Here’s your cleaned-up and polished version of the episode description with minor tweaks for clarity, consistency, and a smooth professional flow:

🎙️ Episode 13 – Hometown Heroes Program is BACK! | Keep’n It Real-T

Ready to buy a home with little to NO money down? 👀 You need to hear this!

In this episode of Keep’n It Real-T, hosts Martha Smith and Natalia Pierantoni are joined by special guest Heidi Lombardi, Branch Manager and Mortgage Loan Originator with Pioneer Mortgage, to break down the newly relaunched Hometown Heroes Program—expected to roll out July 1, 2025!

This game-changing loan program is designed to help first-time homebuyers achieve homeownership with up to $35,000 in down payment assistance.

In this episode, we cover:

• What the Hometown Heroes Program is and who qualifies

• Step-by-step breakdown of how to apply

• Common mistakes to avoid

• Who this program is not for

• Why this is a limited-time opportunity you don’t want to miss

Plus, we put Heidi in the Hot Seat for a fun rapid-fire Q&A you won’t want to miss! 🔥

💡 If you're a first-time homebuyer—or know someone who is—this episode is for YOU.

📩 Questions or want to connect? Email us at: keepnitrealt@gmail.com 📲 Follow us on IG: @keepnitreal_t 💙 Don’t forget to like, comment, share, and leave us a review!

🎙 Episodio 12: Spanglish Special – ¡Sí Se Puede! Comprar Sin Miedo 🏡

En este episodio especial de Keep’n It Real-T, lo hacemos Spanglish-style 🎉 porque queremos hablar directamente con nuestra comunidad Latina. Si alguna vez has pensado que no puedes comprar casa porque no tienes suficiente dinero ahorrado, no entiendes el proceso o simplemente tienes miedo... ¡ESTE episodio es para ti!

Las anfitrionas Martha Smith y Natalia Pierantoni comparten toda la información esencial para que puedas comprar tu casa sin miedo:

✅ Qué necesitas para empezar

✅ Qué documentos piden los prestamistas

✅ Qué programas existen para ayudarte con el (down payment)

✅ Cómo funciona la pre-aprobación y por qué es tan importante

✅ Qué hacer si tienes ITIN, DACA o estatus mixto

✅ ¡Y mucho más!

🎯 Este episodio es para ti si:

Eres comprador por primera vez

No sabes por dónde empezar

Crees que necesitas crédito perfecto (¡no es cierto!)

Quieres aprender cómo salir del ciclo de la renta

✨ Mensaje importante: No estás solo. Sí se puede. Te ayudamos paso a paso.

🎙️ Anfitrionas: Martha Smith & Natalia Pierantoni

📩 ¿Tienes preguntas? Escríbenos a keepnitrealt@gmail.com

📲 Síguenos en Instagram: @keepnitreal_t

#KeepnItRealT #PodcastEnEspañol #ComprandoCasa #PrimeraCasa #SiSePuede #ITIN #DACA #AsistenciaParaCompradores #RealEstatePodcast #Propiedad #TampaRealtor #FamiliaLatina

🎙️ 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 7: Commercial Real Estate with The Commercial Cowboy, Yae Colon Welcome to the Wild West of Commercial Real Estate!

In this episode of Keep’n It Real-T, we’re joined by none other than Yae Colon, a.k.a. The Commercial Cowboy! From land to industrial space, Yae knows the ins and outs of commercial deals—and he’s here to spill the REAL-T on everything you need to know if you're thinking about leasing or investing in commercial property.

🤠 We talk cowboy hats, commercial loans, lease structures, negotiation tips, and everything in between—with a whole lot of laughs along the way.

🔥 What you’ll learn in this episode: • How to get started in commercial real estate • The biggest myths about the industry • Steps to lease or buy commercial space • Financing options: SBA, CLTV, Bridge loans & more • Types of commercial leases (NNN, Gross, Percentage) • How to structure offers, do due diligence, and close with confidence • What every tenant should know before signing a lease

💥 Plus, stick around for our signature Real-T Talk Rapid Fire Game—where Yae answers wild questions like “Horse or Donkey?” and “Cowboy hat or Cowboy boots?”

📍 Episode Air Date: May 13 🎙️ Hosted by: Martha Smith & Natalia Pierantoni 🎤 Guest: Yae Colon (@tampacommercialproperties)

👇 Subscribe, leave a review, and share this episode with anyone thinking about going commercial! 📩 Email us: keepnitrealt@gmail.com 📸 Follow the show on Instagram & TikTok: @keepnitreal_t

#KeepnItRealT #CommercialRealEstate #YaeColon #TheCommercialCowboy #RealEstatePodcast #TampaRealtor #RealtorLife #NNNLease #PodcastEpisodes #WomenInRealEstate

👇 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