🎙️ Episode 15: FHA Construction Loans – Buy it and Fix it!

Welcome back to Keep’n It Real-T! In this episode, your hosts Martha Smith and Natalia Pierantoni are joined once again by mortgage expert Heidi Lambordi from Pioneer Mortgage.

Last time, Heidi gave us the inside scoop on the Hometown Heroes program—this time, she’s back to break down the FHA Construction Loan, a powerful tool that lets buyers purchase a home AND finance renovations all under one FHA loan. 💰🔨

We cover:

• What the FHA Construction Loan is and how it works

• Who qualifies (and who doesn’t)

• What the application process looks like

• Common pitfalls to avoid

• What kinds of homes or repairs don’t qualify

• Plus a fun rapid-fire round of Take It or Leave It!

If you're a buyer looking at fixer-uppers or an agent wanting to guide your clients better, this episode is a must!

📩 Questions or want to work with us? Email us at keepnitrealt@gmail.com 📤 Know someone this could help? Share the episode!

🎧 Listen now, laugh with us, and learn something new—only on Keep’n It Real-T! 💙

#FHAConstructionLoan #MortgageTips #KeepnItRealT #FirstTimeBuyer #RealEstatePodcast #TampaRealEstate #HeidiLambordi #RenovationLoan #FixerUpperFinancing #RealEstateEducation

🎙️ Episode 14 – The Real Deal with Open Houses | Keep’n It Real-T

Ever wondered what really goes down behind the scenes at an open house? 🏡✨

In this episode, Martha Smith and Natalia Pierantoni are spilling all the Real-T on what it takes to host a successful open house—from prep to promotion to the wild things that can happen when the doors open!

Whether you're a seller wondering if you should host one, a new agent trying to learn the ropes, or just curious about what we really do out here—this episode is for YOU.

We dive into:

• What an open house is really for and who shows up

• Step-by-step prep tips for sellers and agents

• Our best (and worst) open house stories 😬

• The truth about safety (yup—we talk about foot guy)

• When open houses work, when they don’t, and how to decide

PLUS: Don’t miss our Rapid-Fire Open House Edition 🎯 From bad snacks to sign overload to open house etiquette—we keep it real, funny, and informative!

📩 Got questions or want to work with us? Email: keepnitrealt@gmail.com 📲 Follow us on IG: @keepnitreal_t 🛎️ Don’t forget to like, comment, subscribe, and share if you enjoyed this episode.

💙 See you next time on Keep’n It Real-T!

🎙️ Episode 11: Down Payment Assistance – with Nancy Booi from GTE Financial

If you’ve ever wondered how buyers come up with the money for a down payment—or if you're a hopeful homebuyer thinking “I don’t have enough saved”—this episode is for YOU!

We’re sitting down with Nancy Booi, Mortgage Loan Executive at GTE Financial, to break down the truth about down payment assistance, grants, and other special loan programs that can make homeownership more accessible than you think.

✨ GTE Financial isn’t just any credit union—it’s the official credit union of the Tampa Bay Lightning 🏒⚡ and they’re doing BIG things for buyers in the Tampa Bay area.

Hosted by realtors Martha Smith and Natalia Pierantoni, this episode will give you the inside scoop on:

🏡 What You’ll Learn:

• What sets credit unions apart from traditional banks

• Who qualifies for GTE’s exclusive mortgage programs

• How down payment assistance programs really work

• What grants are, how to qualify, and if they’re forgivable

• Tips for getting pre-approved and improving your chances

• Special programs for medical professionals and more

• The full mortgage process—from application to approval

🗣 Plus, we wrap things up with a fun Rapid Fire Round to get to know Nancy beyond the numbers!

🎙️ Guest: Nancy Booi 📣 Hosts: Martha Smith & Natalia Pierantoni 📅 Air Date: June 3, 2025

👇 Like, Comment, and Subscribe for more real estate insights and episodes that keep it real! 📩 Want to connect or learn more? Email us: keepnitrealt@gmail.com 📲 Follow us on Instagram: @keepnitreal_t

#KeepnItRealT #DownPaymentAssistance #GTEFinancial #NancyBooi #FirstTimeHomebuyer #MortgageTips #RealEstatePodcast #CreditUnionLoans #HomeOwnership #WomenInRealEstate #TampaRealtor #RealTalkRealEstate

🎧 Episode 10: New Construction – Everything You Need to Know 🏡

Thinking about buying a new construction home? Don’t do it without hearing the REAL-T first!

In this episode of Keep’n It Real-T, we’re diving into all things new construction—the good, the bad, and the blueprints you wish someone told you about. From builder warranties to hidden costs, production vs. custom builders, and how to protect yourself throughout the process—we’re breaking it ALL down.

Whether you're a first-time buyer, a seasoned homeowner, or just curious about what it’s like to build from scratch, this episode gives you a real-world look at what to expect.

🔎 Here’s What We Cover: ✔️ The pros of buying new: customization, energy efficiency & more ✔️ The downsides: delays, upgrades, small lots, and cookie-cutter concerns ✔️ Production builders vs. custom builders—what’s the difference? ✔️ How your own Realtor can save you time, stress, and money ✔️ The full process—from lot selection to inspections and closing ✔️ Rapid Fire Q&A: biggest hidden costs, best & worst upgrades, and more

🎙️ Hosted by: Martha Smith & Natalia Pierantoni 📅 Episode Air Date: May 27, 2025

👇 Like, comment, and subscribe for more real talk on real estate! 📩 Questions or want to work with us? Email: keepnitrealt@gmail.com 📲 Follow us on Instagram: @keepnitreal_t

#KeepnItRealT #NewConstruction #RealEstatePodcast #HomeBuyingTips #NewBuilds #TampaRealtor #BuyingNewConstruction #CustomHomes #ProductionBuilders #WomenInRealEstate

🎧 Episode 8: You Asked, We Spilled the Real-T! | Q&A with Martha & Natalia You asked... and we definitely spilled. In this juicy Q&A episode, your favorite real estate duo, Martha Smith & Natalia Pierantoni, get real about everything—from our real estate journeys to behind-the-scenes tea you didn’t even know you needed! ☕️🔥 💼 In this episode, we cover: ✨ How we got into real estate (and what we did before) ✨ Our biggest challenges, wins & wildest commission checks ✨ What brokerages we're with and if we mentor new agents ✨ Honest takes on Airbnb, commission structures & staying motivated ✨ How we handle stress (spoiler: dirty martinis may be involved 🍸) ✨ Personal life fun: Is Natalia single? How did we meet? What’s our hype song before a showing? 🔥 BONUS: We end with a rapid-fire round called Real Tea—and trust us, it’s hilarious. 🎤 Whether you're a new agent, thinking of joining real estate, or just love a good behind-the-scenes moment—this one’s for YOU. 👇 Drop a comment with your favorite moment or your own question for a future Q&A! 🔔 Don’t forget to like, subscribe & follow us for more unfiltered real estate truth. 📲 Follow us on IG: @keepnitrealtpodcast 💌 Got questions? DM us or email: [your email here] 🎧 New episodes every Tuesday! #realestatepodcast #realtorlife #QandA #KeepnItRealT #girlbosses #realestatetea #behindthescenes

👇 Drop your questions in the comments for future episodes! 📲 Follow us on Instagram & TikTok: @keepnitreal_t 📍 Serving Tampa Bay & beyond | New episodes every Tuesday! 👍 Don’t forget to LIKE, SUBSCRIBE so you never miss the real-T! https://www.youtube.com/@KeepnItReal_T