The Lofty Lender with #tallmoneyman

Welcome back to The Lofty Lender’s Homebuyer Education, where we break down the real estate and mortgage process into simple, practical steps you can actually use.

In this episode, Kyle Guldenpfennig (#TallMoneyMan) sits down with Charlie Chedester to answer one of the most common questions homebuyers ask:

👉 “How long does it actually take to close on a home?”

You’ve probably heard everything from 2 weeks to 60 days—but the truth is, it depends. And in this conversation, we walk you through exactly what’s happening behind the scenes so you can understand the timeline and avoid unnecessary stress.

• The typical closing timeline (and what’s actually realistic in today’s market)
• Why closing isn’t instant—even on cash deals
• The 6 key steps from accepted offer to getting your keys
• The difference between a home inspection vs. appraisal
• What “Clear to Close” (CTC) really means
• Real examples of the fastest and longest closings we’ve seen
• The biggest mistakes that can delay your closing

✔ Most home purchases close in 30–45 days
✔ Preparation and communication make or break your timeline
✔ The right lender + realtor team can save you weeks of stress

Whether you’re a first-time homebuyer, moving up, or just trying to understand the process better, this episode will give you clarity and confidence heading into your next purchase.

What You’ll Learn:Key Takeaways:

Can You Buy a Home as a Single Person? Here’s the Truth.

A lot of people believe you should wait until you’re married or have dual income before buying a home—but is that actually true?

In this episode of The Lofty Lender, host Kyle Guldenpfennig (#TallMoneyMan) sits down with Charlie Chedester to break down one of the biggest misconceptions in real estate: buying a home as a single person.

They dive into:

• Whether it’s riskier to buy solo vs. with a partner
• How to think about budgeting and reserves on one income
• Why your first home shouldn’t be your “forever home”
• Creative strategies (like house hacking with a roommate)
• Loan options and why flexibility matters more than chasing the “perfect” deal
• Real-life examples of how buying early can build long-term wealth

If you’re single and wondering whether now is the right time to buy—or you’ve been told to “wait”—this episode will give you the clarity and confidence you need to make a smart decision.

Buying a home isn’t about relationship status—it’s about having a plan.

🎧 Be sure to follow The Lofty Lender with #TallMoneyMan on your favorite podcast platform for more homebuyer education, real-life scenarios, and practical mortgage advice.

📲 Have questions about your situation? Reach out directly—Kyle is always here to help.

In this episode of The Lofty Lender, Kyle Guldenpfennig (#TallMoneyMan) sits down with Blake Shaffer of RE/MAX Concepts to talk about what truly sets great Realtors apart — and it’s not just production numbers.

Blake shares how growing up in a foster-care household shaped his people-first mindset, why trust and communication are everything in a transaction, and how educating buyers before they ever step into a home can completely change their experience.

We cover:

• The biggest mistake homebuyers make before talking to a lender

• How to choose the right real estate team

• Why agent–lender communication makes or breaks a deal

• Blake’s goal of serving 65 families this year

• Balancing fatherhood, business, and long-term relationships

If you’re buying or selling in Des Moines, Ankeny, Waukee, or anywhere in Central Iowa, this conversation will give you clarity before you make your next move.

00:00 Introduction to Real Estate and Relationship Building
02:46 The Journey into Real Estate
05:30 Foster Care's Influence on Professional Mindset
08:28 Balancing Family Life and Real Estate Career
11:08 Setting Professional Goals and Milestones
13:53 Quick Picks: Personal Preferences and Insights
18:15 The Importance of Communication in Real Estate
26:21 Closing Thoughts and Contact Information

Search The Lofty Lender with #TallMoneyMan wherever fine podcasts are downloaded, and be sure to subscribe for expert insights, market clarity, and real-world homebuying advice.

Chapters

Tax season isn’t just about refunds — it can directly impact your ability to buy a home.

In this episode of The Lofty Lender Homebuyer Education, Kyle Guldenpfennig (#TallMoneyMan) and Charlie Chedester break down how filing your taxes affects mortgage approval — especially for first-time homebuyers.

If you’re self-employed, 1099, commission-based, driving for DoorDash or Uber, own rental properties, or even just have side hustle income, this episode is critical listening before you file your return.

We cover:

• Why your tax return can either help or delay your home purchase
• How lenders calculate income (gross vs. net explained clearly)
• The danger of writing off “too much” income
• Using your tax refund toward a down payment
• Why side gigs and gig economy income require planning
• When alternative loan programs might make sense

We are not CPAs — but we explain exactly how underwriting works so you can plan smarter with your tax preparer.

If buying a home is even remotely on your radar in the next 12–24 months, this conversation could save you time, money, and frustration.

Search for The Lofty Lender with #TallMoneyMan wherever fine podcasts are downloaded, and be sure to subscribe so you never miss an episode.

Stay curious — and we’ll see you next week.

In this episode of The Lofty Lender Podcast, Kyle Guldenpfennig (#TallMoneyMan) sits down with premier Des Moines Realtor Brad Johnson for a powerful conversation about resilience, discipline, and winning in today’s real estate market.

With over 20 years of experience selling homes throughout Central Iowa — and six years as a home builder — Brad brings a rare behind-the-scenes perspective on construction quality, negotiation strategy, luxury real estate, and helping first-time home buyers succeed.

But this episode goes far beyond real estate.

Brad opens up about overcoming addiction, rebuilding his life, and how endurance training — including marathons and completing an Ironman — transformed his mindset and business. He shares how elite focus, systems, and preparation help him manage the 40+ moving parts involved in every real estate transaction.

Kyle and Brad also dive into:

• The current Des Moines real estate market

• Rising investor activity and cash buyers

• DSCR loans and investment property trends

• Preventing buyer’s remorse

• Why listings drive long-term success

• The importance of discipline in business and life

Whether you're a home buyer, seller, investor, or entrepreneur looking for an edge, this episode delivers real insight and real motivation.

🔎 Search for The Lofty Lender with #TallMoneyMan wherever fine podcasts are downloaded.
📍 Serving Des Moines & Central Iowa
🏡 Real estate. Mortgages. Mindset.

#DesMoinesRealEstate #LoftyLender #TallMoneyMan #RealEstatePodcast #IowaRealEstate

Does applying for a mortgage hurt your credit score?
Are mortgage applications public record?
Will shopping multiple lenders damage your credit?

In this episode of The Lofty Lender, Kyle Guldenpfennig (#TallMoneyMan) and Charlie Chedester break down the biggest myths we’re seeing in today’s housing market around mortgage credit pulls, privacy concerns, and online lender tactics.

With more buyers getting information from TikTok, Google, and online ads, there’s a lot of confusion about what actually happens when you apply for a home loan. We cover:

✔️ Soft credit pull vs. hard credit inquiry
✔️ Does shopping mortgage lenders hurt your credit score?
✔️ Are mortgage applications public record?
✔️ Why you’re receiving aggressive refinance mailers
✔️ How to compare mortgage offers correctly
✔️ When a second opinion can save you thousands
✔️ How to improve your credit score before buying a home

If you’re a first-time home buyer, move-up buyer, investor, or considering a refinance, this episode will help you feel confident and informed before taking the next step.

Mortgage lending isn’t just about numbers — it’s about clarity, strategy, and relationships.

🎙️ Search for The Lofty Lender with #TallMoneyMan wherever fine podcasts are downloaded and subscribe for weekly home buyer education.

#MortgageTips #HomeBuying #CreditScore #MortgagePreApproval #Refinance #FirstTimeHomeBuyer #TallMoneyMan #TheLoftyLender

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In this episode of The Lofty Lender Podcast, Kyle Guldenpfennig (#TallMoneyMan) sits down with Central Iowa realtor Janee Moore to talk about career pivots, real estate success, and what buyers need to understand in today’s housing market.

Janee shares her unique journey from registered dietitian and certified diabetes education specialist to Rookie of the Year in her first full year in real estate. With nearly 30 years in Altoona and a background in healthcare and medical sales, she brings a calm, educational approach to helping buyers and sellers navigate one of the biggest financial decisions of their lives.

Kyle and Janee dive into:

• The emotional side of buying and selling a home
• What real estate agents actually do behind the scenes
• Why waiting for interest rates to drop may not be the best strategy
• Winter vs. spring market advantages
• The truth about flexibility and self-employment in real estate
• How local market conditions in Central Iowa are shaping buyer decisions

If you’re wondering whether to buy now or wait, how to negotiate in today’s market, or what it really takes to succeed in real estate, this conversation offers practical insight and real-world perspective.

Whether you’re a first-time homebuyer, move-up buyer, downsizer, or simply curious about the Des Moines metro housing market, this episode is packed with valuable takeaways.

Search for The Lofty Lender with #TallMoneyMan wherever fine podcasts are downloaded, and be sure to subscribe so you never miss an episode.

Stay curious.

Buying a home shouldn’t feel like driving through a strange city without GPS — but for many, it does. In this episode of The Lofty Lender, Kyle Guldenpfennig (aka #TallMoneyMan) sits down with real estate pro Charlie Chedester to break down the step-by-step roadmap to homeownership. 🏡🗺️

Whether you're a first-time homebuyer, upgrading to your next home, or thinking about investing in real estate, this episode is packed with real-world advice, lender insights, and laughs along the way.

We cover:
✅ Why your monthly payment matters more than your purchase price
✅ The power of getting pre-approved early
✅ Tools to make budgeting and shopping easier
✅ How your lender and realtor work as a team (or "teamship" 👀)
✅ What documents really matter and why communication is key
✅ What to expect from offer to closing day

Kyle even shares what it’s like flipping the script — going from lender to buyer himself — and the surprising challenges that come with it.

🔑 Listen now and learn how to start smart and close with confidence.
📲 Search for The Lofty Lender with #TallMoneyMan wherever you download your podcasts — Spotify, Apple Podcasts, YouTube, Amazon Music & more!

🎯 Follow Kyle (@TallMoneyMan) and Charlie for more homebuying tips, stories, and expert guidance.

Hosted by Kyle Guldenpfennig aka #TallMoneyMan
🎧 Subscribe now and never miss an episode!

In this episode of The Lofty Lender, Kyle sits down with mortgage expert Charlie Chedester to break down one of the most misunderstood parts of buying a home: PMI (Private Mortgage Insurance).

They tackle the myths, the math, and the modern-day reality of PMI, revealing why it’s not the deal-breaker many buyers think it is—and how it can actually open doors to homeownership faster than waiting to save 20% down.

Whether you’re a first-time homebuyer, a real estate investor, or just mortgage-curious, this episode is packed with practical tips and real-world strategies to help you make smarter moves.

📌 Chapters:
00:00 – Understanding PMI: The Basics
02:39 – The Evolution of PMI and Its Impact on Homeownership
05:30 – Types of Mortgage Insurance Explained
08:36 – Navigating PMI Options and Strategies
11:17 – Actionable Takeaways for Homebuyers

💬 Got questions about your loan options or PMI? Visit TeamChedester.com to get in touch with Kyle and the team!

📱 Follow Kyle @TallMoneyMan on all social platforms for more expert tips, real-life homebuying stories, and financial insights.

🔍 Search "The Lofty Lender with #TallMoneyMan" wherever fine podcasts are downloaded.

In this episode of The Lofty Lender Podcast, Kyle Guldenpfennig aka #TallMoneyMan sits down with mortgage expert and longtime collaborator Charlie Chedester to break down one of the most important decisions homebuyers face: Fixed Rate Mortgage vs. Adjustable Rate Mortgage (ARM).

💡 Whether you're a first-time homebuyer, a real estate investor, or just brushing up on your mortgage knowledge, this episode will help you:

• Understand the key differences between fixed and adjustable rate loans

• Discover when an ARM might make sense—and when it might burn you

• Hear real-life stories of borrowers who benefited (or struggled) with each loan type

• Learn why even industry pros like Kyle and Charlie lean toward fixed-rate loans for personal purchases

• Get clear, actionable advice on how to align your mortgage with your life plans

From Gorilla Tape analogies to real talk about refinancing, credit score pitfalls, and risk tolerance, this episode keeps it fun while helping you make smart, informed decisions.

🧠 Key takeaway: Your mortgage isn’t just about today’s interest rate—it’s about your timeline, goals, and flexibility down the road.

🎧 Listen now and subscribe to The Lofty Lender wherever fine podcasts are downloaded.
📲 Follow @TallMoneyMan for more mortgage tips, real estate insights, and financial wisdom.