My AccountApply Now
Menu

Home / First-Time Buyer Course / Masterclass

Free masterclass

First-Time Homebuyer Masterclass replay.

Watch Jerry Kindig walk through the homebuying process step by step: qualifying, down payments, closing costs, loan programs, and what to expect from contract to closing. Watch it anytime, at your own pace.

Watch the replay Book a call

Shop Rates works in 48 states through our brokerage. Call or text (480) 526-4505 · Email us

Inside the replay14 chapters
  • Credit, capacity & capital
  • Down payments
  • Closing costs
  • Loan programs
  • Approval timeline
  • Do's and don'ts

Presented by Jerry Kindig, licensed mortgage broker, NMLS #2397823.

Video chapters

What the masterclass covers.

About an hour, in 14 chapters. Use the times below to find a topic in the player.

  1. Introduction & Masterclass Overview
  2. Meet Jerry Kindig & Why Work with a Mortgage Broker
  3. Assembling Your Homebuying Dream Team
  4. The 3 C's of Qualifying: Credit, Capacity & Assets
  5. Credit Score Tier Breakdown
  6. Capacity, DTI and Income
  7. Capital, Savings and Eligible Funds
  8. Down Payments: Busting the 20% Down Myth
  9. Understanding Closing Costs & Seller Concessions
  10. Comparing Loan Programs (Conventional, FHA, VA, USDA, Non-QM)
  11. The Mortgage Approval Journey & Timeline
  12. Home Inspection vs. Home Appraisal
  13. Critical Do's and Don'ts When Under Contract
  14. Next Steps & How to Get Started

The masterclass is general education, not a loan offer or commitment. All loans are subject to approval.

Book a call

Talk through your own plan.

After the replay, pick a time for a 30-minute introduction call with Jerry. We will talk about you and your goals for your next home loan.

Calendar not loading? Open the booking calendar or call or text (480) 526-4505.

Keep learning
Let's talk

Ready to see your own numbers?

The masterclass explains the basics. For your situation, talk with a licensed loan officer or compare options yourself.

Get My Real NumbersShop RatesCall or text (480) 526-4505
FAQ

Masterclass questions.

Is the masterclass free?

Yes. The First-Time Homebuyer Masterclass replay is free to watch on this page, anytime, at your own pace.

Who presents the masterclass?

Jerry Kindig, a licensed mortgage broker (NMLS #2397823) with Pick My Mortgage Rate, powered by Loan Factory (NMLS #320841).

Is the masterclass financial advice?

No. It is general education about buying a home and getting a mortgage. It is not a loan offer, a rate quote, or a commitment to lend. All loans are subject to approval, and your options depend on your situation.

How do I get numbers for my own situation?

Book a call on this page, call or text (480) 526-4505, or use the contact page, and a licensed loan officer will follow up.