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