Don't Pay Retail: Mortgage & Home Loan Tips with Ty Keller

Most buyers think FHA is the "bad credit" loan and conventional is the "real" one. That is not how it works, and picking wrong can cost you for years. Ty Keller breaks down the one difference that actually matters and how to choose with your own numbers. In this episode: Why FHA vs conventional is not "bad credit vs good credit" The real difference: how mortgage insurance works on each, and why co...

You did your homework, compared the big names online, and picked the best rate you could find. Smart instinct, wrong aisle. The lenders that are easiest to find are the most expensive, and the cheaper ones can only be reached through a broker. This episode breaks down the wholesale model and why it matters to your wallet. In this episode: Why the lenders you find by Googling are retail, with adver...

Make good money but can't show it on paper? Write-offs, gig income, and cash-based businesses can make a perfectly affordable buyer look "broke" to a normal lender. This episode breaks down the no-income, no-employment-verification loan built for exactly that. In this episode: Why self-employed and gig buyers get denied even when they can easily afford the home How a "no-ratio" loan works: no tax...

New physicians get a brutal surprise: great income on the way, but a regular lender looks at the student debt and thin savings and says "you don't qualify." This episode breaks down the loan built for exactly that situation. Visit https://tyclosesloans.com/doctor-loans/ for more info or contact Ty Keller at 404-561-6695. In this episode: Why new doctors get denied (and why it's u...