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 conventional PMI falls off while most FHA mortgage insurance stays
• The simple read: when strong credit favors conventional, and when FHA is the smarter way in
• Why you compare total cost, rate plus mortgage insurance plus how long you keep the loan, not just the headline rate
• The wholesale advantage: one application, 110+ lenders competing for your loan

Get started at tyclosesloans.com.

Ty Keller, Mortgage Loan Originator | Ty Closes Loans, powered by Edge Home Finance, LLC | NMLS #566248 | Edge Home Finance, LLC NMLS #891464 | www.nmlsconsumeraccess.org | Equal Housing Opportunity

Ty Keller is licensed in GA, FL, CO, NC, SC. Edge Home Finance, LLC is a mortgage broker, not a direct lender or creditor. Edge Home Finance, LLC is licensed in 49 states and the District of Columbia and does not arrange, solicit, or originate mortgage loans for real property located in the State of New York.

Edge Home Finance, LLC is a private mortgage broker and is not affiliated with, endorsed by, or acting on behalf of or at the direction of the U.S. Department of Veterans Affairs (VA), the Federal Housing Administration (FHA), the Department of Housing and Urban Development (HUD), or any other government agency.

Educational only; not a commitment to lend. Not all applicants will qualify; loan programs and mortgage insurance terms are subject to underwriting and eligibility.

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 advertising and overhead baked into your rate
• How a wholesale broker puts 110+ lenders in competition for one loan, with one application and one credit pull
• The roughly $10,000 average savings versus retail, and why a dollar figure beats chasing a rate gap
• What you get beyond price: an experienced broker who underwrites the file up front, answers the phone, and runs a Plan A/B/C
• Why the self-employed and entrepreneurs can qualify on real income, and why those loans aren't a penalty

Get started at tyclosesloans.com.

Ty Keller, Mortgage Loan Originator | Ty Closes Loans, powered by Edge Home Finance, LLC | NMLS #566248 | Edge Home Finance, LLC NMLS #891464 | www.nmlsconsumeraccess.org | Equal Housing Opportunity

Ty Keller is licensed in GA, FL, CO, NC, SC. Edge Home Finance, LLC is a mortgage broker, not a direct lender or creditor. Edge Home Finance, LLC is licensed in 49 states and the District of Columbia and does not arrange, solicit, or originate mortgage loans for real property located in the State of New York.

Educational only; not a commitment to lend. Savings figures reflect a third-party study of average results and are not a guarantee; not all applicants will qualify.

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 returns, no W-2s, no pay stubs, and no debt-to-income ratio at all
• How it's different from a bank-statement loan
• Who it fits (self-employed, business owners, gig/seasonal, creators, first-time buyers) and who it doesn't
• The honest trade-offs, and how a wholesale broker finds the right version

Get started at tyclosesloans.com.

Ty Keller, Mortgage Loan Originator | Ty Closes Loans, powered by Edge Home Finance, LLC | NMLS #566248 | Edge Home Finance, LLC NMLS #891464 | www.nmlsconsumeraccess.org | Equal Housing Opportunity

Ty Keller is licensed in GA, FL, CO, NC, SC. Edge Home Finance, LLC is a mortgage broker, not a direct lender or creditor. Edge Home Finance, LLC is licensed in 49 states and the District of Columbia and does not arrange, solicit, or originate mortgage loans for real property located in the State of New York.

Educational only; not a commitment to lend. Program terms vary by lender and credit profile; not all applicants will qualify.

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 usually the wrong loan, not you)
• Financing that can cover the full purchase price for qualified physicians, with no monthly mortgage insurance
• How residents and fellows can leave student-loan payments out of the debt-to-income math
• Closing up to 150 days before your start date
• Who qualifies (MD/DO, dentists, pharmacists, veterinarians, podiatrists, CRNAs with a doctorate, plus residents and fellows) — and who it's not for
• How your credit profile affects eligibility and the maximum loan amount
• Why rates compete with conventional, especially on the wholesale side

For doctors and residents buying around the Northside and Emory hospital corridors — Cumming, Forsyth County, Alpharetta, and Johns Creek.

Get started at tyclosesloans.com — five minutes and you'll know exactly where you stand.

Ty Keller, Mortgage Loan Originator | Ty Closes Loans, powered by Edge Home Finance, LLC | NMLS #566248 | Edge Home Finance, LLC NMLS #891464 | www.nmlsconsumeraccess.org | Equal Housing Opportunity

www.tyclosesloans.com | 404-561-6695

Ty Keller is licensed in GA, FL, CO, NC, SC. Edge Home Finance, LLC is a mortgage broker, not a direct lender or creditor. Edge Home Finance, LLC is licensed in 49 states and the District of Columbia and does not arrange, solicit, or originate mortgage loans for real property located in the State of New York.

Educational only; not a commitment to lend. Program eligibility and maximum loan amounts depend on credit profile and other factors; not all applicants will qualify. Student-loan exclusion from DTI applies only to eligible residents and fellows qualifying on training income.

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