Learn your numbers, your market and your next move.
Your starting point
Write down your comfortable monthly housing budget, your preferred areas and your move timeline. Keep these separate from a lender qualification decision.
Your next action: Save your Home Options below.
Your secure application and credit review
Use the secure lending application. Complete the lender credit authorization there. Ask the licensed team which credit inquiry will be used before authorizing it. Keep financial documents and report details in the lending portal.
Your next action: Start your application, then report submission. Your team verifies receipt.
Understand the full payment
Compare the stated loan payment with property taxes, homeowners insurance, mortgage insurance and association dues. Ask which expenses are included in each estimate and which are separate.
Your next action: Use the MITM payment breakdown and write down questions for your review.
Learn your market
Choose an area and compare current homes. Record asking prices, price changes and days on market when available. Asking prices are not completed sale prices, and a listing is not a loan approval.
Your next action: Save homes you want to discuss with your team.
Compare your financing paths
Bring questions about down payment assistance, upfront costs, rate buydowns and reserves to the licensed team. Ask for current written terms and side by side costs using the same assumptions.
Your next action: Choose the options to review at your appointment.
Build your next steps
Review your personal credit and savings actions with the team. Set a next review date and keep your Home Options updated as your plans change.
Your next action: Open your private credit plan and record your next review date.
Home Selling 101
Understand your choices before making a move.
Your reason and timing
Write down your preferred moving date, the condition of the home and the outcome that matters most to you. Bring this to your real estate strategy review.
Your next action: Make a list of your priorities.
Compare estimated net proceeds
Ask for a written comparison of selling paths using the same payoff, repair, fee and closing cost assumptions. Compare estimated proceeds along with timing and contingencies.
Your next action: Request a net proceeds comparison from your broker.
Read your local market
Review recent comparable sales, current competition and property condition with your licensed professional. Separate verified facts from estimates.
Your next action: Bring questions about local buyer demand to your strategy review.
Home Investing 101
Learn to examine an opportunity before committing.
Choose your purpose
Write down your intended holding period, available time and risk limits. Discuss ownership and financing choices with the appropriate licensed professionals.
Your next action: Define the questions an investment must answer for you.
Look beyond gross rent
Prepare a worksheet for income, financing, vacancy, maintenance, insurance, taxes, association dues and management. Label every input as verified or an assumption.
Your next action: Review your assumptions with your team.
Verify before you commit
Confirm property condition, rental restrictions, zoning, association rules and financing terms through the appropriate sources. Estimates and projected returns are not guarantees.
Your next action: Create a property due diligence list.
These introductory lessons are education. They do not issue a license, loan approval or certification.
Home Buying Inner Circle
Learn with other homebuyers and stay connected as your market changes. Your private credit information stays with your team.
An invitation request does not start a subscription or share your private plan with the group.