HomeBuying Made Easy

In today's episode we have Joshua on helping cover the topic of unfortunate events, how successors should handle that and who to contact. As always reach out to our team with any questions you may have!

Mr. Mortgage himself! Today we are breaking down some common misconceptions or myths about Michael the host and mortgage expert of the show. Tune in to learn more about him and the team! As always reach out to us if there's any way our team can help you in your home buying journey or if you have any questions. Text or call 615-499-6335 or email Michael@dendyteam.com

What happens when the appraisal comes in lower than your offer price? In this episode, we break down why appraisals come in low, what it means for your deal, and your five options: renegotiate, bring more cash, meet in the middle, challenge the appraisal, or walk away. This is one of the most stressful moments in home buying - here's how to handle it. If you want to learn more or have questions ab...

You don't want to miss this episode, I sit down with Melissa (my wife) and get her perspective on different aspects of the consumer side of owning a home. Not only are you getting insight on what she wishes she knew before our first buy but you'll get to hear what she's learned being married to me. While in the mortgage industry vs when I was a pastor.

Mythbuster Monday with a special guest host! Rachel is under the weather, so Melissa (Michael's wife) is stepping in to bust today's myth: "You can't buy a home on one income." Is this true, false, or kinda true? We break down what lenders actually look at, whether a non-working spouse hurts your chances, and what Melissa would say to families who've assumed for years they can't afford homeownersh...

Can you use a VA loan to buy a fixer-upper? It depends. In this episode, we break down the VA's minimum property requirements, what repairs disqualify a home, and your options for buying a house that needs work - including the VA renovation loan most people don't know about. If you're a veteran eyeing a fixer-upper, you need to hear this. If you want to learn more or have questions about VA loans...

They're back! Zuzu and MaryKate return for round 2 of trying to explain mortgage terms - and once again, they're confidently wrong but absolutely hilarious. From "debt-to-income ratio" to "contingency" to "amortization," my kids take another crack at decoding the mortgage industry. Spoiler: they still have no idea what I do for a living. New episode of Home Buying Made Easy - listen now! Reach out...

Mythbuster Monday is here! Today's myth: "New construction doesn't need an appraisal." WRONG. Even brand new homes have to appraise, and when they don't, it creates serious problems. In this episode, we explain why new construction gets appraised, what can go wrong, and how to protect yourself when building or buying new. If you want to learn more or have questions about new construction financing...

Spring is the busiest time in real estate - but what does that mean for you? In this episode, we break down the spring surge: why inventory jumps, why competition heats up, and what buyers and sellers need to know to win in the spring market. Whether you're buying, selling, or both, here's your game plan for spring 2026. If you want to learn more or have questions about the spring market, reach ou...

Can someone gift you money for your down payment? Yes - but there are strict rules. In this episode, we break down who can give you gift money, how much they can give, what documentation you need, and the mistakes that can derail your loan approval. If you're getting help from family for your down payment, you need to hear this. If you want to learn more or have questions about gift money, reach o...

Title insurance is one of those closing costs that makes people ask, "Wait, what am I paying for?" In this episode of Home Buying Made Easy, we break down what title insurance is, why you need it, and what it actually protects you from. Unlike other types of insurance that protect you from future problems, title insurance protects you from past problems - things like previous owners' unpaid taxes,...

Foreclosure, bankruptcy, bad credit - can you still buy a home? Yes. In this episode, we break down the waiting periods, credit score requirements, and what you need to do to rebuild and qualify for a mortgage after major credit setbacks. Your past doesn't have to define your future. Here's the roadmap to homeownership after financial hardship. If you want to learn more or have questions about you...

In today's hot markets—especially here in Middle Tennessee—many homes are attracting multiple offers, turning the buying process into a bit of a competition. As the buyer (offeree), you're not powerless! In this episode, mortgage expert Michael Dendy breaks down proven strategies to make your offer rise to the top without overpaying or taking unnecessary risks. We cover everything from crafting a...

Pre-qualified and pre-approved sound like the same thing, but they're not - and the difference could cost you the house. In this episode, we break down what each one actually means, why sellers and agents treat them differently, and which one you need before you start house hunting. If you're serious about buying, this episode will save you time and frustration. If you want to learn more or have q...

In this episode, Michael is covering how long you may need to be at a job in order to qualify for a mortgage. If you have questions not mentioned in this episode or pertaining to your specific situation, let our team know call or text 615-499-6335.

This week's episode is something completely different - and we guarantee you'll laugh. In this special episode of Home Buying Made Easy, I brought my 8 and 11-year-old kids into the studio (okay, my home office) to see if they could define common mortgage and real estate terms. The rules were simple: I give them a term we use in the mortgage industry, and they try to explain what it means. No help...

Ever wondered if you could put less down to buy a home? Even if you're not buying for the first time there are still ways to get assistance to own your home! Reach out to our team for more information or to fill out an application! 615-499-6335

Today we're covering the basics! What is a home loan and what types of loans are there? Join us today for an episode where Michael answers the most basic but very beneficial for YOUR home buying experience! As always our team is available for any questions you may have, reach out to us at 615-499-6335

What's coming in the 2026 mortgage and housing market? In this episode, I sit down with my pipeline manager to talk predictions, trends, and what we're actually seeing on the ground. We cover interest rates, inventory, buyer demand, and what it all means if you're planning to buy or refinance this year. Real insights from people who live in the mortgage world every day. If you want to learn more o...

Today Michael is covering everything Debt to Income (DTI), what you need to know about what you need for your homebuying experience! Make sure to catch up on all episodes! Call our team with any questions or to apply for a loan! 615-499-6335

Age old question "Do I really need 20% to buy a house?". Spoiler: No! So many people are fooled by this myth, make sure you are not one! On today's episode Michael is busting this myth! Tune into myth buster Monday! Reach out to our team if you would like to start the process of buying a home or if you have any home buying questions! 615-499-6335

Not all lenders are created equal. In this episode, we break down the difference between wholesale and retail lenders - and what it means for you as a home buyer. We explain how mortgage brokers work, why big banks aren't always the best option, and how to find the lender that gives you the best rate, service, and experience. Understanding this could save you thousands. If you want to learn more o...

Mythbuster Monday is here! Today's myth: "You should always pick the lender with the lowest rate." Not so fast. In this episode, we explain why the lowest interest rate doesn't always mean the best deal. We break down closing costs, lender fees, points, and the real math behind comparing loan offers. The lowest rate might actually cost you thousands more - here's how to spot it. If you want to lea...

Welcome to Home Buying Made Easy - the podcast where we break down mortgages, real estate, and home buying without all the industry BS. From first-time buyers to veterans using VA loans to seasoned homeowners, we give you straight answers to your biggest questions. No jargon, no confusion, just the truth about home buying. New episodes every week - listen now! Reach out to our team with any questi...

Welcome to Mythbuster Monday! Today we're tackling a myth that stops too many veterans from using their benefits: "You have to have served in combat to get a VA loan." This is completely false - and it's costing veterans one of the best benefits they've earned through their military service. In this episode of Home Buying Made Easy, we break down the real VA loan eligibility requirements. Whether...