Home Story with Veronica (Aired 12-26-25) First-Time Buyer Essentials, Credit & Loan Types Explained

Chapters

• (00:00:00) - Home Story with Veronica
• (00:01:55) - Get Pre-Approved Before Even Looking at Homes
• (00:06:39) - Get Pre-Approved to Buy a House
• (00:07:17) - What credit score is realistic to shoot for as a first time buyer
• (00:07:54) - How to Improve Your Credit While Getting Ready
• (00:08:38) - How Much Money Should Homebuyers Save for Their Down Payment?
• (00:11:31) - Home Story
• (00:12:58) - The Credit Score That Matters Most
• (00:14:41) - How Do Debt to Income Ratio Compare?
• (00:17:46) - Can Cash Income be Count as Income on Your Tax Return?
• (00:20:16) - What is the biggest credit mistake that you see new buyers make?
• (00:21:35) - Mortgage: Do Bad Things Hurt Your Credit?
• (00:23:35) - Which Mortgage Is Best? FHA vs Conventional?
• (00:26:15) - FHA vs. Conventional Mortgage
• (00:27:23) - FHA vs Conventional: What's The Difference?
• (00:28:56) - USDA or VA Farm Loans
• (00:29:27) - USDA vs VA Home Loan: What's The Difference?
• (00:32:00) - USDA and VA Loan Programs
• (00:32:51) - Mortgage Insurance and PMI
• (00:35:50) - Home Story with Veronica
• (00:37:17) - What Underwriting Is Really Done
• (00:38:54) - Why Do Appraisal Valuations Come in Low?
• (00:39:42) - 3 Ways to Delay a Loan Application
• (00:43:19) - When Buying a Home With a Self-Employed Lender
• (00:44:39) - Buyers Should Know What To Do While Waiting For Final Approval
• (00:47:53) - Home Story