Resources

Free guides, real math,
no gimmicks.

Everything I wish every homebuyer and homeowner knew before signing anything. Written by me, in plain English, updated regularly.

Most Downloaded · Free PDF

The First-Time Buyer's Playbook

Everything I explain to first-time buyers on our first call — in five short chapters you can read in one sitting or save as a PDF.

  • How to know what you can actually afford
  • The 7 documents you need before applying
  • Down payment strategy (spoiler: 20% is a myth)
  • Credit score improvement in 90 days
  • Closing costs demystified
Get the playbook →
Interactive · Free Tool

Refi Break-Even Calculator

Refinancing only makes sense if the math works. This tool tells you exactly how long until you break even on closing costs.

  • Compare current vs. new rate
  • Factor in real closing costs
  • See break-even in months, not vibes
  • Get an honest yes/no recommendation
  • Save results and share with your spouse
Open the calculator →
01

How much house can you actually afford? (Not what the bank says.)

The number your lender approves you for and the number you should spend are two very different things. Here's the framework I use with every client.

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02

The 7 documents you need before applying for a mortgage

Gather these before your first call and you'll cut your application time in half. I made this list because it is the question I get asked most.

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03

Refi math: when the numbers actually work

Half the refis I see quoted online don't actually make sense. Here's the exact break-even framework I use — with real examples.

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04

Conventional vs. FHA: which is really cheaper long-term?

Everyone tells you to "avoid MIP." But the math over 5, 10, and 30 years often tells a different story. Let me walk you through it.

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05

VA loans, explained by someone who's closed hundreds

Zero down, no PMI, and a benefit you've earned. Here's everything most VA borrowers get wrong — and how to use the program to its fullest.

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06

Should you buy down your rate? A break-even framework

Discount points can save you money — or they can be a great way to overpay. Here's how to tell which one your quote actually is.

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07

Buying a house while self-employed: a survival guide

Two-year tax returns, business bank statements, add-backs, and profit-and-loss letters. The self-employed mortgage playbook.

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08

Investor loans 101: DSCR, portfolio, and hard money

If your tax returns don't show enough income to buy your next rental, you need a different loan. Here's what's actually available.

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09

The closing process, day by day

From accepted offer to keys in hand. Here's what happens every single day of that 30-day window — so nothing surprises you.

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