The Branneky Team Podcast

The Branneky Team

The Branneky Team Podcast, Powered by MORE RealtorsBuying or selling a home is likely the largest financial decision you will ever make, but it doesn't have to be the scariest. Welcome to The Branneky Team Podcast, your go-to resource for demystifying the real estate process and navigating today’s dynamic market with confidence. Join your hosts Tim Branneky, Jayme Bertish, and Dillon Seabaugh as they pull back the curtain on the real estate industry. There aren't many platforms that teach everyday people how to avoid getting blindsided during a transaction, so we decided to build one. From real-life experiences and behind-the-scenes stories to expert advice, we're here to make sure you're informed, prepared, and excited about your real estate journey. Whether you're a first-time homebuyer, a seasoned investor, or just curious about what's happening in the market, hit subscribe and join the conversation. Have a question or want to be a guest on the show? Drop a comment or reach out to us directly! Connect With UsTim Branneky II Phone: 314-496-9577Email: Tim.Branneky@STLRE.comFacebook: Tim Branneky IIInstagram: @Tbranneky_84Jayme Bertish Phone: 314-359-8380Email: jayme.bertish@stlre.comFacebook: Jayme BertishInstagram: @Jayme.bertishTikTok: @JB Homes & MediaDillon Seabaugh Phone: 636-487-3042Email: Dillon.Seabaugh@stlre.comFacebook: Dillon Seabaugh

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  1. Episode 1

    Ep 5: Inside Info: How a Mortgage Actually Works

    Most homebuyers fear PMI and hidden costs — but what if those fears are based on misconceptions? In this episode of the Branneky Team podcast, mortgage expert Jake Versman from New American Funding breaks down why PMI can be a smart, manageable step toward homeownership, not a roadblock. Jake reveals why most lenders encourage getting into a home before saving a full 20% down payment, how PMI can be lowered, and the appraisal strategies buyers can use to remove it sooner. He also walks through low-down payment programs like FHA and MHDC, and the overlooked costs (closing costs, inspections, insurance, and escrow) that catch first-time buyers off guard. Whether you're buying your first home or planning your next move, this episode turns uncertainty into a clear action plan. Learn why connecting with a lender and realtor early is your smartest first step, and how the right strategy can accelerate your path to long-term wealth through real estate. 00:00 Understanding PMI and Down Payments 06:00 Exploring Loan Types and Down Payment Assistance 12:08 Navigating Closing Costs and Payment Timing 18:09 Loan Denials and Financial Preparedness Have a question or want to be a guest? Drop a comment below! Connect With Us: Tim Branneky II | 314-496-9577 | Tim.Branneky@STLRE.com | FB: Tim Branneky II | IG: @Tbranneky_84 Jayme Bertish | 314-359-8380 | jayme.bertish@stlre.com | FB: Jayme Bertish | IG: @Jayme.bertish | TikTok: @JB Homes & Media Dillon Seabaugh | 636-487-3042 | Dillon.Seabaugh@stlre.com | FB: Dillon Seabaugh

    20 min
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About

The Branneky Team Podcast, Powered by MORE RealtorsBuying or selling a home is likely the largest financial decision you will ever make, but it doesn't have to be the scariest. Welcome to The Branneky Team Podcast, your go-to resource for demystifying the real estate process and navigating today’s dynamic market with confidence. Join your hosts Tim Branneky, Jayme Bertish, and Dillon Seabaugh as they pull back the curtain on the real estate industry. There aren't many platforms that teach everyday people how to avoid getting blindsided during a transaction, so we decided to build one. From real-life experiences and behind-the-scenes stories to expert advice, we're here to make sure you're informed, prepared, and excited about your real estate journey. Whether you're a first-time homebuyer, a seasoned investor, or just curious about what's happening in the market, hit subscribe and join the conversation. Have a question or want to be a guest on the show? Drop a comment or reach out to us directly! Connect With UsTim Branneky II Phone: 314-496-9577Email: Tim.Branneky@STLRE.comFacebook: Tim Branneky IIInstagram: @Tbranneky_84Jayme Bertish Phone: 314-359-8380Email: jayme.bertish@stlre.comFacebook: Jayme BertishInstagram: @Jayme.bertishTikTok: @JB Homes & MediaDillon Seabaugh Phone: 636-487-3042Email: Dillon.Seabaugh@stlre.comFacebook: Dillon Seabaugh

Information

  • Creator
    The Branneky Team
  • Episodes
    6
  • Seasons
    2
  • Rating
    Clean
  • Copyright
    © 2026 The Branneky Team
  • Show Website
    The Branneky Team Podcast