Four Stages. One Complete Plan.
Start with guided education and estimates. Finish with actual financing and an expert-reviewed homebuying plan.
Stage 1: Understand and Strengthen Your Credit
Learn how credit reporting works, which behaviors influence credit, and what to avoid before applying for a mortgage. No credit report or SSN required—this is pure education.
What You Get
- 14 guided education modules
- Credit myths vs. facts
- Habits checklist
- Knowledge checks
- My Credit Knowledge and Preparation Plan
Stage 2: Does Buying Make Financial Sense?
Compare the projected financial position of renting and buying over time. This is not just rent vs. a mortgage payment—it's a full net-worth comparison with transparent assumptions.
What You Get
- Guided + advanced analysis modes
- 30-year monthly calculation engine
- Buyer and renter ledgers
- California property-tax logic
- Three scenarios
- My Rent vs. Buy Report
Stage 3: Build a Monthly Homeownership Plan
Distinguish what a lender may allow from what fits your actual spending, savings, reserves, and financial goals. Maximum qualification is not the recommended budget.
What You Get
- Life Budget vs. Qualification View
- Conservative, Comfortable & Stretch scenarios
- Cash-to-close planning
- Reserve planning
- My Monthly Homeownership Plan
Stage 4: Complete a Professional Preapproval
Replace estimates with reviewed income, assets, credit, loan options, monthly payments, and cash-to-close figures. Sensitive data stays in the secure loan-origination system.
What You Get
- Secure application handoff
- Reviewed loan scenarios
- Purchase range
- Cash-to-close estimate
- Preapproval-based updates to earlier stages
Your Complete Preparation Plan
All four stages consolidated into one expert-reviewed document with a prioritized action plan, version comparison, and both private and agent-shareable versions.
Build My Preparation Plan