<?xml version="1.0" encoding="UTF-8"?><rss xmlns:dc="http://purl.org/dc/elements/1.1/" xmlns:content="http://purl.org/rss/1.0/modules/content/" xmlns:atom="http://www.w3.org/2005/Atom" version="2.0" xmlns:itunes="http://www.itunes.com/dtds/podcast-1.0.dtd" xmlns:psc="http://podlove.org/simple-chapters" xmlns:podcast="https://podcastindex.org/namespace/1.0"><channel><title><![CDATA[Coffee, Keys, & Clarity]]></title><description><![CDATA[<p><b>Coffee, Keys, &amp; Clarity</b> is where real estate meets real conversation. Hosted by a Tennessee Realtor with a heart for serving others, this podcast offers honest insight, helpful education, and clear guidance for anyone navigating the home buying or selling journey. It’s real talk, practical advice, and a little encouragement over coffee.</p>]]></description><link>https://riverside.com</link><generator>Riverside.fm (https://riverside.com)</generator><lastBuildDate>Sat, 11 Jul 2026 16:16:57 GMT</lastBuildDate><atom:link href="https://api.riverside.com/hosting/M4eXOgmF.rss" rel="self" type="application/rss+xml"/><author><![CDATA[Keri Gilles]]></author><pubDate>Tue, 31 Mar 2026 18:06:39 GMT</pubDate><copyright><![CDATA[2026 Keri Gilles]]></copyright><language><![CDATA[en]]></language><ttl>60</ttl><category><![CDATA[Business]]></category><category><![CDATA[How To]]></category><itunes:author>Keri Gilles</itunes:author><itunes:summary>&lt;p&gt;&lt;b&gt;Coffee, Keys, &amp;amp; Clarity&lt;/b&gt; is where real estate meets real conversation. Hosted by a Tennessee Realtor with a heart for serving others, this podcast offers honest insight, helpful education, and clear guidance for anyone navigating the home buying or selling journey. It’s real talk, practical advice, and a little encouragement over coffee.&lt;/p&gt;</itunes:summary><itunes:type>episodic</itunes:type><itunes:owner><itunes:name>Keri Gilles</itunes:name><itunes:email>keri@coffeekeysclarity.com</itunes:email></itunes:owner><itunes:explicit>no</itunes:explicit><itunes:category text="Business"/><itunes:category text="Education"><itunes:category text="How To"/></itunes:category><itunes:image href="https://hosting-media.riverside.com/media/podcasts/a975cf70-42fc-4fd7-92d0-4f4895a5adbd/logos/3ea49617-86f7-41ea-91cc-9d693df18db4.png"/><item><title><![CDATA[Mortgage Made Simple: A 4-Part Series with Brandon Ferguson]]></title><description><![CDATA[<p>In Episode 4, <b>Keri Gilles (Haus Realty &amp; Management)</b> and <b>Brandon Ferguson (Synergy One Lending)</b> walk you through what happens after you go under contract, including <b>underwriting, appraisal, lender conditions</b>, and the final steps to closing. You’ll learn the most common reasons deals get delayed, what buyers should avoid during escrow, and how your agent and lender work together to keep everything on track all the way to the keys.</p><h3></h3>]]></description><guid isPermaLink="false">4da90673-8761-42cb-93b5-f2d11af2c60f</guid><dc:creator><![CDATA[Keri Gilles]]></dc:creator><pubDate>Wed, 15 Apr 2026 19:03:20 GMT</pubDate><enclosure url="https://api.riverside.com/hosting-analytics/media/1cc5fd6346aadd9a0599fab5851f02196657fc7fe4e811d2db170f2f27fff25c/eyJlcGlzb2RlSWQiOiI0ZGE5MDY3My04NzYxLTQyY2ItOTNiNS1mMmQxMWFmMmM2MGYiLCJwb2RjYXN0SWQiOiJhOTc1Y2Y3MC00MmZjLTRmZDctOTJkMC00ZjQ4OTVhNWFkYmQiLCJhY2NvdW50SWQiOiI2OWM0ODMxMWJmNzEzMjAyNzA1NTQyMTYiLCJwYXRoIjoibWVkaWEvY2xpcHMvNjlkNzA4YzliYjEyZDk2MDJjZWY3YTZiL2tlcmktZ2lsbGVzcy1zdHVkaW8tY29tcG9zZXItMjAyNi00LTlfXzQtMi00OS5tcDMifQ==.mp3" length="54911207" type="audio/mpeg"/><podcast:transcript url="https://hosting-media.riverside.com/media/podcasts/a975cf70-42fc-4fd7-92d0-4f4895a5adbd/episodes/4da90673-8761-42cb-93b5-f2d11af2c60f/transcripts.txt" type="text/plain"/><itunes:summary>&lt;p&gt;In Episode 4, &lt;b&gt;Keri Gilles (Haus Realty &amp;amp; Management)&lt;/b&gt; and &lt;b&gt;Brandon Ferguson (Synergy One Lending)&lt;/b&gt; walk you through what happens after you go under contract, including &lt;b&gt;underwriting, appraisal, lender conditions&lt;/b&gt;, and the final steps to closing. You’ll learn the most common reasons deals get delayed, what buyers should avoid during escrow, and how your agent and lender work together to keep everything on track all the way to the keys.&lt;/p&gt;&lt;h3&gt;&lt;/h3&gt;</itunes:summary><itunes:explicit>no</itunes:explicit><itunes:duration>00:38:08</itunes:duration><itunes:image href="https://hosting-media.riverside.com/media/podcasts/a975cf70-42fc-4fd7-92d0-4f4895a5adbd/logos/3ea49617-86f7-41ea-91cc-9d693df18db4.png"/><itunes:season>1</itunes:season><itunes:episode>4</itunes:episode><itunes:title>Mortgage Made Simple: A 4-Part Series with Brandon Ferguson</itunes:title><itunes:episodeType>full</itunes:episodeType></item><item><title><![CDATA[Mortgage Made Simple: A 4-Part Series with Brandon Ferguson]]></title><description><![CDATA[<p>In Episode 3, <b>Keri Gilles (Haus Realty &amp; Management)</b> and <b>Brandon Ferguson (Synergy One Lending)</b> cut through the noise around interest rates. You’ll learn what actually influences rates, how <b>rate locks</b> work, and how to focus on the things you can control, like credit, budget, and loan strategy. Plus, Keri shares how strong negotiation, pricing, and concessions can help buyers stay smart even when the market shifts.</p><h3></h3>]]></description><guid isPermaLink="false">38aa23b0-f1ad-4527-b1fc-b0e6a1e71425</guid><dc:creator><![CDATA[Keri Gilles]]></dc:creator><pubDate>Wed, 15 Apr 2026 19:01:26 GMT</pubDate><enclosure url="https://api.riverside.com/hosting-analytics/media/07d87e1b31816a02a3a6e957f7d900c2dbf5ce068cded46725000007977050a8/eyJlcGlzb2RlSWQiOiIzOGFhMjNiMC1mMWFkLTQ1MjctYjFmYy1iMGU2YTFlNzE0MjUiLCJwb2RjYXN0SWQiOiJhOTc1Y2Y3MC00MmZjLTRmZDctOTJkMC00ZjQ4OTVhNWFkYmQiLCJhY2NvdW50SWQiOiI2OWM0ODMxMWJmNzEzMjAyNzA1NTQyMTYiLCJwYXRoIjoibWVkaWEvY2xpcHMvNjlkNzA1ZTI2MTQ1ZjE3M2MyNDNiZmFmL2tlcmktZ2lsbGVzcy1zdHVkaW8tY29tcG9zZXItMjAyNi00LTlfXzMtNTAtMjYubXAzIn0=.mp3" length="39910443" type="audio/mpeg"/><podcast:transcript url="https://hosting-media.riverside.com/media/podcasts/a975cf70-42fc-4fd7-92d0-4f4895a5adbd/episodes/38aa23b0-f1ad-4527-b1fc-b0e6a1e71425/transcripts.txt" type="text/plain"/><itunes:summary>&lt;p&gt;In Episode 3, &lt;b&gt;Keri Gilles (Haus Realty &amp;amp; Management)&lt;/b&gt; and &lt;b&gt;Brandon Ferguson (Synergy One Lending)&lt;/b&gt; cut through the noise around interest rates. You’ll learn what actually influences rates, how &lt;b&gt;rate locks&lt;/b&gt; work, and how to focus on the things you can control, like credit, budget, and loan strategy. Plus, Keri shares how strong negotiation, pricing, and concessions can help buyers stay smart even when the market shifts.&lt;/p&gt;&lt;h3&gt;&lt;/h3&gt;</itunes:summary><itunes:explicit>no</itunes:explicit><itunes:duration>00:27:43</itunes:duration><itunes:image href="https://hosting-media.riverside.com/media/podcasts/a975cf70-42fc-4fd7-92d0-4f4895a5adbd/logos/3ea49617-86f7-41ea-91cc-9d693df18db4.png"/><itunes:season>1</itunes:season><itunes:episode>3</itunes:episode><itunes:title>Mortgage Made Simple: A 4-Part Series with Brandon Ferguson</itunes:title><itunes:episodeType>full</itunes:episodeType></item><item><title><![CDATA[Mortgage Made Simple: A 4-Part Series with Brandon Ferguson]]></title><description><![CDATA[<p>Buying a home shouldn’t feel like a financial mystery. Join Keri Gilles and Brandon Ferguson as they simplify the full cost breakdown, explain your options, and share practical tips to help you prepare for cash-to-close with less stress and more clarity.</p>]]></description><guid isPermaLink="false">92535606-96e4-4f61-974b-79e476d245db</guid><dc:creator><![CDATA[Keri Gilles]]></dc:creator><pubDate>Wed, 15 Apr 2026 18:58:55 GMT</pubDate><enclosure url="https://api.riverside.com/hosting-analytics/media/8a3aff0924dc2cc92c8eb9022cdc4efe58b7d111960dcf7cdad4a8f2824b2f5a/eyJlcGlzb2RlSWQiOiI5MjUzNTYwNi05NmU0LTRmNjEtOTc0Yi03OWU0NzZkMjQ1ZGIiLCJwb2RjYXN0SWQiOiJhOTc1Y2Y3MC00MmZjLTRmZDctOTJkMC00ZjQ4OTVhNWFkYmQiLCJhY2NvdW50SWQiOiI2OWM0ODMxMWJmNzEzMjAyNzA1NTQyMTYiLCJwYXRoIjoibWVkaWEvY2xpcHMvNjlkNmY5ZWU2YTNlYzk0ZjI0MjgxYzNlL2tlcmktZ2lsbGVzcy1zdHVkaW8tY29tcG9zZXItMjAyNi00LTlfXzItNTktMjUubXAzIn0=.mp3" length="60262130" type="audio/mpeg"/><podcast:transcript url="https://hosting-media.riverside.com/media/podcasts/a975cf70-42fc-4fd7-92d0-4f4895a5adbd/episodes/92535606-96e4-4f61-974b-79e476d245db/transcripts.txt" type="text/plain"/><itunes:summary>&lt;p&gt;Buying a home shouldn’t feel like a financial mystery. Join Keri Gilles and Brandon Ferguson as they simplify the full cost breakdown, explain your options, and share practical tips to help you prepare for cash-to-close with less stress and more clarity.&lt;/p&gt;</itunes:summary><itunes:explicit>no</itunes:explicit><itunes:duration>00:41:51</itunes:duration><itunes:image href="https://hosting-media.riverside.com/media/podcasts/a975cf70-42fc-4fd7-92d0-4f4895a5adbd/logos/3ea49617-86f7-41ea-91cc-9d693df18db4.png"/><itunes:season>1</itunes:season><itunes:episode>2</itunes:episode><itunes:title>Mortgage Made Simple: A 4-Part Series with Brandon Ferguson</itunes:title><itunes:episodeType>full</itunes:episodeType></item><item><title><![CDATA[Mortgage Made Simple: A 4-Part Series with Brandon Ferguson]]></title><description><![CDATA[<p>Before you fall in love with a house, make sure you’re truly ready to buy. In Episode 1, <b>Keri Gilles (Haus Realty &amp; Management)</b> and <b>Brandon Ferguson (Synergy One Lending)</b> break down <b>pre-approval vs. pre-qualification</b>, what lenders actually look for, and the biggest credit and money mistakes to avoid. You’ll leave with a simple checklist to get approved the right way and shop with confidence.</p>]]></description><guid isPermaLink="false">66263261-db43-4932-bad4-3bc1c6593568</guid><dc:creator><![CDATA[Keri Gilles]]></dc:creator><pubDate>Wed, 15 Apr 2026 18:54:57 GMT</pubDate><enclosure url="https://api.riverside.com/hosting-analytics/media/13fd3f8ad7c40d3587d96871b518086fc5864f5a7f3e872e13c889f2aa1c225b/eyJlcGlzb2RlSWQiOiI2NjI2MzI2MS1kYjQzLTQ5MzItYmFkNC0zYmMxYzY1OTM1NjgiLCJwb2RjYXN0SWQiOiJhOTc1Y2Y3MC00MmZjLTRmZDctOTJkMC00ZjQ4OTVhNWFkYmQiLCJhY2NvdW50SWQiOiI2OWM0ODMxMWJmNzEzMjAyNzA1NTQyMTYiLCJwYXRoIjoibWVkaWEvY2xpcHMvNjlkNmY4NzE2MWZkOWRiYjUzM2FlMGZlL2tlcmktZ2lsbGVzcy1zdHVkaW8tY29tcG9zZXItMjAyNi00LTlfXzItNTMtNS5tcDMifQ==.mp3" length="42700321" type="audio/mpeg"/><podcast:transcript url="https://hosting-media.riverside.com/media/podcasts/a975cf70-42fc-4fd7-92d0-4f4895a5adbd/episodes/66263261-db43-4932-bad4-3bc1c6593568/transcripts.txt" type="text/plain"/><itunes:summary>&lt;p&gt;Before you fall in love with a house, make sure you’re truly ready to buy. In Episode 1, &lt;b&gt;Keri Gilles (Haus Realty &amp;amp; Management)&lt;/b&gt; and &lt;b&gt;Brandon Ferguson (Synergy One Lending)&lt;/b&gt; break down &lt;b&gt;pre-approval vs. pre-qualification&lt;/b&gt;, what lenders actually look for, and the biggest credit and money mistakes to avoid. You’ll leave with a simple checklist to get approved the right way and shop with confidence.&lt;/p&gt;</itunes:summary><itunes:explicit>no</itunes:explicit><itunes:duration>00:29:39</itunes:duration><itunes:image href="https://hosting-media.riverside.com/media/podcasts/a975cf70-42fc-4fd7-92d0-4f4895a5adbd/logos/3ea49617-86f7-41ea-91cc-9d693df18db4.png"/><itunes:season>1</itunes:season><itunes:episode>1</itunes:episode><itunes:title>Mortgage Made Simple: A 4-Part Series with Brandon Ferguson</itunes:title><itunes:episodeType>full</itunes:episodeType></item></channel></rss>