Episode 15

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Published on:

6th May 2021

Episode #15 - What You Need to know about Getting a Mortgage

In episode 15, we're talking about the way most folks buy a house (at least Millennials)... with a Mortgage. I'm joined by Mortgage Bankers, Jen Gile and Taylor Nedrow.

Jen and Taylor sit down with Kyle to discuss what you need to know about getting a mortgage. As you'll discover, not all mortgages are the same, or created equal. How much do you need down? How do you avoid PMI... what is PMI for that matter?!? Conventional, FHA, VA... we discuss all things mortgage, and the process for getting a mortgage to buy a house.

Before they dive into mortgages, they talk volleyball and what makes for the perfect kill, more wrestling, and their shoes growing up. As always, they top things off with some Five-Teen Minutes of Fluff.

This one is for the record books, our first explicit episode because Kyle said, "shit," and we don't want to get banned. :)

Tune in!

To skip the fluff, go to the (31:13) mark. However, it's not advised!

Resources:

Noah’s Bandage Project,

Jen Gile, the KC Dancing Star,

The BMA Foundation Annual Dine and Dance with the Stars,

Road Trip (the movie),

Millennials made up the largest share of home buyers at 38% in 2019 (statistics),

Types of Mortgages,

Debt to Income Ratio,

Mortgage Closing Costs,

Spencer Lee is tougher than LeBron James,

Iowa Hawkeye Volleyball Record Books, and Kill Master Jen (Bell) Gile,

Iowa Hawkeye Volleyball #6 All-Time Kills Leader, Jen (Bell) Gile (Page 8),

Rep. Dan Crenshaw Eye Surgery, and **Update**

Jen's Walk-Up Song: Def Leppard - Pour Some Sugar on Me

Taylor's Walk-Up Song: Anderson Silva Walk Out Music - Ain't No Sunshine (by DMX)

Kyle's Walk-Up Song: Outkast - So Fresh, So Clean or Walking on the Moon - Shut Up and Dance

Jen Gile, Loan Officer (NMLS # 229511) - Fairway Independent Mortgage Corporation

Phone: 913-660-8371,

Taylor Nedrow, Sr. Mortgage Banker (NMLS # 584283) - Flat Branch Home Loans

Phone: 913-579-5938

Kyle Hill, CFP® - Hill-Top Financial Planning, LLC

KCFAN (Kansas City Financial Advisors Network),

XY Planning Network (XYPN),

FEE-ONLY Network,

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About the Podcast

Personal Finance from the Hill-Top

Smart, Practical Personal Finance for Every Stage of Life

There are plenty of retirement podcasts out there, but what about the financial challenges facing families, professionals, and retirees navigating life today? Personal Finance from the Hill-Top (PFFTHT) brings you real, straightforward conversations about money—without the confusing industry jargon.

Hosted by Kyle Hill, CFP®, owner of Hill-Top Financial Planning, LLC, this podcast dives into the financial topics that actually matter to you:
✅ How to build wealth while raising a family
✅ Saving for college and retirement at the same time
✅ Smart tax strategies for high earners and retirees
✅ Investing, insurance, and making confident financial decisions
✅ Avoiding common money mistakes and planning for the future

You’ll hear expert interviews, real-world financial tips, and practical advice you can actually use—whether you’re in your 30s juggling career and kids, in your 50s preparing for retirement, or somewhere in between.

💡 Join us as we break down personal finance in a way that’s fun, engaging, and built for real life.

🎧 Subscribe now and start taking control of your financial future!

About your host

Kyle Hill, CFP®

Kyle is a CERTIFIED FINANCIAL PLANNER™ professional and owner of Hill-Top Financial Planning, LLC, an independent financial planning firm that he started to help younger adults develop financial confidence and create a path to financial independence. He provides comprehensive financial planning and investment management services. With his subscription model (think Netflix for your finances) he's able to bring objective, Fee-Only advice to an underserved population, Younger Adults. He lives in Kansas City, MO with his wife, two boys, and two bassador dogs (Bubba & Charlie Gibson... yep, after the former news anchor!).