Questions? Call/Text: 210-777-7293
Welcome to my channel! Here, I focus on empowering veterans and service members with insights into the VA Loan, First Time Home Buyers, House Hacking & Real Estate Investing.
With nearly 10 years of experience, I have provided guidance for thousands of veterans & families from the perspective of a mortgage lender and realtor.
Subscribe for updates and start your path to homeownership today!
Joshua Payne
VA Loan Specialist, NMLS 1515413
Real Estate Agent, TX License 827555
Serving veterans & families in ALL 50 STATES
Joshua Payne
A couple of you guys have reached out mentioning the website isn’t working. Sorry about that. We are doing some updates to our new site. It should be working now. Check it out!
www.homebyjosh.com
1 week ago | [YT] | 3
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Joshua Payne
We will be live soon! Come get your questions answered.
1 week ago | [YT] | 1
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Joshua Payne
Bringing back the live streams! If you have questions about the VA Loan, come hang out with me. I'll be answering questions live TONIGHT!
2 weeks ago | [YT] | 0
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Joshua Payne
Why do home sellers and realtors hate VA loans? Lets talk about it!
3 weeks ago | [YT] | 0
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Joshua Payne
I launched this channel the summer of 23 with the aim to provide valuable insights to the veteran community about the VA Loan. I never anticipated the incredible growth we've seen in such a short time.
24 was our first full year, and I am truly humbled by the support you've all shown. Thank you for being part of this journey. As we move into 25, I'm excited to continue delivering valuable content and evolving our channel.
Stay tuned for some exciting changes coming soon! I pray 2025 is your best year yet!
With love,
Josh
P.S. - my family is growing and we are so excited. God is good!
3 weeks ago | [YT] | 23
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Joshua Payne
Is there anything NOT VA Loan related you wish we would cover?
3 weeks ago | [YT] | 2
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Joshua Payne
What do you want to see next on the channel?
Is there a topic we haven’t covered previously that you’d like to learn more about?
3 weeks ago | [YT] | 0
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Joshua Payne
To the men and women who have worn the cloth of our nation, thank you!
2 months ago | [YT] | 7
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Joshua Payne
Selling your home? Offering an assumable loan can attract potential buyers. If you have a VA or FHA loan, a new buyer could take over your low interest rate and monthly payment, making your offer more appealing. Buyers love saving money, so a 2-3% interest rate could be a game changer, especially in a market with 5-6% rates.
2 months ago | [YT] | 2
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Joshua Payne
Did you know VA loans now allow for secondary financing? This is great for those looking to assume another veteran's VA loan, taking over the remaining rate, balance, term, and monthly payment. Secondary financing helps when the seller has paid down a large chunk of their loan and is selling at a higher price. For example, if the seller owes $200,000 but is selling for $400,000, you need to cover that $200,000 difference. Now, you can either provide a down payment or get secondary financing to bridge that gap, making it possible to assume the loan without a massive out-of-pocket expense.
2 months ago | [YT] | 3
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