase price that we can get okay and a link to the loan map loan limit map is in the description if you want to check that out for your specific county okay so now let's dive into the appraisal requirements so conventional loans have a lower standard of living compared to something like fha which really tightens uh the livability quality that fha requires so i'm going to read this off based on what is actually in the guidelines because it's kind of interesting what you can do with conventional loans and i'll clarify this here in a second so fannie mae again that's one of the the government sponsored enterprises and it applies the same for freddie mac as well so fannie mae permits appraisals to be based on the as is condition of the property provided existing conditions are minor and do not affect the safety soundness or structural integrity of the property and the appraiser's opinion of value reflects the existence of these conditions minor conditions in deferred maintenance are typically due to normal wear and tear from the aging process and the occupancy of the property while such conditions generally do not rise to the level of required repair they must be reported examples of minor conditions and deferred maintenance include worn floor finishes or carpet minor plumbing leaks holes in window screens or cracked window class so a good example here is if you're getting fha loan cracked glass is not going to work it's going to have to be fixed if you're getting a conventional loan what's interesting is you can have the report or your loan officer can tell the appraiser hey we want this to be as is so the appraiser will make a note hey we have cracked windows uh cracked glass over here so can you change the value of the home to adjust for that there so they'll probably take a little bit of the appraised value down because of that that problem but it won't need to be fixed before you close on the loan so conventional can be a lot more lenient compared to something like an fha loan okay so employment conventional loans want a two-year history of stable employment that doesn't mean one job for two years that just means a two-year history and so included in that might be you're a stay-at-home mom maybe you were furloughed from work there's something that happened in there you just need to show two years of what's happened in the past okay so you don't have to have a set length of time at a specific job mostly what the underwriter is looking for is they want to see consistency of income all right not necessarily how long you've been at one job so what's best is to make sure that everything is in the same line of work so let's say that you are a plumber and in the past two years you've worked for six different plumbing companies that's perfectly fine okay you don't have to have two years at one specific company just show a two-year history you just have to report the two years and then as long as same with within the same line of work then you won't have any issues qualifying with your new employment if you just got hired somewhere somewhere okay so normally to establish consistency of employment within the same line of work an underwriter tends to want to see two pay stubs to be able to confirm how much you make this is normally around two to four weeks so debt to income ratio this is how much we can qualify for with a conventional loan now it's very important to remember here that just because a lender will give you money doesn't mean you should take it out most often a lender is going to give you way more money than you should probably ever take out as a loan okay so your lender is not a financial advisor their interest is not in your well-being financially necessarily their only interest is managing the risk on who is going to pay back their loan so we have to keep that in mind all right so does ink ratio there's no front end ratio most loans have a front end ratio and the front end ratio is um what's our future housing expense divided by our gross income all right that's going to give us a front end ratio normally this is capped out which lowers how much we can afford uh as as a maximum but there is a 49.99 back-end ratio maximum so what that means is we take our monthly gross income and we can multiply it times 0.4999 and that's going to give us the max amount of monthly debt we can have so this is going to include our future mortgage payment so principal interest taxes insurance homeowners association fees if there are any okay plus mortgage insurance if that's included in there plus anything that we pay is a minimum monthly debt payment so it's our minimum payment on student loans current loans credit cards things like that that's the maximum that we can have when we multiply it times that just under fifty percent so here's an example if we made fifty thousand dollars a year okay and this can be individually this can be household just depends how you're applying for the loan uh fifty thousand dollars per year income if we have zero debt we can get up to a two thousand eighty two dollar mortgage payment all right that's pretty significant again because there's no front end housing ratio it's only the back end so if we have zero debt the only debt we're going to be taking on is the housing payment so we can go up to two thousand dollars housing payment with a fifty thousand dollar income again this is where it's important to keep in mind the lender is not interested um in managing your finances for you that's your job to keep to keep in mind to stay on track your budget the lender's only interested in are people going to pay back this loan and these are the rules that they have all right so if we have 500 a month in debt then that drops us down to we can get a future mortgage payment of up to 1 582 so let's do the same thing with a hundred thousand dollar income if we have zero debt we can take on a maximum mortgage payment of four thousand one hundred and sixty five dollars per month if we have 500 a month in debt that lowers to 3 65 per month as a future housing payment so you can use that future housing payment to try to figure out a little bit of what you can uh purchase as a maximum purchase price because you need to stay at that limit or below when you're looking at homes so seller credits seller credits are how much the seller can give us towards our closing costs to help pay those down and this is negotiated in your contract up front you need to write this in with your realtor or by yourself if you're doing it alone and conventional changes how much you can ask for depending on how much you put down okay so if we're putting less than a 10 down payment the maximum that we can ask from the seller is three percent so if we're looking at a two hundred thousand dollar house and we want to ask for three percent closing costs we put in our offer to say we'd like three percent of the purchase price towards our closing costs and then the seller if they agree would give you six thousand dollars towards your closing costs if you're putting ten percent down it's six percent as a max if you're putting twenty five percent down it's nine percent of its max and if you're looking at an investment property you can only ask for up to two percent in closing cost credit now i have never seen anybody uh ask for six to nine percent on a conventional loan uh most of the time i see around three in our area here um you know our average our median price tends to be a lot lower than it is in most of the nation so i don't tend to see people ask for that much in seller credits often seller credits are not uh that high so some special requirements or features here of conventional loans they tend to be a lot easier for foreclosed homes again this goes back to the appraisal requirements because they're a lot more lenient and for closed homes can tend to be in a little bit of some disrepair then conventional loans are normally your best bet if the home has some issues there also a lot of people don't know this you can get an appraisal waiver so an appraisal waiver is where you just don't have to do an appraisal at all and some people think why would i want to do that um you know because in a lot of buyers minds they think well if appraisal comes in short i get to buy the house at a discount that's not not true most of the time what happens if an appraisal comes in short the deal's dead all right you can sure negotiate it sometimes it happens where the buyer can get home a little bit cheaper but it creates so much stress for everybody and most of the time i see deals simply fall apart um because either the seller's not willing to come down or the buyer's not willing to bring extra money to the closing table so an appraisal waiver speeds up the process a ton if you get an appraisal waiver you should be able to close that loan within two weeks instead of a normal 30 days you should be able to close it somewhere within 15 days now to get an appraisal waiver you need high credit scores i think 720 740 plus and a minimum of 20 percent down and not all homes qualify for an appraisal waiver basically what's happening is fannie mae and freddie mac are using a bunch of data algorithms and stuff like that to figure out uh that home's historical data and if what you're offering for it tends to fall in line with what they're seeing in their kind of predictive model so there's no clear answer on if a home is going to be able to qualify for it or not with tools that you have access to there also is a a renovation loan called home style which is going to be similar to the fha 203k and another cool trick that most people don't know most lenders don't know this um because they're not brokers but if we get an appraisal with let's say an fha loan it's actually going to stick with the property so if i'm looking to buy a home with an fha loan and it appraises low okay let's say it appraises ten thousand dollars low seller's not willing to budge i'm not willing to bring more money to the closing table well that fha appraisal sticks with the home for four months i can't get a new appraisal all right until after that period expires and most you know at that point the seller's gonna walk away however if you're using a conventional loan if you want to take the risk and try another appraisal and see if the value changes which often it does appraisals are subjective you can actually get another appraisal if you switch lenders all right so it cannot be with the same lender it has to be with a different lender so the reason that uh brokers tend to know this a little bit more is because as a broker we work with several different lenders so if we're working with a client with lender a and that appraisal comes in short they do have the option of we can switch that loan to lender b and get a new appraisal through lender b and you know we tell them full disclosure there's no guarantee it could come in even lower it could come in higher there's no way of knowing but it's something that somebody can do if they want that option on a conventional loan okay so home ready and home possible again these are those two options available by fannie mae and freddie mac so home ready is fannie mae so we'll just call it fanny and homepossible is freddie mac all right and these are the two programs they do have the income limit but they will allow you to do three percent down and so basically what they say is it's designed to help lenders confidently serve today's credit worthy low-income borrowers so this is who they designed this program for so it's three percent down you get lower rates than a normal conventional loan lower mortgage insurance you don't have to be a first time home buyer there is an income limit it's 80 of the area median income so there's a link in the description you can go find your location it's going to show you what the income limit is for your specific location and then you also what about how you have you have to take a very easy but very dumb and annoying homebuyer course and this is just an online course and all the ones that i've seen i've gone through a couple of them they're long and they're tedious and they tell you some good info but not a ton of stuff and it's just annoying but it's required on home ready and home possible loans so it's not one you don't have to go sit down somewhere and listen to somebody's talk it's normally an online class and it's a pain it's free but it's oh my gosh it's annoying refinancing with conventional loans after you get this loan there's no streamline options so most loans like fha va usda have what are called streamline options where you won't need to get an appraisal or they don't have to recheck income or credit however conventional does not have that as an option so you do have to get a new appraisal they have to recheck your income and employment and recheck your credit all right and there's two options when we're refinancing conventional number one is a limited cash out refi this used to be called a rate and term refinance and typically what's happening here is um you know if you got let's say you got a conventional loan last year your rate was four percent well rates have dropped and you get one now you do a rate and term refinance to lower your interest rate to like a maybe a 2.75 okay cash out refinance is where we we can do the same thing we're refinancing that first loan so we can change the interest rate if we want to um but we're also pulling out equity as a lump sum so at the closing table we would get a check for the equity in our home so this is where we're taking out a bigger loan so that we can pull out some equity maybe we use that to pay down debt or put towards an investment or whatever you want to do there so now let's look at a cost comparison chart and we're gonna do this with a 720 score so i'm comparing four loans here um this is gonna be this standard conventional this is for first time home buyers then we have a home ready at three percent down a five percent down standard conventional loan and then an fha loan for comparison this is all with a 300 000 property so we can see the down payment for all these here these are all 30-year loans all right we can see the rates so we can see home ready has a little bit lower rate and also we can see this three percent down has a higher rate than five percent down and then also fha has a lower rate of all three of them however we'll see how much more expensive it is so it's not all just about the rate here okay so we can also see mortgage insurance mortgage insurance is cheaper on home ready and it's even cheaper when we put more money down so if we take a look here at total monthly cost we can see these are all pretty similar fha is where it gets a lot more expensive when we think why in the world we have a lower interest rate it's because the mortgage insurance is so much more expensive on fha loans and if we take a look at a 30-year net cost of each of these loans um we can see the cheapest here is this five percent down oops is five percent down conventional all right um and then that is followed by the three percent home ready three percent normal and then up here is fha this cost difference over 30 years is just over 50 000 okay so even though fha had that lower rate it has that mortgage insurance that makes it so much more expensive so the difference is between you know these three loans here over a 10-year period so this is 10 years your cheapest option is the five percent down conventional so this is number one your next cheapest option is three percent down home ready all right so it's five thousand dollars more expensive than the five percent down option your next cheapest option is three percent down conforming conventional and that's almost eleven thousand dollars more expensive than five percent down and then your worst option which i would never recommend um in this scenario with a high credit score is fha and that's going to be almost 17 000 more expensive over 10 years than the 5 down loan okay so seller perception when we're using loans we have to keep in mind how the seller is going to look at the financing that we're using because they're going to get to see are they using a conventional loan are they using cash are they using an fha loan so conventional loans are seen as the standard option to sellers most sellers expect a 30-day close they expect to see a buyer using some sort of financing and they normally expect it to be conventional loan so this is good right we don't really come at a disadvantage using conventional and actually often conventional loans can be seen as more preferable than cash not necessarily because it's a conventional loan and we think well cash would be more preferable because there's a higher guarantee of it closing and it can close faster but keep in mind people with cash offers tend to lowball a seller they tend to come in with cash and say i'll offer you cash we'll close it quick i can guarantee that i'll close it but i want to offer less money because of that ease so since sellers in their mind most of the time prepare for a 30-day close and they prepare for financing they tend to rather go with a conventional loan that is going to be offered at a higher price than a cash offer all right now that's not always true and it's going to depend on your market and all sorts of things but for the most part conventional loans sellers are expecting so when we can offer them a good price we have a higher chance of them accepting our offer compared to so many other types of financing including cash but especially government loans like fha va and usda conventional beats those out by miles just because sellers can get a little bit afraid of these government loans even though they're good programs so how do we apply to apply for a conventional loan what we're going to do is we're going to shop with three different types of lenders and the reason we're shopping with three different types of lenders is we want to see a good spread of different types of lending companies and what they can offer for us so i think you only need to get three quotes before you decide on a lender otherwise you get stuck in kind of like analysis paralysis we can't make decisions because we have too many options in front of us kind of like when you go to the grocery store and you want to pick up ketchup and there's like 40 different types of ketchup and you're thinking i i just want i don't know just tell me which is the just give me a ketchup i don't care about if it's gmo and organic and all that junk or maybe you do um that's just me i guess so i want you to shop at a local credit union then shop with a local broker and local can be to your state it doesn't have to be like your city and then i want you to shop with a bank or a direct lender that's going to give you a good spread to see what kind of options can be presented to you with a commercial loan so you can compare them side by side to see which is going to be your best conventional offer conventional loans tend to need a little bit more time to shop with because if you're a conventional buyer you're going to tend to have higher credit maybe more income more savings and so uh you know lenders tend to prefer those types of buyers prefer to give out loans to less risky buyers and so they tend to be more competitive and aggressive they want to earn your business maybe a little bit more than a lender who is just primarily giving out government loans or government-backed loans i should say they're not given out by the government they're backed by the government so shop with these three to see what's going to be your best option for conventional so if you want to learn about the four main types of loans we covered one here right now this conventional loan but if you also want to learn about fha usda va which one is going to be right for you there's a playlist right over here check out these videos to see which is going to be the best loan option for you

Channel: Win The House You Love

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Keywords: win the house you love, kyle seagraves

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Length: 34min 43sec (2083 seconds)

Published: Sun Jan 17 2021