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.
Everything I wish every homebuyer and homeowner knew before signing anything. Written by me, in plain English, updated regularly.
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.
Refinancing only makes sense if the math works. This tool tells you exactly how long until you break even on closing costs.
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.
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.
Half the refis I see quoted online don't actually make sense. Here's the exact break-even framework I use — with real examples.
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.
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.
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.
Two-year tax returns, business bank statements, add-backs, and profit-and-loss letters. The self-employed mortgage playbook.
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.
From accepted offer to keys in hand. Here's what happens every single day of that 30-day window — so nothing surprises you.