Worried about credit? John and Jody were too
New to Texas, living with their adult kids and worried about credit, John and Jody were sure buying would not happen. Today they own a home in Sherman.
Did John and Jody think they could buy a home?
John and Jody were new to Texas, living with their adult kids, worried about their credit and unsure their income would be enough. They were convinced buying a home was not going to happen. Today they own a home in Sherman, Texas.
Starting over in a new state
They moved from Colorado to be closer to their kids, and for about four months the whole family shared a rental.
We had moved down here to purchase a home. But we thought for sure it wasn't going to happen.
The reasons were familiar ones: a short income history in a new area, credit that was not great, no experience with Texas real estate, and earlier run-ins with pushy brokers that left them discouraged. Jody summed it up in one word: "Aggravating."
The ad she almost ignored
Jody first saw an ad for Brad's webinar while scrolling Facebook, and assumed it was fake. She scrolled past it, then saw it again, and again.
I think it showed three times in the span of two days, and I was like, 'Okay, something is telling me to do it.'
What made her click was the tone of the short video: easy-going, informative and not pushy. Once they started, they could get answers when they needed them, including on weekends.
The process
They switched houses partway through, and as newcomers to Texas they had to provide extra documentation. Even so, things moved more smoothly than they expected.
I came into this thinking it was gonna take years before I could purchase a house. It wasn't.
For Jody, the keys meant security: "When you're renting, you just never know if they're gonna sell it out from underneath you."
The ripple effect
Their experience went well enough that their adult children went on to buy homes too. "I made them sit down with us for the webinar," Jody said. "They were coming in from work and I just made them sit down."
What Jody wants other renters to know
The most you have to lose is an hour of your time. But you gain so much more information and opportunity.
To anyone who sees an ad and assumes it is fake, she passes on her grandmother's advice: "It doesn't hurt unless you try. If you don't try, you never know."
And the honest part
John and Jody's experience is their own, as is each of the other buyer stories. Results vary, and their timeline, approval and payment are not a promise or prediction for anyone else. Whether a mortgage payment comes in below rent depends on the home, the loan, taxes, insurance and current rates. This is general education, not a commitment to lend.
Does it hurt to try?
The two-minute quiz narrows the list to the options worth a closer look for someone in this position.