Troy Talks Money
Troy Talks Money
Troy Holt | The Financial GPS
Before You Call a Loan Officer, Do This First | Rickeshia Odell
27 minutes Posted May 20, 2026 at 12:30 pm.
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Most buyers think having a pre-approval means they are ready to buy a home. Rickeshia Odell says not so fast.

Rickeshia is a REALTOR with eXp Realty licensed in Minnesota and Wisconsin. She has been walking buyers and sellers through one of the biggest financial decisions of their lives for over 12 years. In this conversation she breaks down what most people get wrong before they ever make an offer, why you should call your realtor before your loan officer, what upfront costs most buyers never see coming, and how knowing your why makes the difference between someone who closes and someone who stalls.

She also gets into what sellers misunderstand about their own home value, what really happens when a deal falls through, and why her approach has always been about walking with people hand in hand instead of just pushing papers across a table.

If you are thinking about buying or selling a home, this conversation is for you.

Connect with Rickeshia Odell:Phone: 612-839-9509Email: [email protected]

Troy Holt is a Certified Financial Education Instructor, Navy veteran, and debt elimination specialist.

He helps families pay off their mortgage and all debt in five to seven years without refinancing.

Visit TroyHolt.com to book a free consultation.