Keys & Credit
The no-fluff real estate and mortgage podcast that helps you make smarter moves with confidence.
Hosted by Realtor Bill Jerikovsky and Mortgage Lender Barb Miller, this show cuts through the jargon and industry hype to bring you honest, practical insights on buying, selling, and financing homes. Whether you're a first-time buyer, seasoned investor, or just trying to decode your credit score—Bill and Barb keep it real with bite-sized episodes.
💡 Real answers. 🙅♂️ No sales pitches. 🏡 Just straight talk on homes, loans, and everything in between.
New episodes drop weekly.
Subscribe and get the facts you actually need to own your next move
Barb Miller NMLS ID: 329237
Guaranteed Rate, Inc. dba Rate, NMLS #2611
Bill Jerikovsky RE/MAX RESULTS
This Podcast is edited and produced by Kody Hughes - Focal Point Media
FocalPointKody@gmail.com - 320-224-9828
Episodes
16 episodes
How Down Payment Assistance Actually Works (And Who Qualifies)
Think you need a massive down payment to buy a home? Let’s dismantle that myth with a clear look at how down payment assistance really works—and how it can help you keep more cash in your pocket while still landing the keys. We open up the play...
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12:27
From Lake Cabins to Cash Flow: The Real Math Behind Second Homes and Rentals
Your lake cabin dream and your rental income plan aren’t the same thing—and lenders know it. We pull back the curtain on how financing actually works for second homes and investment properties, from real down payment requirements to the reserve...
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29:54
Credit Scores Demystified
Ever wondered why your Credit Karma score doesn't match what lenders see? Or why closing that paid-off credit card actually hurt your score? We're pulling back the curtain on the mysterious world of credit scores and their enormous impact on yo...
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23:23
Mortgage Reset: When Refinancing Actually Makes Sense
Navigating the refinance maze doesn't have to be overwhelming. In this straightforward conversation, we cut through the confusion surrounding mortgage refinancing to reveal exactly when it makes financial sense – and when it's better to stay pu...
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22:08
DIY Disaster: When Homeowners Play Realtor
Ever wondered why real estate professionals cringe when they hear "For Sale By Owner"? Barb and Bill pull back the curtain on the FSBO world, exposing why these transactions frequently end in disaster.The allure seems simple - save on c...
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45:09
Understanding PMI: What Every Homebuyer Needs to Know
Tired of paying that mysterious monthly fee labeled "mortgage insurance"? You're not alone! In this eye-opening episode, we tackle one of the most misunderstood aspects of home financing: mortgage insurance.Mortgage insurance exists pri...
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18:54
Avoid Probate: The Power of Transfer on Death Deeds
Your carefully crafted will might have a massive blindspot that could cost your heirs thousands of dollars and months of unnecessary stress. In this eye-opening episode, we tackle the critical difference between living wills and Transfer on Dea...
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21:38
The Hidden Value of Open Houses: Seller Benefits and Buyer Opportunities
Real estate open houses have earned a questionable reputation in recent years, with many wondering if they're just an outdated tradition or actually worth the effort. Bill and Barb tackle this question head-on, revealing how open houses serve a...
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29:01
Unlocking Mortgages for the Self-Employed
Struggling to get a mortgage while self-employed? You're not alone. The traditional mortgage process often leaves freelancers, contractors, and business owners feeling like homeownership is out of reach. But there's good news – alternative docu...
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8:49
Real Estate Rescue: Last-Minute Saves and Agent Horror Stories
Ever wonder what separates elite real estate professionals from those who just collect commissions? The difference becomes crystal clear when deals hit turbulence—and in this revealing episode, Barb and Bill pull back the curtain on recent tran...
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26:18
Spotting Lipstick on a Dumpster Fire: Your Guide to Flipped Homes
Ever walked into a freshly painted house with new carpet and granite countertops only to discover later that the foundation is crumbling and the plumbing dates back to the 1800s? That's what Barb and Bill call "lipstick on a dumpster fire" – a ...
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28:04
The Insider's Guide to Canceling Your Real Estate Contracts
Ever felt trapped in a relationship with a real estate agent or lender who isn't meeting your expectations? You're not alone—and contrary to what many professionals want you to believe, you're not stuck either.Breaking free from unsatis...
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14:50
The Buyer-Agent-Lender Tinder Match
Finding the perfect real estate team can feel like navigating a dating app – swipe right on the wrong agent or lender, and your home buying journey could quickly turn into a nightmare. But unlike many dating scenarios, you're never actually loc...
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22:11
Cracking the Mortgage Code: What No One Tells First-Time Homebuyers
Dreaming of homeownership but feeling overwhelmed by the mortgage maze? You're not alone. This eye-opening conversation between straight-talking lender Barb and no-nonsense realtor Bill tackles the most common misconceptions first-time buyers f...
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22:43
Buy the House, Date the Rate: Smart Strategies When Everyone Has an Opinion
Ever had a well-meaning relative nearly derail your home purchase with "expert" advice? That's exactly what Barb "your straight talk lender" and Bill "the no bs realtor" tackle in this candid conversation about the phenomenon they've dubbed "Dr...
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14:12