Qualify Smarter: From Renter to Homeowner, the Smarter Way

Know Your Numbers and Know the Math Before You Buy Your First Home.

Get all 5 lessons for $199, or start with the lesson you need most. Short videos, each just a few minutes. Watch on your phone, with lifetime access.

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Get the Complete Course: From Renting to Keys

All 5 lessons + 2 bonuses

Qualify Smarter: The Full Course

  • Lesson 1: Know Your Real House Payment
  • Lesson 2: Know Your Real Numbers (includes a bonus video)
  • Lesson 3: Know the Math
  • Lesson 4: Qualify for More
  • Lesson 5: Your Road Map to the Keys
  • Bonus 1: The Know Your Numbers Workbook$27 value
  • Bonus 2: Words to Know: mortgage and real estate words, in plain English$17 value
  • Lifetime accessIncluded
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"He genuinely wants you to understand your options and feel confident in your decisions." Jyll R.

Yes! Show Me the Math Before I Buy

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Wherever you live, this is for you. The education works the same in every state. If a rule changes by state, I'll show you how to check yours.

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The 5 Lessons

Lesson 1Know Your Real House Payment

Why Most First-Time Buyers Start Backwards, and How to Know Your Real House Payment Before You Look at a Single Home

  • See all 7 steps to buying a home, in the right order. Shop last, not first.
  • Estimate your full house payment for any price, before you fall in love with a home.
  • Learn the 2 numbers to know before you look at a single home.
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Lesson 2Know Your Real Numbers

The Credit Score in Your Bank App Isn't the One Lenders Use. Know Your Real Numbers Before a Lower Score Costs You $49,800

  • Find out which of your 3 mortgage credit scores a lender really uses.
  • Pull all 3 yourself, step by step, without hurting your scores. Includes a bonus video.
  • See why 739 vs. 740 can change your rate for the life of your loan.
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Lesson 3Know the Math

How a $542 Car Payment Can Cost You $90,400 of Home: Know the Math Before It's Too Late

  • Figure your own debt-to-income ratio, and the most your house payment can be.
  • See why every $6 a month you pay on other debt can cost you about $1,000 of home.
  • Learn the little-known rule that helped a buyer qualify for about $90,000 more home, for $2,710.
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Lesson 4Qualify for More

How to Qualify for More Home Without Earning More Money, or Spending Money You Can't Get Back

  • Know which debt to pay off first, to get the most home for the fewest dollars.
  • Figure the cash you'll need, and why your first house payment works differently than rent.
  • Learn why 1 point does not lower your rate by 1%, and do the math before you pay for one.
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Lesson 5Your Road Map to the Keys

Why Rushed Buyers Are 3 Times More Likely to Regret Their Home, and the Road Map That Helps You Avoid Costly Mistakes You Can't Undo

  • Make your game plan, and pick your top house payment.
  • Learn how your agent may help pay part of your closing costs, and when to ask.
  • Know every step from apply to keys, plus the 2 surprises that show up after closing.
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The 2 bonuses come with the full course only. Buying one lesson? You write on paper using the fill-in boxes on screen. See the full course