Student Loans

Iowa Student Loans Liquidity – 2021 Conventional Loan Requirements (NEW And Complete Guide)


Iowa Student Loans Liquidity – Whats The Best?

Can you get a Conventional loan in 2021? Here’s everything you need to know to find out!

– Loan limit lookup →
– HR/HP AMI map →
– LTV chart →



✅ Max Purchase Price Calculator:
✅ 7 Proven Ways To Save Thousands On Your Home:
✅ Listen To The Podcast:

✅ Online real estate school with 30% discount:
✅ The recording gear I use:

0:00 Conventional loan requirements
0:24 Overview
2:18 COVID Changes
3:48 Down Payment/Closing Costs
6:19 Credit Requirements
7:47 Credit Events
8:22 Student Loans
10:32 Rates
11:33 Mortgage Insurance
13:16 Property Requirements
13:54 Example Homes
14:47 Loan Limits
15:48 Appraisals
17:30 Employment
18:42 Debt-To-Income Ratio
21:35 Seller Credits
22:49 Special Requirements/Features
26:00 HomeReady/HomePossible
27:28 Refinancing
28:41 Cost Comparison
31:13 Seller Perception
32:49 How To Apply
34:29 The 4 Main Types Of Loans

As an Amazon Associate, I earn a commission from qualifying purchases.
*Advertisement from Credible Operations, Inc. NMLS 1681276, not available in all states. Visit for important information about Credible’s licenses.
Credible pays Win The House You Love an advertising fee when you submit a pre-qualification request.
Kyle Seagraves
NMLS# 1701021
Motto Mortgage Alliance
8900 N. Dixie Dr.
Dayton, OH 45414
Equal Housing Opportunity

Thanks for watching the Iowa Student Loans Liquidity video!

Watch the Iowa Student Loans Liquidity video on Youtube



  1. Win The House You Love
    July 25, 2021 at 9:56 pm

    Clarification: on Freddie Mac student loans, IBR will work IF the payment is above $0/mo. Often, I see IBR reflected as $0/mo on the credit report which will require the 0.5% payment requirement in the DTI.

  2. Kenisha Smith
    July 25, 2021 at 9:56 pm

    Thank you so much!!! I could have already bought my house but I thought I needed 20% down payment to qualify for a conventional loan, so I just kept saving and saving, thank God you cleared that up! At least I’ll have additional money in my savings after putting 5% down. PS I just subscribed!!!

  3. Stella Ngwe
    July 25, 2021 at 9:56 pm for the knowledge

  4. S C
    July 25, 2021 at 9:56 pm

    Very helpful, thank you

  5. Kavan Jani
    July 25, 2021 at 9:56 pm

    Hi what do you think about locking rates for 6-9 months?

  6. Lamont Scales
    July 25, 2021 at 9:56 pm

    Man he broke this ALL THE WAY DOWN! Thank you my friend!

  7. Yency Martinez
    July 25, 2021 at 9:56 pm

    Awesome video! You would be an excellent teacher

  8. Me and anime t love
    July 25, 2021 at 9:56 pm

    But you forget something in the 2year w2 tax return if one say you made 80k but the second one say 40k you have a problem lenders you will go in the middle so that mean you made only 60k in some people because of cov19 loss them job so you have to wait 1 year in addition in order to qualify for a loan

  9. Brian Stevens
    July 25, 2021 at 9:56 pm

    You kind of messed up the IBR for freddie thing.

  10. C Green
    July 25, 2021 at 9:56 pm

    Is it too late to ask to put 5% or more if you are still in underwriting or done with underwriting but haven't closed yet to try and lower my rate right now im at 3% dwn

  11. Aly Calabria
    July 25, 2021 at 9:56 pm

    I’m already homeowner but I really enjoy how clearly this is explained. This is a great information source for me to share with friends and family. Thank you.

  12. Alejandro Guimoye
    July 25, 2021 at 9:56 pm

    I'm a business owner, but pay myself with W2 + bonuses. Is it better to apply as "employed" (since I have the W2s to show steady income) or as "self employed/business"? Thanks man!

  13. Maureese Thomas
    July 25, 2021 at 9:56 pm

    Hi I just want to ask the question I’m living in New York City as you know New York City is very expensive most of the houses here now I’m going for $700,000 to 800,000 with that price but I still be with you qualify for FH a loan

  14. Jessica Richards
    July 25, 2021 at 9:56 pm

    Literally just watch you because you’re attractive

  15. Sweet Petals
    July 25, 2021 at 9:56 pm

    Best 30 min I’ve spent on YouTube hands down! Ty

  16. James
    July 25, 2021 at 9:56 pm

    what would underwriter look for with a retiree receiving social security & pension, no longer working any job?

  17. Talymo
    July 25, 2021 at 9:56 pm

    I’m so confused at 20:59 because I make close to $100,000 a year and there is no way i could afford a $4,000 mortgage payment a month. Even with zero debt. How are you getting these numbers? If I had a mortgage payment that big I would be living on $1000 to last me the rest of the month. Internet, electricity, groceries, car insurance, phone payment, medicine, etc… would eat all of that up in a heart beat.
    How is that possible?

  18. Nova Yeung
    July 25, 2021 at 9:56 pm

    Thanks 🙏

  19. Gameplay Stop
    July 25, 2021 at 9:56 pm

    If you get a conventional loan and put 5% as down payment, clearly less than 20%, would you have to pay for private mortgage insurance?

  20. Bruk Yohannes
    July 25, 2021 at 9:56 pm

    Thanks for video it's really helpful socially like me first home buyers same time I like start Realstate business so am watching almost all your video

  21. Denis Satria
    July 25, 2021 at 9:56 pm

    I am looking to purchase a house in less than 3 months. I just recently moved to the US in August 2020, but I have been working for the same company for over 4 years . Since I was working not under US entity so I do not have w-2 and no US tax filing document for 2 years. I only have w-2 from 2020. Am I still qualified for conventional loan? or i will need to go with FHA loan? Thanks for your help.

  22. C. Dee
    July 25, 2021 at 9:56 pm

    Is the home appraisal included in the closing cost, or is that paid separately?

  23. Moon Choi
    July 25, 2021 at 9:56 pm

    Thank you

  24. Giselle Cataneo
    July 25, 2021 at 9:56 pm

    For the employment does it need to be in the state you are applying for?

  25. Olympia Lopatin
    July 25, 2021 at 9:56 pm

    My broker told me to save $15-$20,00 for closing on a $520 condo in NY. He never mentioned I could ask seller for closing cost or types of grants. Any advise from anyone.

  26. Donika Tod
    July 25, 2021 at 9:56 pm

    Wait, the 80% income limit – does that mean you have to make AT LEAST that or AT MOST that?

  27. Donika Tod
    July 25, 2021 at 9:56 pm

    So comprehensive. Thank you! Thanks for the new appraisal request tip. However, you do have to pay for each appraisal separately out of pocket, so that's something to have in mind.