FREE RESOURCES
Here are a number of helpful resources for future home owners!
Conventional Amortization Schedule
Amortization Schedule-- Conventional-with DTI Calculator
FHA Amortization Schedule
Amortization Schedule - FHA - with DTI calculator
Debt Settlement, Deletion, Disputes Comparison Guide
Here is a guide to evaluate Debt Settlement + Deletion, Settlement Only, and Disputes
Credit-Building Retailers & Providers
Up to Date List of Credit-Building Retailers & Providers
How to Negotiate a Settlement
Step by Step Guide to Settlement Negotiation
Income Calculation Worksheet
Here is a worksheet to help you calculate total borrower income
Master Credit-Building Vendors (Retailers + Fintech Programs)
Here is a list of Credit-Building Vendors, Retailers + Fintech Programs
Guide to Mortgage Documents
Here is a Master Guide to All Acceptable and Required Mortgage Documents
Simple Guide to Mortgage Rates
This is a simple guide to understanding mortgage rates
Master Guide to Mortgage Rates
This is a comprehensive guide to understanding how mortgage rates work.
Pay for Delete Letter Template
This is a template "Pay for Delete" Letter
Guide to "Reasons" vs "Excuses"
This is a guide to understanding "Reasons" vs "Excuses"
Steps to Home Ownership
This is a helpful step by step guide detailing the process of home ownership.
Top "No-Check" Credit Builders 2025
This is a guide to the top Vendors who will build your credit without checking your credit first (ie. credit hit)
