HomeBuying Made Easy

Michael Dendy

Most mortgage guys grew up in finance. I grew up in a church pew. I was a pastor. Then in 2017, someone told me I couldn’t get hired as a loan officer and I wasn’t even licensed. Twenty days later, I had it. Zero background, Millions in closed loans later, I still can't fully explain it and… here we are. HomeBuying Made Easy exists for the person who feels dumb asking basic questions because they think everyone else already gets it. You don't have to know anything walking in. VA loans. Credit score myths. Down payment hacks. Closing cost tricks. Investment properties. Everything the big banks hope you never figure out. No fluff. No sponsors. Just a guy from Marietta, Georgia, now living outside Franklin, Tennessee, telling the truth about mortgages twice a week. New episodes every Monday and Friday. Let's get you home.

  1. 3d ago

    Episode 77 –– The HOA Myth: Can You Negotiate Your Fees? (Spoiler: No)

    Here’s a myth that costs homebuyers thousands: HOA fees are negotiable. They’re not. In this Mythbuster Monday episode, Michael Dendy and Rachel break down the truth about HOA fees and why you need to understand them before buying a home. The reality is simple: the HOA sets the fee, and every homeowner in that community pays the same amount, period. There’s no negotiating with your HOA. Whether you like it or not, you’re paying what they charge. The only thing you can negotiate is the actual price of the house itself, not the ongoing HOA dues. This matters because HOA fees vary dramatically. Michael is currently showing clients homes with HOA fees ranging from $90 a month to $330 a month — that’s a $200+ difference every single month. When you’re budgeting for a house, the HOA fee is a critical part of your total monthly housing payment. We also cover what your HOA fees actually pay for. In some neighborhoods, they cover exterior maintenance, landscaping, and pool facilities. In others, they barely cover grass mowing at the neighborhood entrance. Sometimes, they even include internet service. If you’re buying in an HOA community, you need to know exactly what those fees cover and factor them into your budget before making an offer. Don’t let this myth catch you off guard. Reach out to our team with any questions or to apply: 615-499-6335 | Michael@DendyTeam.com

  2. 6d ago

    Episode 76 ––The VA IRRL: Why Veterans Should Know About This.

    If you’re a veteran with a VA loan, you need to know about the VA IRRL (Interest Rate Reduction Refinance Loan, pronounced “Earl”). In this episode, Michael Dendy explains this special refinance option that’s specifically designed to help veterans reduce their interest rates quickly and easily when rates drop. Unlike traditional refinances that require full appraisals, income verification, and extensive underwriting, the VA IRRL streamlines the entire process. There’s no appraisal required because the lender uses the current estimated value from your previous appraisal. You don’t have to re-verify your income. You don’t go through the normal underwriting process. This means you can close in as little as eight or nine days, compared to the typical 30 to 45-day refinance timeline. One important stipulation: you must wait 210 days from your first payment before you’re eligible to refinance with a VA IRRL. Additionally, loan officers aren’t allowed to refinance you unless the new rate drops by at least half a percentage point. This protects veterans from being charged unnecessary fees without real savings. Since there are no out-of-pocket costs, all refinance fees are rolled into the loan itself. This makes the VA IRRL an incredibly attractive option when rates drop, allowing veterans to reduce their mortgage payments without any upfront costs or complicated paperwork. Reach out to our team with any questions or to apply: 615-499-6335 | Michael@DendyTeam.com

  3. Sep 28

    Episode 75 –– Home Warranty Myths Busted: When It's Worth It (And When It's Not)

    Here's a common myth: you always need a home warranty when you buy a house. The reality is much more nuanced. In this Mythbuster Monday episode, Michael Dendy breaks down when home warranties are actually worth the money and when they're a waste of cash. A home warranty covers the everyday breakdowns of your HVAC system, water heater, appliances, and plumbing. When a heating and air system needs replacement, you could face $10,000 to $20,000 or more. Unlike homeowners insurance, which covers fire and flood, a warranty covers mechanical failures. Home warranties are worth it if you're buying an older home with aging systems or if you're a first-time homebuyer without large emergency savings. One-year warranties provide a buffer to understand your new house. However, new builds have builder warranties, and 4 to 5-year-old homes usually don't need coverage. We emphasize reading the fine print before closing. Many companies have deductibles and specific coverage limitations. Warranties can typically be renewed annually, so you can reassess each year whether you need continued coverage. Reach out to our team with any questions or to apply: 615-499-6335 | Michael@DendyTeam.com

  4. Sep 19

    Episode 74 –– Inherited Property: The Secrets Nobody Tells You

    Inheriting a house sounds great until you realize you don't know what to do next. In this episode, Michael Dendy walks through everything that happens when you inherit property from probate and death certificates to refinancing, appraisals, and the credit process. Plus, learn the tax strategies that could save you thousands if you plan ahead with a CPA before inheritance happens. Reach out to our team with any questions or to get started: 615-499-6335 | Michael@DendyTeam.com

  5. Sep 14

    Episode 73 –– Mythbuster Monday: Appraisals ARE NOT Inspections

    One of the biggest myths in homebuying? That appraisals and home inspections are the same thing. They're not. In this Mythbuster Monday episode, Michael Dendy breaks down the critical differences between a home inspection (which looks at the condition of everything in your house) and an appraisal (which determines the property's value). Learn why you need both, which ones are required, and why skipping a home inspection could cost you thousands down the road. Reach out to our team with any questions or to get started: 615-499-6335 | Michael@DendyTeam.com

  6. Sep 12

    Episode 72 –– Equity Explained: The Piggy Bank You Live In

    Ever wondered what equity really is? In this episode, mortgage broker Michael Dendy breaks down one of the most important homebuying concepts with help from his 8-year-old daughter, Zuzu. Using the piggy bank metaphor, we explain how equity works, why it matters, and how paying your mortgage is literally putting money in a house you live in. Perfect for first-time homebuyers who want to understand what they're actually building. The Dendy Team 615-499-6335

  7. Sep 8

    Episode 71 –– Why Your Mortgage Payment Can Change Even on a 30-Year Fixed

    Happy Labor Day! As we move into the fall season here at Home Buying Made Easy we have another Mythbuster Monday and today's myth is one that catches a lot of homeowners off guard after they close. The myth: your mortgage payment stays exactly the same for the life of your loan. The truth: it can change and it has nothing to do with your interest rate. In this episode, Michael Dendy breaks down what parts of your mortgage payment are truly fixed and what parts aren't. We're talking property taxes, homeowners insurance, escrow, and what happens when your county passes a new bond or you file a major insurance claim. Plus the difference between a fixed rate and an adjustable rate mortgage and why that distinction matters more than most buyers realize. Your rate might be locked. Your payment might not be. Reach out to our team with any questions or to get started: 615-499-6335 | Michael@DendyTeam.com

  8. Sep 4

    Episode 70 –– How to Actually Read Your Credit Report

    Most people have never actually read their credit report. And that's a problem. In this episode, Michael Dendy breaks down exactly what's on your credit report, what it means, and what you should be looking for as a consumer. From payment history and balances to collections, judgments and creditor contact info, we walk through all of it in plain English. We also cover how often you should be checking your credit, the free government resource that gives you access to your report every year, and why spreading out your pulls across all three bureaus throughout the year is a smart move. Plus, how to freeze or lock your credit so nobody can pull it without your permission. You should know what's in your credit report before your lender does. Reach out to our team with any questions or to get started: 615-499-6335 | Michael@DendyTeam.com

See All (77)

Trailer

About

Most mortgage guys grew up in finance. I grew up in a church pew. I was a pastor. Then in 2017, someone told me I couldn’t get hired as a loan officer and I wasn’t even licensed. Twenty days later, I had it. Zero background, Millions in closed loans later, I still can't fully explain it and… here we are. HomeBuying Made Easy exists for the person who feels dumb asking basic questions because they think everyone else already gets it. You don't have to know anything walking in. VA loans. Credit score myths. Down payment hacks. Closing cost tricks. Investment properties. Everything the big banks hope you never figure out. No fluff. No sponsors. Just a guy from Marietta, Georgia, now living outside Franklin, Tennessee, telling the truth about mortgages twice a week. New episodes every Monday and Friday. Let's get you home.

Information

  • Creator
    Michael Dendy
  • Years Active
    2026
  • Episodes
    77
  • Rating
    Clean
  • Copyright
    © 2026 Michael Dendy
  • Show Website
    HomeBuying Made Easy