Michael Dendy

You've probably seen it in the ads: "Ask about our 2-1 buydown!" And maybe you nodded and thought you'd look it up later and then forgot. Or maybe a builder offered one and you said yes without totally understanding what you agreed to. No judgment. This episode is for you either way.Michael breaks down mortgage buydowns from scratch — what they are, how a 2-1 buydown works, who pays for them, when Continue Reading about Mortgage Buydowns Explained Smart Move or Sales Trick? | EP 15 (Originally Published 1-23-26)

I've heard this one more times than I can count: "I'm not sure I qualify because I never saw combat." That's a myth, and it's one that's costing veterans real money. You do not have to have been deployed to a combat zone to use your VA loan benefit. Understood.Michael and Joshua break down the actual VA loan eligibility requirements, what types of service qualify, how long you had to serve, what Continue Reading about VA Loans: The Truth About Who Actually Qualifies | EP 14 (Originally Published 1-19-26)

Closing day feels like the finish line. You sign a stack of papers, somebody hands you a key, everybody smiles — and then you drive to your new house and stand in the living room wondering what you're supposed to do now. Turns out there's actually a list.Michael walks through what happens after closing day...the immediate stuff you need to handle right away and the longer-term responsibilities Continue Reading about You Just Closed on a Home: Here’s What You Do Next | EP 13 (Originally Published 1-12-26)

One of the most persistent lies floating around about VA loans is that once you use it, it's gone. Used your VA loan on your first house? You're done. That's not how it works, and this episode exists to set the record straight.Michael breaks down VA loan entitlement ... what it is, how it resets when you sell, how you can have two VA loans at the same time under certain conditions, and the Continue Reading about You Can Use Your VA Loan More Than Once — Here’s How It Works | EP 12 (Originally Published 1-12-26)

This one seems obvious until it isn't. Someone's in the middle of buying a home, they get a mailer for a 0% interest card, they think "well I'm not closing for six more weeks" and then their credit score drops, their debt-to-income ratio shifts, and suddenly the loan looks different than it did at pre-approval. It happens. More than you'd think.Michael explains exactly why lenders are watching Continue Reading about Why Can’t I Open New Credit When Buying A Home? | EP 11 (Originally Published 1-9-26)

Somebody at work told you renting is throwing money away. Somebody else told you it's not a good time to buy. Your parents think you're crazy for not owning. Your friend just closed on a house and hasn't stopped talking about it. Everybody's got an opinion, and somehow none of it is helping you make an actual decision.This episode cuts through all of that. Michael breaks down the buy-versus-rent Continue Reading about Should I Buy Or Rent This Year? | EP 10 (Originally Published 1-5-26)

Your home has been building equity while you've been living in it, and at some point you start wondering if there's a way to use it without selling the place. There is. It's called a HELOC, a Home Equity Line of Credit, and it might be the most misunderstood financial tool for homeowners right now.Michael breaks it down from the ground up: what a HELOC is, how it works, how it's different from a Continue Reading about New Year & New Tools | EP 9 (Originally Published 1-2-26)

You found the house. You made the offer. They said yes. You're sitting there feeling like you won something. You're excited and then you go buy a car because you're celebrating and you didn't know that was going to torpedo your loan approval.This happens more than it should. Going under contract is not the finish line. It's the starting line for a whole new set of things that can go wrong if Continue Reading about Under Contract? What Not To Do | EP 8 (Originally Published 12-29-25)