What is The American Dream?

The American Dream is a national and local television program that goes against the grain of negative media and pop culture providing a positive message, helping you navigate your real estate market and giving you the motivation to fight for your American Dream. Kelly is the local host of the American Dream in the Scottsdale/Phoenix Market and also provides her "Mortgage Minute" each week.

Kelly is alongside some of the biggest names in real estate and television including but not limited to; Ryan Serhant (Million Dollar Listings New York), Josh Altman (Million Dollar Listings Los Angeles), Seth O’Byrne (HGTV), Grant Cardone (NY Times Best Selling Author/Speaker) and Gary Vaynerchuk (serial entrepreneur & renowned speaker) just to name a few! Be sure to watch the Live Stream every Thursday at 7 PM and CLICK HERE to see what we’re all about!

Don't Miss the Show:

Catch the show live streaming every Thursday at 7 PM. CLICK HERE to watch! You can also see the show on Amazon Prime, Apple TV, Roku and Android TV!
American Dream
History of Interest Rates

History of Interest Rates

It's fun to take a look back and see what interest rates have been through the last several decades! Although we have had a number of ups and downs over the last month, it's still a great time to purchase or refinance!

Refinance for CASH Buyers!

Refinance for CASH Buyers!

Did you know there is a refinance for buyers how want to pay cash to win the deal but still want to leverage a home loan? Watch my latest appearance on the American Dream TV for the details!

What is Needed for a Prequalification?

What is Needed for a Prequalification?

If you or someone you know would like to get prequalified for a home loan, WATCH my latest appearance on the American Dream TV. I am breaking down what exactly is needed to get the process started.

What is APR?

What is APR?

If you are getting a home loan you may be wondering why you are seeing two different rates? One is the Interest Rate and one is the APR. These rates are not typically the same either. This often causes confusion with home buyers. Watch my latest appearance on the American Dream TV where I am covering...what exactly is the APR?

Win the Deal Financing Strategy!

Win the Deal Financing Strategy!

The Phoenix Metro real estate market is on fire! If you're wanting to buy a home right now, you may find yourself in a competitive offer situation. Check out my recent appearance on the American Dream TV where I am sharing a financing strategy that could help you win the deal.

What Income Does a Lender Use?

What Income Does a Lender Use?

As you embark on the #homeloan process you may have many questions! One thing I am often asked is, "what income does a lender use to qualify you for a #mortgage." Watch my latest appearance on the #AmericanDreamTV for the scoop!

Benefits of a VA Home Loan

Benefits of a VA Home Loan

Are you a Veteran who is interested in a #vahomeloan? Watch my latest appearance on the American Dream TV to learn the benefits of using this amazing #loanprogram specifically for #veterans. We've been honored to serve Veterans for more than 23 years and would love the opportunity to assist you.

4 Options for Down Payment Funds

4 Options for Down Payment Funds

Is the lack of #downpayment funds holding you back from #buyingahome? If so, WATCH my appearance on the American Dream TV where I am sharing 4 different options for where you might get down payment funds. These ideas may surprise you!

FSelf Employed? How Taxes Affect Home Loans

Self Employed? How Taxes Affect Home Loans

If you are self-employed and wanting planning to #purchase or #refinance a home this year, WATCH my latest appearance on #AmericanDreamTV to learn the important information you need to know. The process for self-employed borrowers is different and taxes play a big part!

Buying a Home? Where to Start!

Buying a Home? Where to Start!

If it's your goal to buy a home this year, be sure to watch my latest appearance on the #americandreamtv! I am giving you a hot tip on where is the best place to start on your #homeownership journey.

Fhat Credit Score is Needed for a Home Loan?

What Credit Score is Needed for a Home Loan?

Have you ever wondered what #creditscore you need to get approved for a home loan or #mortgage? Well… it depends! It depends on which home loan program you’re utilizing. WATCH my latest Mortgage Minute on #AmericanDreamTV as I go over what the most popular home loan programs look for in terms of credit score.

Financing Home Renovations - American Dream TV S6 E11

Financing Home Renovations

The Phoenix Metro market is hot, hot, hot! Homes under $400K that are renovated and updated are moving very fast! During your home search you may come across a home that needs updating or a little TLC. Most people don't know that you can #finance the cost of those renovations into the #homeloan.

3 Credit Score Myths

3 Credit Score Myths

Watch my latest appearance on #americandreamtv where I am debunking 3 popular credit score myths. You may be surprised to learn what impacts your score and what doesn't!

Secret trick to increase your credit score! Video

Secret trick to increase your credit score!

If you want to boost your #creditscore there is ONE TRICK that will get you there! Watch my latest appearance on #AmericanDreamTV show for the secret on how to #increaseyourscore! Increasing your credit score is a great idea if are looking to purchase a home.

Should I buy when Home Prices are UP?

Should I buy when Home Prices are UP?

While it may be true that home prices are increasing, the GOOD NEWS is that’s not the only factor to consider when buying a home.

Relief from Student Loan Debt? Video

Relief from Student Loan Debt?

If you are bogged down with student loan debt there may be a solution if you own your home and have equity in it. It could save you hundreds of dollars a month.

Myths Holding You Back From Homeownership Video

Myths Holding You Back From Homeownership

If you've been holding off on buying a home -- watch my video where I am debunking 2 common myths that hold people back from achieving the dream of homeownership.

Can Down Payment Funds be Gifted? Video

Can Down Payment Funds be Gifted?

You may be wondering if the funds for your down payment can be in the form of a gift? Watch American Dream TV to find out!

Don't Get Your Home Loan Off-Track Video

Is now the right time to refinance?

The media is all a buzz about refinancing! But is it is really the right time for you?

FHA Condo Financing Changes Video

FHA Condo Financing Changes

If you are interested in buying a condo, I've got good news regarding some changes on FHA's Condo financing guidelines.

What do in a Multiple Offer Situation? Video

What do in a Multiple Offer Situation?

The Arizona Real Estate Market is HOT, HOT, HOT especially in price points under $400K. If you are looking for a home in this price range you may find yourself in a Multiple Offer Situation. What should you do to help win your dream home?

Changes to VA Home Loans Coming 2020 Video

Changes to VA Home Loans Coming 2020

There are some big changes coming to VA Home Loans this is good news for those in higher price ranges. Watch my latest appearance on the American Dream for the scoop.

Credit Score for Down Payment Assistance Video

Credit Score for Down Payment Assistance

If you are interested in getting down payment assistance, you may be wondering what the minimum credit score is for this type of program. Watch my latest Mortgage Minute on the American Dream TV for the answer.

Don't Get Your Home Loan Off-Track Video

Don't Get Your Home Loan Off-Track!

WATCH my latest appearance on the American Dream TV! I am talking about some of the things that can get your home loan off track. WATCH so you don't make these mistakes!

Hot Credit Tip from Cool Sedona Video

Hot Credit Tip from Cool Sedona!

On this episode of the #AmericanDreamTV, I'm coming to you from the cool temps of Sedona, Arizona with a HOT tip on credit! Authorized users may be bringing your credit score down! Don't let that happen -- WATCH THIS!!

Second Home Financing in Munds Park Video

Second Home Financing in Munds Park!

Buying a second home may be more affordable than you thought! Check-out my latest trip to Munds Park for a tip on second home -financing!

What Happens to the Mortgage in Divorce Video

What Happens to the Mortgage in Divorce?

I've got special guest Randi Burggraff with Burggraff Tash & Levy on the #AmericanDreamTV today to talk about the impact that divorce can have on mortgages especially in a community property state like Arizona.

Why Do Credit Scores Differ?

Why Do Credit Scores Differ?

Check-out my recent appearance on the American Dream TV show to learn WHY credit scores differ.

Can You Lease Back a Property?

Can You Lease Back a Property?

You may be wondering it is possible to lease back a property after you have sold it. Good news is YES but...watch my video because there is at least one important detail that you must know about if the buyer is getting a home loan on the property.

What $$ Amount is a Jumbo Loan?

What $$ Amount is a Jumbo Loan?

If you're considering a jumbo loan there's a few things you should know. For starters what dollar amount makes it a jumbo loan? Watch my appearance on the #AmericanDreamTV to learn more!

Condos vs Townhouses -- What's the difference?

Condos vs Townhouses -- What's the difference?

Check-out my latest appearance on The American Dream where I talk about the how to know the difference between a condo and a townhouse!

Renovation Loans!! We have them!

Renovation Loans!! We have them!

I'm coming to you from my home to yours! I recently completed a renovation project and replaced all the flooring in my home. Check-out my appearance on the American Dream TV to see the big reveal.

Mattress Money + Down Payment Funds

Mattress Money + Down Payment Funds

If you've been hiding cash $$ money in your mattress to use as your down payment on a new home you must watch this!! There are important things you need to know about cash and the home loan process.

Giving Sole - Interview with Gavin Henss

Giving Sole - Interview with Gavin Henss

I recently had the opportunity to meet 10-year old Gavin Henss. You may recognize him has the boy who made headlines with his #nevershutup sign for Lebron James at a Suns/Cavs game. Watch my interview with him to learn more about how that experience inspired him to create a charity for local kids in foster care.

Buying a New Build and Credit

Buying a New Build and Credit

If you or someone you know is buying a new build - watch this video. There's an important CREDIT tip you need to know about when you are buying a home that takes many months to construct.

What is Recasting for Home Loans

What is Recasting for Home Loans

If you are wanting to buy a home without it being contingent on the sale of your existing home, then Recasting might be right for you.

Buying a Home in Community Property State

Buying a Home in Community Property State

If you are buying ahome in a community property state like Arizona, there are a few things you will need to know.

Mortgage Insurance Options

Mortgage Insurance Options

Did you know there are various options when it comes to mortgage insurance? Check-out my latest appearance on the American Dream for an overview and what you need to know about mortgage insurance before you buy a home.

Will this dip in Interest Rates last?

Will this dip in Interest Rates last?

Everyone wants to know....will this recent dip in interest rates last? Watch my latest appearance on the American Dream for my thoughts...and how an increase in rates will affect your payment.

How 2018 Tax Filings Affect Home Loans

How 2018 Tax Filings Affect Home Loans

If you are looking to buy or refinance a home in early 2019 be sure to watch this! Your 2018 Income Tax Filings could affect the process.

What Are the Benefits of Homeownership?

What Are the Benefits of Homeownership?

In my latest #AmericanDreamTV #MortgageMinute I break down the benefits of homeowneship. These may be things you haven't thought of before!

Increased Loan Limits for 2019 Video

Increased Loan Limits for 2019

Kelly was recently on the American Dream sharing the good news about increased Loan Limits for 2019!

2018 Taxes & Home Loans Video

2018 Taxes & Home Loans

If your goal is to buy a home in 2019, here's something to keep in mind regarding how 2018 tax filing may affect your home loan.

Second Home Financing Video

Second Home Financing

I'm in one of our local neighborhoods here in Phoenix Metro and I'm talking about Second Home Financing.

Renovation Tips Video

Renovation Tips

It's #DemoDay at MY house! I'm getting new floors and Real Estate expert Darren Tackett with RE/MAX Fine Properties stopped by to let me know if I made a good investment and other great tips for those embarking on renovations.

Starting a Business Video

Starting a Business

I recently appear on American Dream TV with Liz Mason, CEO of High Rock Accounting sharing valuable tips for those who want to start a business.

Freezing Your Credit Video

Freezing Your Credit

Unfortunately, identity theft is on the rise! Freezing your credit is one of the ways that you can help protect yourself.

How Divorce Affects Home Loans Video

How Divorce Affects Home Loans

If you or someone you know is getting a divorce, be sure to watch this video to learn more about how divorce affects home loans.

Difference of FHA vs Conventional Loans Video

Difference of FHA vs Conventional Loans

I am often asked the difference between an FHA and Conventional Loan. Check-out my appearance on the American Dream to learn the differences.

First Time Home Buyer Tips Video

First Time Home Buyer Tips

There's a lot of information out there for First Time Home Buyers and it can be overwhelming at first.

Condo Financing Changes Video

Condo Financing Changes

Recent changes to the Conventional Condo Financing Guidelines could mean good news for those wishing to buy a condo.

Is Now a Good Time to Refinance Video

Is Now a Good Time to Refinance?

You may have heard in the media that rates are going up and now is not a good time to refinance…but is that true?

Is Now a Good Time to Refinance Video

Home Loan Strategies

Kelly Zitlow, Cornerstone Home Lending & Paige Heavey, Coldwell Banker recently teamed up on the American Dream to talk Home Loan Strategies.

Is it Possible to Remove Mortgage Insurance Video

Is it Possible to Remove Mortgage Insurance?

People are always asking is it possible to remove mortgage insurance? It's a great question.

How to get the Best Mortgage Video

How to get the Best Mortgage

I hate to break it to you but mortgages aren't pumpkin spiced lattes — it's not one size fits all.

Myths of VA Mortgages Video

Myths of VA Mortgages

There are a number of common misconception out there regarding VA Home Loans.

What Not To Do When Getting a Home Loan Video

What Not To Do When Getting a Home Loan

Kelly shares some important tips on what not to do during the home loan process.

Delayed Financing for Cash Buyers Video

Delayed Financing for Cash Buyers

We've got a great program for Cash Buyers interested in delayed financing.

Condos vs Townhouses Video

Condos vs. Townhouses

Kelly Zitlow appears on The American Dream to discuss the differences between Condos and Townhouses as well as how each affects the home loan process.

Waiting Period When Buying after a Foreclosure Video

Waiting Period When Buying after a Foreclosure

Is there a waiting period to buy a home after a foreclosure? Kelly Zitlow appears on The American Dream TV show to discuss waiting periods and more when buying a home after a foreclosure.

Solar & Home Loans Video

Solar & Home Loans

If you are considering a home that has SOLAR, watch this video! You will need to know how solar systems can affect the Home Loan Process.

Down Payment Assistance Video

Down Payment Assistance

Check-out Kelly Zitlow on this week's American Dream talking about changes to the HomePlus Down Payment Assistance Program in Arizona.

How to Win a Multiple Offer Situation Video

How to Win a Multiple Offer Situation

Watch this for tips on how to win the deal if you find yourself in a bidding war when there are multiple offers on a property.

What is a Dual Market Video

What is a Dual Market?

Learn what you need to know about a DUAL MARKET — which could be good news for both buyers and sellers.

Buying Again After a Foreclosure Video

Buying Again After a Foreclosure

Watch if you have experienced a Foreclosure, Short Sale or Bankruptcy.

Are Interest Rates Rising? Video

Are Interest Rates Rising?

Learn if interest rates are rising -- and get historical perspective on interest rates.