The Mortgage Dad First-Time Homebuyer Bundle: Fillable Workbook + Mortgage Calculator Spreadsheet

Buying your first home is a lot of numbers. This bundle gives you a plan to follow and a calculator to run them, in plain English.

Part 1: The First-Time Homebuyer Workbook (49-page fillable PDF)

Step-by-step checklists and worksheets that take you from renting to keys in hand: your budget, credit, savings plan, loan types, house hunting, the offer, and closing day. Type right into it or print it.

Part 2: The Homebuyer Calculator (Excel and Google Sheets)

Type your numbers into the yellow cells and everything else updates:

• Monthly Payment: principal and interest, taxes, insurance, PMI and HOA (PITI). You set the rate, taxes and insurance.

• Closing Costs & Cash to Close: lender and title fees, prepaids, escrow, and credits, ending in the cash you'll need at the table.

• Affordability by DTI: the price range your income supports at front-end and back-end debt-to-income limits, plus a check for any specific house.

• Rent vs Buy: a 10-year, year-by-year comparison with equity, appreciation, selling costs, and the investment growth you give up.

• Loan Compare: put up to 3 Loan Estimates side by side to compare payment, upfront cost, and total cost over the years you'll keep the loan.

Made by Aaron Clark, a licensed mortgage loan officer and dad in Wichita, Kansas who helps first-time buyers.

Instant download. This is a digital product; nothing will be shipped. The PDF opens in Adobe Acrobat Reader (free) or Preview. To use the spreadsheet in Google Sheets, upload it to Google Drive and open it with Sheets.

· (316) 573-3996 · tmdhomeloans.com

Estimates only. For educational purposes. This is not financial advice, a loan offer, a commitment to lend, a loan approval, or a rate quote. All loans are subject to credit approval, verification, appraisal and underwriting guidelines. www.nmlsconsumeraccess.org. Equal Housing Opportunity.