Host Monty Rossetti sits down with Melinda Gold, Director of Mortgage Banking at Stockyards Bank and Trust, to walk through the home buying process one step at a time. They start where most journeys begin, with understanding how much you may qualify for and what your estimated monthly payments could look like, then explain how prequalification and preapproval differ and why that distinction matters when you make an offer.
From there, the conversation follows the path a real buyer takes: working with a real estate professional, comparing neighborhoods, and weighing needs against wants. Melinda explains what happens once an offer is accepted, when appraisals, inspections, title work, and loan processing all begin moving at once, and she demystifies the underwriting stage so it feels far less intimidating.
As closing day nears, you will learn what final disclosures and walkthroughs to expect and why reaching the closing table is worth the paperwork. Melinda closes with practical advice for staying organized, asking questions, and leaning on trusted professionals so you can feel supported from beginning to end.
This episode is for general educational purposes and is not a substitute for professional advice. Press play to feel more confident about the road to homeownership.