This Industry Insider’s Expertise and Guidance Makes the Dream of Home Ownership Attainable

In a Nutshell: Finding the home of your dreams can be challenging. But consumers who struggle with credit issues may be at a greater financial disadvantage as they attempt to secure the home they want. NewHomePrograms.com helps homebuyers improve their credit so they can save money on mortgages. The company also conducts financial seminars to help homebuyers learn about credit scores and different types of properties.

The busy pace of modern life can leave us feeling stressed and exhausted at the end of each day. We all need a place to call home — somewhere we can gain respite from the day’s demands and recharge our batteries for what lies ahead.

Renting a house or apartment provides people with a living space without the commitment to buy the property. But many of us aspire to own property one day and turn it into a home where we can raise our families and enjoy one another’s company.

Buying a house isn’t always a quick or painless process. Homes are expensive, and most prospective homebuyers lack expertise in many facets of the homebuying process. 

On the flip side, selling a home can be fraught with peril for sellers who don’t work with an industry professional. And home sellers have enough on their to-do lists with packing their homes and planning their move to a new residence. 

Partnering with an experienced real estate firm that emphasizes honesty and respect can be invaluable for homebuyers and sellers. NewHomePrograms.com is a value-based real estate firm headquartered in Spring, Texas. We caught up with Cory Kammerdiener, the firm’s Owner and Broker of Record, to learn more about how NewHomePrograms.com simplifies home buying and selling for its customers.

Kammerdiener is a veteran who spent more than eight years in the military. After his tour concluded, Kammerdiener worked various jobs that allowed him to use the skills he’d learned as a recruiter for the military. A former colleague persuaded him to work for a real estate company selling homes.

But selling a house isn’t without its challenges. Kammerdiener’s first attempt at selling a home didn’t go as he expected it to. Although he had found a homebuyer a house they wanted to purchase, problems arose when they attempted to secure financing.

“Seven days after I made my first sale, the company came back to me and said they were canceling the contract for the home sale,” Kammerdiener told us. “I had done exactly what the company had instructed me to do, but the homebuyer had bad credit and couldn’t get financing to complete the sale. It was at that moment that I realized that selling homes was going to be a little harder than I had initially thought.”

Kammerdiener’s initial experiences with selling homes led him to research consumer credit topics. He wanted to gain a better understanding of how someone in the market for buying a home can position themselves to access credit.

Kammerdiener learned about the factors that contribute to credit scores. His studies led him to develop a strategy to help homebuyers improve their credit scores. 

“I looked into the algorithm for credit scores and reverse-engineered the five factors of credit scoring,” Kammerdiener told us. “I offered people a service where I would analyze their credit reports, and, with an understanding of what mortgage underwriters are looking for, I’d help people fix their credit to the point that they’d meet the right guidelines. So I became a credit repair guy.”

Kammerdiener’s efforts to help homebuyers improve their credit led to a significant increase in the number of customers seeking his services. He told us other salespeople working in the area found out about his services and began referring their clients to him. He consulted with homebuyers to advise them about which aspects of their credit reports they should dispute and which debts they should settle.

Kammerdiener’s credit repair work paid off. With more customers eligible for home loans, Kammerdiener’s home sales notably increased. His success in helping homebuyers access credit motivated him to become a licensed real estate agent in Texas.

Kammerdiener told us he then built a website and started a new venture — NewHomePrograms.com. He developed a logo for the website and purchased 48 web domain names. The website’s popularity spurred Kammerdiener to commit to ensuring NewHomePrograms.com could be a sustainable and profitable business.  

The success of NewHomePrograms.com has enabled Kammerdiener to open new businesses that provide complimentary services to homebuyers.

“Because of the success of the website and the amount of traffic it was generating, I had advertisers and credit card companies paying me to feature their products,” Kammerdiener told us. “In 2013, I signed a contract for a five-year deal where I had my own branded secure credit card backed by a multi-billion dollar company. So I was issuing credit cards and helping people fix their credit.”

Kammerdiener also opened a mortgage company and an insurance agency as NewHomePrograms.com grew.

Consumers searching for credit repair tips can find numerous online services that guide them through the steps necessary to improve their credit. But sometimes we prefer to receive in-person education about credit repair that enables us to ask questions and interact with credit experts.

Kammerdiener conducts free seminars for prospective homebuyers each month. Interested homebuyers can attend the seminars in person or access them online. Kammerdiener told us he educates attendees about credit topics, including taking an in-depth look at credit scores and offering tips to improve one’s credit.

The seminars also cover the real estate purchase process and what banks prefer to see in a consumer’s mortgage application.

Kammerdiener manages a database that helps him stay abreast of prospective homebuyers’ activities and the properties for sale in the markets he serves.

“A lot of times, people who are interested in a home will check it out online but won’t take the step to tour the home because they have credit issues or don’t think they can afford the down payment,” Kammerdiener told us. “They don’t know that government programs may be able to help them with their down payments. Our program is designed to get a homebuyer’s credit in a position where billion-dollar banks are fighting over each other to lend to them.”

Kammerdiener’s success with NewHomePrograms.com has inspired him to expand the company throughout the U.S. He has earned his real estate licenses in Florida and West Virginia and has managed brick-and-mortar real estate offices in multiple states.

Though he’s busy managing NewHomePrograms.com, Kammerdiener is also starting a second real estate company called HomeRock Realty.

While NewHomePrograms.com serves homebuyers interested in purchasing a new house, Kammerdiener told us he designed HomeRock Realty to serve consumers interested in buying new or used homes. The company will also feature listings for rental properties. Kammerdiener plans to rebrand a number of the businesses he operates under the HomeRock name.

“We’ll offer multiple services under one roof to allow people to bundle our services,”  Kammerdiener told us. “It’s going to make people’s lives easier while also bringing the costs down for them. No real estate company has been able to pull this off, and I’m moving at a measured pace because I’m financing it with my own money.”

Kammerdiener’s years of experience in the real estate industry have taught him valuable lessons that can help homebuyers save money. A homebuyer’s credit score can help them access mortgages with favorable interest rates. Kammerdiener told us a homebuyer with a credit score of 640 can earn better interest rates than a homebuyer with a credit score of 639.

“If you have a credit score of 639, then you’re probably looking at an interest rate of 7.5%,” Kammerdiener said. “But if you have a credit score of 640, you’ll probably get a 1% drop in your interest rate just because you have that one extra point. So I put that seed in a homebuyer’s mind and show them how different credit scores can lead to different interest rates.”

Kammerdiener also helps consumers understand how their financial habits and daily expenses can combine to prevent them from achieving their financial goals. He assists consumers in establishing budgets to unearth opportunities for saving money. Kammerdiener told us people who learn how their actions impact their financial circumstances may be motivated to improve their money management skills. 

Layaway plans allow consumers to purchase an item over time. Sellers offering layaway plans reserve an item for the buyer until they make payment in full. 

Kammerdiener advises consumers to follow a layaway plan when purchasing houses. He said homebuyers can work with home builders to make deposits on a home’s down payment over time. The practice establishes trust between a home builder and homebuyer and removes the temptation for homebuyers to spend their money on something other than a home’s down payment.

“You’ve got to make buying a home a process for people that they can complete in achievable steps,” Kammerdiener told us. “We use a systematic approach and provide solutions for all of your real estate needs. We use a number of systems and have processes in place that work together to help people achieve their goals.”