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  • Hey guys!

  • It's Ariannita la Gringa

  • and welcome back to my YouTube channel.

  • In today's video, I will teach all of you

  • how to buyhouse in English in the United States.

  • But I'm not by myself

  • I'm with my friend Katherine who's a realtor.

  • So Katherine, what is a realtor?

  • A realtor is the person

  • that is going to help you buy, sell, or rent your house.

  • Katherine is a realtor

  • so she's going to show me

  • around this beautiful model home.

  • Stay till the end of the video

  • because Katherine's going to tell us

  • the price of the house

  • and how much it costs

  • and she's going to explain the steps

  • on how to buy a house in the United States.

  • Katherine, where are we right now?

  • So we are at a model home from Fischer Homes.

  • What is a model home?

  • A model home is a house that builders make

  • for people to be able to see what a home

  • would look like after they build it for them.

  • Okay so basically no one lives here

  • it's brand new, right?

  • Yes.

  • Katherine, now I'm curious to see

  • what this home looks like...

  • Can you show me around this house?

  • Of courseLet's go inside and take a look at it.

  • Before taking a tour inside the house

  • with my friend Katherine

  • I will show you the front part of the house.

  • What is this called that I'm standing on?

  • This is called a driveway (driveway).

  • It's basically like a small road

  • where cars can drive through.

  • You can park your cars on the driveway

  • or in the garage right there.

  • Every house in this neighborhood has this.

  • This is called a mailbox (mailbox).

  • The mailman will open up this mailbox

  • and put the mail inside the box

  • and then you'll have your mail.

  • Before walking inside the house

  • with Katherine, I wanna ask her...

  • Katherine, do you know what this part of the house is called?

  • Well Ari this is called the front porch.

  • This is called the front porch

  • so basically it's a covered outdoor space

  • and normally people will have rocking chairs

  • or just regular chairs

  • where they can hang out in the evening.

  • And then over here before entering the house,

  • there is a doormat (doormat).

  • Outside the front door

  • and next to the front porch

  • Americans normally have a security camera

  • and they have a doorbell.

  • This is a doorbell.

  • Katherine if I ring the doorbell

  • will someone answer the door?

  • Well, there's nobody really here

  • because this is a model home

  • so it's just open we can just go inside.

  • Okay perfect let's go inside!

  • Well, let's start the tour with this room.

  • This room could be used as an office,

  • a dining room,

  • I mean you can do pretty much anything

  • you want to do with this space.

  • In this room, you can find four white chairs.

  • There's also wine glasses,

  • but this is all fake because this is a model home.

  • And there's also a coffee table in this room.

  • Katherine this food is making me really hungry!

  • I know it looks real, doesn't it?

  • Yeah, but it's actually fake.

  • Yeahpeople come here all the time

  • and try to eat it and I'm like yeah no it's not real.

  • Let's continue with the tour.

  • I want to show you what's behind this door over here.

  • Do you know what it could be?

  • I don't know I think it might be a closet...

  • I don't know.

  • Well, it's actually a half bath.

  • Katherine, you just said half bath.

  • What is a half bath?

  • A half bath is a bathroom withoutshower.

  • Basically, there's just a toilet in here,

  • there's a sink and that's it.

  • There's no shower or bathtub

  • so you can't take a bath or a shower.

  • Ari, now I want to show you my favorite

  • part of this home.

  • It is the living room, let's go check it out!

  • Katherine, what can we find in this living room?

  • Well, you can find some really nice furniture.

  • Over here there's these windows

  • that I love and 9-foot ceilings.

  • Can you believe that?

  • Wow!

  • These ceilings are really tall it's really high.

  • And Katherine, if I want to buy this house

  • will it come with all this furniture?

  • No, honestly that won't happen.

  • It usually just comes without anything  on it.

  • They just put the furniture

  • so you can see what it would look like.

  • And that's why this house is called a model home

  • so the clients can see

  • the house full of furniture

  • and it feels like a true home.

  • By the way, if you haven't watched my video

  • about furniture vocabulary

  • go ahead and check it out.

  • I'm in the living room

  • and what kind of things

  • can you find in the living room?

  • Well, right next to me

  • there is a couch or you can call it a sofa.

  • This is a coffee table

  • and the living room is used for relaxing

  • so you can take a nap on the couch,

  • you can also use the living room

  • to entertain your friends and family,

  • you can watch TV.

  • There's a TV stand right here

  • and over here there is a lamp.

  • This is a lamp.

  • So Ari next to the living room

  • you're gonna find the kitchen.

  • And when you buy a home

  • the kitchen comes equipped with some appliances.

  • So one of them is the microwave,

  • you're also gonna have a stove,

  • and a dishwasher.

  • Katherine, so when I buy this house

  • if I want to buy it

  • then it comes with a microwave,

  • a stove,

  • and a dishwasher, right?

  • Yes.

  • But what about the fridge?

  • So the fridge is the only thing

  • that you're not going to have in the home.

  • You have to purchase that on your own.

  • What is a kitchen?

  • A kitchen is a place where you can prepare and cook food.

  • And Katherine, can I actually eat this cake?

  • It looks so delicious!

  • I wish we could.

  • It's just fake, unfortunately.

  • This is a fridge.

  • You can call it a fridge or a refrigerator.

  • And below the fridge, this is a freezer (freezer).

  • Also, if you havekitchen where do you keep your food?

  • Well you can keep your food

  • in the cabinets right here

  • or if it's a big kitchen you might even have a pantry.

  • This is a pantry.

  • And look!

  • There are some Quaker Oats.

  • There's actually food in here.

  • This whole thing is called a stove (stove).

  • This is a stove top

  • where you can cook things on a skillet.

  • For example, you can cook up some pancakes.

  • These are pancakes, but they're fake

  • so I'm not going to eat them.

  • And then below the stovetop,

  • this is an oven (oven).

  • You can bake cakes,

  • you can bake muffins in here,

  • and you can cook meat too.

  • Next to the kitchen,

  • you're going to find the table.

  • This is a dining table

  • where you can sit and eat with your family.

  • There's really nice natural light coming from outdoor

  • and also this very beautiful chandelier.

  • This is like something I really like about the home.

  • This is a beautiful chandelier (chandelier)

  • and when it gets dark out

  • I can just turn on the chandelier

  • and the lights will come on.

  • This is a light bulb (light bulb).

  • I like that this room is very spacious

  • and it's right next to the kitchen.

  • Also, there's a very beautiful painting

  • on the wall.

  • This is a painting (painting).

  • Katherine, there's a door right here

  • next to the kitchen table.

  • Can you show me a little bit more

  • what the house looks like from the backyard?

  • Yes, of course, we can go out there and look at the patio.

  • Sure, let's go!

  • Right now we're outside,

  • we're on the patio,

  • we're sitting down in these beautiful chairs,

  • and right in front of me,

  • this is a fire pit.

  • This fire pit can get really hot

  • and it can be really nice to roast some s'mores

  • during the summer.

  • And if you get really cold you can just turn it on.

  • Yeah, it would be nice to turn it on right now

  • because it's very cold.

  • Yeah, and I don't have my jacket.

  • Yeah me neither.

  • This is the yard but specifically,

  • this is the backyard.

  • It's just an outdoor space

  • in the back part of the house.

  • Did you guys know that in British English

  • instead of saying yard they say garden?

  • In American English if you refer this part to garden

  • that would not be correct because a garden

  • is where you grow plants and flowers.

  • Katherine, can you tell me a little bit more

  • about what you would have in your backyard?

  • Yeah well, some people put pools

  • in the backyard.

  • Some people also put fences

  • when they have dogs or pets.

  • This is just an open backyard.

  • So there isn't a fence,

  • but you can actually put a pool here

  • because this is pretty spacious it's pretty  big.

  • Before walking upstairs

  • and having you show me around more parts of the house,

  • how can people find you on social media?

  • Yeah well, you can find me on both Facebook and Instagram.

  • On Facebook Katherine Forja - Huff Realty

  • and then on Instagram I'm katherine.forja

  • So if you guys want to buy a house

  • or if you have any questions,

  • you can go ahead and contact her.

  • Her social media links are right here

  • and in the description box below.

  • Also, my friend Katherine is from Venezuela.

  • Yes Ari, in fact, I'm trying to help the Hispanic Community

  • because I can help them in Spanish or English.

  • I know sometimes it's hard it's difficult

  • to buy a home in a language

  • that is not your native language.

  • I just wanted to throw that out there

  • if anybody needs help in Spanish

  • can help them as well.

  • Do you want to go upstairs now?

  • We can check [out] the master bedroom it's  really really nice.

  • Yes, let's go check it out.

  • This is the master bedroom

  • which is also calledprimary bedroom.

  • This bedroom is big!

  • The master bedroom is normally the biggest

  • bedroom in the house, right?

  • Yes!

  • How many bedrooms does this house have?

  • It has four bedrooms.

  • This house is pretty big to have four bedrooms.

  • Since this house has four bedrooms

  • you can just call itfour-bedroom house

  • and if it has less bedrooms

  • like the one next door

  • you can just call itthree-bedroom house.

  • This is the master bedroom

  • it's the biggest room in the house.

  • So this is a king-size bed.

  • It's pretty big

  • I can fit three of me in this bed. It's huge!

  • And then right next to the bed,

  • there is a nightstand.

  • This is a nightstand.

  • And then over here they even havecouch in this room.

  • A couch.

  • And this is a walk-in closet.

  • It's a walk-in closet

  • because you can walk in here and then hang up all of your clothes.

  • This bedroom has its own private bedroom.

  • Let's check it out.

  • This is a bathroom (bathroom).

  • So some bathrooms in this house

  • don't have a place

  • where you can take a shower or bath

  • and that's called a half bath,

  • but this is a full bath

  • so there's a shower right next to me.

  • In this bathroom, there are two sinks.

  • This is a sink.

  • And over here this is a vanity (vanity).

  • And this is a nice place where you can do your makeup.

  • And then this bathroom is even bigger

  • because there's another walk-in closet

  • where you can hang up even more clothes

  • and then of course this is a bathroom

  • so over here there istoilet.

  • Before we go to the other bedrooms,

  • I want to show you this is the laundry  room.

  • Here you can put your washer and your dryer.

  • Just so you know when you buy a new home

  • it doesn't come with the washer and dryer.

  • You will have to purchase that.

  • Katherine, we just came from the first floor,

  • but now we're on the second floor.

  • Is this the third floor?

  • Yes, that would be considered the third floor.

  • And this house actually has five levels.

  • So there's three above the ground

  • and then two under the ground.

  • What can I find on the third floor?

  • So on the third floor we're going to find

  • three bedrooms and one bedroom.

  • You wanna go check it out?

  • Yeah let's go.

  • Right now I'm in the first bedroom

  • on the third floor.

  • This bedroom is a lot smaller

  • compared to the master bedroom

  • and they have two beds.

  • Do you guys know what this bed is called?

  • This is called a bunk bed (bunk bed)

  • and there's a ladder right here

  • so you can climb up the ladder

  • and then sleep on the top bunk.

  • Now Katherine is going to walk me downstairs

  • because she's going to show me

  • the basement

  • because remember this house

  • is huge and it has five floors.

  • And when I walk down the stairs

  • I will use this rail to guide me

  • down the stairs.

  • This is a rail so I'm putting my hand on it

  • and I'm walking down the stairs

  • that way I don't trip and fall.

  • You're going to notice that the flooring changes

  • throughout the home.

  • The stairs are usually carpet

  • and then the main level is hardwood flooring.

  • Now you can choose

  • to make the stairs hardwood floor as well.

  • It just depends on what you like.

  • Yeah I love the hardwood floors

  • on the first floor and then I love the variety.

  • You can have hardwood floors or carpet.

  • Katherine, what's over there?

  • So that normally would be a garage,

  • but since this is a model home

  • you're gonna find the office right there.

  • Now let's take a look at the basement.

  • Yeah let's go, I'm so excited to see it!

  • Right now, Katherine and I are in the basement.

  • So the basement is the level below the first level

  • so it's underneath the first floor.

  • This is a nice space to watch a movie

  • or just for entertainment,

  • bring your family members,

  • and just hang out in here

  • and eat some popcorn.

  • Yes.

  • Now I want to make sure

  • that you understand there's two parts

  • of the basement in this home.

  • One of the parts of it is unfinished.

  • We're gonna show you that next.

  • So when you buy a home you have the option

  • to finish the basement

  • if you want to make it a space like this

  • or just have it unfinished and that makes  it cheaper.

  • Okay so this is a finished basement,

  • but below this basement

  • that is the unfinished basement, right?

  • Yes.

  • Let's finish eating this fake popcorn

  • and drink this fake coke

  • before heading downstairs.

  • All right.

  • Cheers!

  • This is the unfinished basement.

  • Some people use this as storage space.

  • Normally in the basements

  • you're gonna find the furnace

  • which is over there behind you and the water heater.

  • Now we're in the final part of the video!

  • Thank you Katherine for showing me around the house.

  • You're welcome!

  • And I have a question...

  • How much does this house cost?

  • So a house like this... this is a model home,

  • but a house like this in this neighborhood

  • would cost around $600,000.

  • And actually, once they're done building in this area

  • they're going to sell this home to somebody.

  • Now that we know that this model home

  • costs around 600k

  • how would someone (like one of my subscribers)

  • be able to buy a house in the United States?

  • What's the process?

  • So that process is gonna change

  • depending on a few different factors.

  • You have two options.

  • You can buy [it with] cash

  • which means that you're gonna buy it

  • with money out of your pocket.

  • And then you can buy it through a loan.

  • You can go to a financing company

  • and apply for that loan.

  • Once you have that part set up

  • then you have to go with a realtor

  • and start looking at homes.

  • Once you find the home you like

  • you can put in an offer

  • and that's it the house is gonna be yours.

  • So there are two ways to buy a house.

  • So with cash

  • with the money that you have saved up

  • in your bank account

  • or the second way is getting a loan from the bank

  • where the bank will lend you money

  • (you borrow this money)

  • and then you pay off this money with a mortgage.

  • So each month you'll have to pay for the  house

  • and that's your mortgage payment, correct?

  • Yes!

  • And then you'll also be paying interest too

  • with your mortgage depending on how many years

  • you have that loan for.

  • Yes.

  • So if you have like a 15-year loan

  • it'll have a different interest rate

  • than if you are paying for a home over time

  • like a 30-year loan, right?

  • Yes.

  • So I just want you to keep in mind

  • that if you buy the home through a loan

  • then you're gonna have to put a down payment down.

  • And the down payment could be 3 or  3.5%

  • down if it's a house that you're going to be living in.

  • And if it's an investment home

  • it's around 20% down.

  • So for example if I want to buy this model home

  • that's $600,000

  • then for my down payment I have to put down 3 to 3.5%

  • of the value of the house, correct?

  • Yeah.

  • Okay Katherine

  • let's say that I have the loan approved

  • from the bank so I'm going to borrow this money,

  • and then I'm going to put around 3% to 3.5%

  • of the original value of the home,

  • how much would my mortgage payment

  • be every month?

  • That's a question that I get a lot

  • and honestly I can't tell you a number

  • because it depends on different factors.

  • It depends on your credit score,

  • your work history, your legal status.

  • It depends on a few different things.

  • Just to give you a number

  • I had a client that bought a home around this price

  • 600,000 and they were paying $5,000 per month.

  • They just paid 3% of the value of the home down

  • so if they had paid more

  • then their mortgage payment would be lower.

  • And that's how you guys can buy a house in America!

  • Thank you so much Katherine

  • for showing me around the house

  • (for giving me a house tour)

  • of this beautiful model home.

  • And where can we reach you once again?

  • Well, you can reach me on Facebook and Instagram

  • Katherine.Forja.

  • And where do you live? Where are you based?

  • Well, I can help you in Northern Kentucky

  • and Ohio (around the Cincinnati area).

  • Go ahead and contact her

  • if you guys want to buy a home.

  • And go ahead and give me a like,

  • subscribe, and I'll see you guys next week.

  • Bye!

Hey guys!

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How to Buy a House in USA

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