in today's video I wanted to focus on the experience of buying a house in the
United States I think there are three key components that go into buying a
house here first of all you need to really think about where you're looking
for a house. what I mean by that is there are more factors that you need to
take into consideration than just that location of restaurants and places you
would like to hang out that the big factor are the school district no matter
whether you plan to be a parent or not and take advantage of the school
district if you have a bad school district you right away lose a bunch of
clientele because a lot of the parents who have the kids or are planning to have
the kids will not consider your house if it's in a bad location so do take that
into consideration
there's a careful balance between the school district and the taxes that you
are paying and frequently it depends also on the businesses that reside in
your County because if there are no businesses who are paying taxes and
guess what you're gonna be the one paying them so that was your lesson
number one kids location but from the perspective of taxes and the school
district
people think that I'm joking when I say that my house is actually on the edge of
the forest well I'm pretty sure that that I just saw a yeti over there like
some over there if you look up close yep I'm not kidding at all okay moving on to
lesson number two I also realized I think I sit down a lot in my videos I
need to start moving a little bit more now lesson number two I think lesson
number two now that you've located the house that you were interested in and
you feel like the taxes are reasonable and the school district is fine so you
know that you can resale it now there's a whole process of purchasing and one of
the best advices that I got from the very beginning was to pre apply for the
mortgage and especially now for you immigrant friends out there like myself
the process gotta take a while and they literally will I think stopped short of
DNA sample when they're trying to verify whether you are eligible for the
mortgage as an example here's the list of things that several banks asked us to
provide just because of the fact that I was an immigrant on the green card and
not a citizen of the United States college transcripts from prior to me
actually moving to the United States which like I don't know what they're
gonna do with this six months of bank statement for each and every single bank
that we own the Social Security card which is I guess is reasonable for 401k
snapshots all the savings all the pension balances work permits driver
licenses if you had a gap of unemployment so there was a month in one
year that I've been here when I was unemployed when I was switching from one
job to the other they actually asked me to write a letter on why was I
unemployed plus they would keep asking us things
about -oh, do you have too many credit card accounts few credit card accounts
not enough credit history literally at some point when we kept providing like a
stock pile of paperwork I think my wife started saying like you know what I think
it will be easier for us to divorce for me to buy a house on my own rather than for
us to buy a house together because we're trying to put a mortgage in both of our
name good luck in a lot of patience the purchase process is pretty tough
especially when it comes to acquiring the mortgage the second point under the
purchase of the house one thing I would recommend is don't go cheap on the
inspection when we were buying this house and one of the reasons I wanted to
make part of this video on the roof is that the inspection actually found out
that there is a leak in this roof so we were able to negotiate the cost of the
roof repair and there was also a gas leak actually can you imagine there was
a gas leak in our furnace in a summary for the lesson number to pre apply for the
mortgage early and please be patient with the process if you're not born in
this country if you're not a citizen of this country and number two don't go
cheap on the inspection inspection is very important and it can help you a lot
at the purchased moment when you are at the table now let's move on to lesson
number three
I don't know if this is the right way after all I was born in the city and
it's just like my first time experience country living I think this is how
you're supposed to mix it up but
as I said - I am a city boy....overkill...
lesson number three is - get ready to do some work
hiring a help here in the United States is actually pretty expensive
cleaning the roof probably gonna be about a hundred to two hundred dollars
leaf blowing of this freakishly long driveway and like all around the
house one of the quotes I got is actually something like north of five
hundred dollars take that into account when you're buying a house it is a lot
of work unless you're really enjoying it
house ownership in the United States is not that easy please take into account
those three lessons that I tried to share with you
number one thinking about the location where you're purchasing the house number
two thinking about actual process things like pre applying for the mortgage and
making sure you did the right inspection and you know what you're getting
yourself into and number three get ready to do some
work unless you really enjoy it or you make enough to pay someone to do this
job for you I consider this channel friendship
sometimes as friends we have fun we do silly things we do more important things
and we talk about serious subjects like buying a house I hope you enjoyed it hit
the subscribe if you want to see more of the content like this check out the rest
of the channel for some of the other videos comment below and let me know
what you thought about this video and what you would like me to do next and
I'll see you the next one
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