The payment behind the payment
Look beyond principal and interest to taxes, insurance, mortgage insurance, HOA dues, and the number that still feels comfortable.
Free Arizona + Colorado homebuyer workshop
Before you scroll listings, build the game plan.
A short, plain-English workshop to help you understand the payment, cash-to-close, possible loan paths, and what to do next—even if buying is months away.
20 minutes$0 to attend0 pressure
“Yes, I know it’s weird to talk on the phone these days. I still think a real conversation is the fastest way to understand your situation—but this workshop gives you a useful starting point first.” — Aaron Brown
Built for renters and first-time buyersArizona + Colorado guidanceNo application requiredStart on your schedule
What you’ll work through
Four decisions. One clearer starting point.
This isn’t a sales presentation or a promise that one loan program works for everyone. It is a practical way to organize the questions that matter before you apply.
Cash-to-close without the guesswork
Separate down payment from closing costs, reserves, and possible seller credits so you know what you are actually planning for.
Which loan paths deserve a look
Understand where conventional, FHA, VA, down payment assistance, and flexible-income programs may—or may not—fit.
Your next 90 days
Turn the numbers into a simple roadmap based on your lease, savings, credit questions, and realistic timing.
A good fit if…
You want answers before you want a sales call.
Your lease is up in the next 3–12 months.
You keep hearing conflicting advice about down payments.
You want to know the difference between your maximum approval and a comfortable payment.
You are a veteran, self-employed, buying again, or simply unsure where to start.
Still deciding?
Start with the free class. Talk when you’re ready.
Register for immediate access, or skip straight to a personal mortgage game plan if you already have a situation you want to discuss.
Educational information only
This workshop provides general educational information. It is not a loan application, preapproval, rate quote, commitment to lend, or financial, tax, or legal advice. Programs, terms, rates, and eligibility requirements are subject to change and borrower and property qualification.