Ask a Mortgage Lender: Jordan Lee Answers First-Time Buyer FAQs

Описание: Ask a Mortgage Lender: Jordan Lee Answers First-Time Buyer FAQs

💬 If you’ve been thinking about buying a home in Vancouver, WA — or anywhere in Clark County — you’ve probably asked yourself: “Can I actually afford a house in this market?” With interest rates fluctuating, lending rules tightening, and social media offering a hundred different opinions… it can feel overwhelming fast.

That’s why in this video, I’m sitting down with Jordan Lee, a trusted local lender, mortgage expert, and fellow AREAA member, to talk through what’s really happening in the mortgage world right now — and what it means for you as a buyer in Southwest Washington.

Hi friends! I’m Jasmine — your Vancouver, Washington Realtor extraordinaire and relocation guide. I work with buyers, sellers, and families moving to Clark County and the Portland metro, and I believe in real talk, strategy, and connection. This market isn’t easy — but with the right guidance, it’s absolutely doable.

📌 In this video, we’ll cover:
✔️ What today’s interest rates actually mean for monthly payments
✔️ How rate buydowns and seller credits can make a huge difference
✔️ Smart strategies for first-time buyers and out-of-state relocators
✔️ What lenders look for in 2025 (and what you should know in advance)
✔️ Why getting pre-approved with a local expert is so powerful
✔️ How Jordan and I team up to get buyers across the finish line

🌟 Bottom line: You don’t need perfect timing — you need the right plan and the right people. This video will help you understand the current lending landscape so you can make a move with clarity and confidence.

🔗 Ready to explore your homebuying options?
📋 Buyer Questionnaire (to start your search): https://www.jotform.com/242777865137167
📋 Seller Questionnaire (to prep your sale): https://form.jotform.com/250910971428156
🏡 Browse homes for sale in Vancouver + Clark County: https://jasmineyamamoto.exprealty.com

👥 Connect with Jordan Lee – Mortgage Advisor
🌐 Website: https://jordanleemortgage.com/
📱 Instagram:   / jordanleemortgage  

📢 Don’t forget to:
✅ LIKE this video if you found it helpful
✅ SUBSCRIBE for honest conversations on buying, selling, and relocating to Vancouver, WA
✅ COMMENT BELOW – What questions do you have about mortgages or home buying in 2025?

🔔 Subscribe for real, practical real estate advice 👉 @journeywithjazzRE

✅ Stay Connected With Me:
👉 Instagram:   / journeywithjazz_  
👉 Facebook:   / jasmineasae  
👉 Website: https://jasmineyamamoto.exprealty.com
📧 Contact: [email protected]
📞 Call/Text: 808-208-7132

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00:00 – Introduction & Guest Welcome
00:45 – Jordan’s Background & Story
02:00 – Who Jordan Helps (First-Time Buyers & Investors)
03:30 – Realtor vs. Lender: Who to Talk to First
05:00 – Three Core Buyer Questions
06:30 – Pre-Qualification vs. Pre-Approval
08:30 – What to Have Ready for Your Lender
09:45 – Down Payment Myths (20% Not Required)
12:00 – Credit Scores & No-Credit Options
14:00 – Loan Types: Conventional, FHA, VA, USDA
15:30 – USDA Loan Details
16:30 – Interest Rates in 2025 (6–8% Range)
18:30 – Mortgage Rates vs. Federal Funds Rate
20:00 – Historical Perspective on Rates
21:00 – Paying Points & Premium Pricing
23:00 – When to Buy Points vs. Take Credits
24:30 – Refinancing Explained
27:00 – Prepayment Penalties Today
28:00 – Buying & Selling at the Same Time
30:30 – Winning in a Bidding War
33:00 – Common Buyer Mistakes During Escrow
36:00 – Qualifying Without a Job (Asset-Based Loans)
37:30 – Should You Wait or Buy Now?
40:00 – Final Advice & Market Mindset
41:00 – Closing & Outro

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