The Mortgage Dad

Workbooks, checklists and planning tools that help first-time buyers get organized before they talk to a lender. Educational tools, not loan offers.

First-Time Homebuyer Course Workbook Bundle

First-Time Homebuyer Course Workbook Bundle

The full 8-lesson video course plus the fillable Homebuyer Workbook it's built around. Watch a lesson, then fill in the matching workbook pages.

$45
The Mortgage Dad First-Time Homebuyer Bundle: Fillable Workbook Mortgage Calculator Spreadsheet

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.

$19
Home Buying Without the Headache: A First-Time Buyer Mini-Course from The Mortgage Dad

Home Buying Without the Headache: A First-Time Buyer Mini-Course from The Mortgage Dad

Eight short video lessons that walk first-time buyers through the whole process, from "am I ready?" to closing day, in plain English.

$39
Self-Employed Income Worksheet for Mortgages: Schedule C Average

Self-Employed Income Worksheet for Mortgages: Schedule C Average

Self-employed buyers often find out late that their qualifying income is much lower than what they deposit, because lenders usually start from the…

$12
Property Tax Appeal Kit: Comparable Sales Worksheet & Appeal Letter

Property Tax Appeal Kit: Comparable Sales Worksheet & Appeal Letter

Property taxes are one of the biggest costs of owning a home, and many homeowners never check whether their assessment is fair.

$12
First-Time Homebuyer Workbook (Fillable PDF)

First-Time Homebuyer Workbook (Fillable PDF)

Buying your first home doesn't have to feel like a pop quiz you didn't study for.

$12
Loan Estimate Comparison Worksheet: Compare 3 Offers (Excel)

Loan Estimate Comparison Worksheet: Compare 3 Offers (Excel)

Getting more than one Loan Estimate is one of the simplest ways to make sure you understand your options, but the forms are packed with numbers.

$10
Large Deposit & Gift Funds Log for Mortgage Applications (Excel)

Large Deposit & Gift Funds Log for Mortgage Applications (Excel)

Large deposits are one of the most common reasons a mortgage file slows down.

$10
Home Inspection & Repair Request Planner for Buyers (+ Excel)

Home Inspection & Repair Request Planner for Buyers (+ Excel)

The inspection report arrives and it is 60 pages long. What actually matters, and what should you ask the seller for?

$10
Cash-to-Close Worksheet & Closing Day Checklist (Excel + Printable)

Cash-to-Close Worksheet & Closing Day Checklist (Excel + Printable)

Most buyers know their down payment but get surprised by the full amount they need at closing.

$10
Mortgage Escrow Account Tracker: Excel Escrow Shortage Estimator, Property Tax & Insurance Bill Log Annual Escrow Statement Review

Mortgage Escrow Account Tracker: Excel Escrow Shortage Estimator, Property Tax & Insurance Bill Log Annual Escrow Statement Review

Your mortgage can have a fixed interest rate and your payment can still go up, because property taxes and homeowners insurance change every year.

$9
Debt-to-Income (DTI) Worksheet for Homebuyers: Excel DTI Calculator

Debt-to-Income (DTI) Worksheet for Homebuyers: Excel DTI Calculator

Debt-to-income ratio is one of the first numbers a lender looks at, and most buyers have never calculated their own.

$9
Monthly Budget Planner Spreadsheet: Excel & Google Sheets Printable PDF (Debt Snowball, Sinking Funds, Savings Goals)

Monthly Budget Planner Spreadsheet: Excel & Google Sheets Printable PDF (Debt Snowball, Sinking Funds, Savings Goals)

A budget planner spreadsheet that does the math for you. Enter your numbers once, then each month just type what actually happened.

$9
Home Maintenance Calendar & Checklist: Printable Monthly Homeowner Planner (PDF, US Letter)

Home Maintenance Calendar & Checklist: Printable Monthly Homeowner Planner (PDF, US Letter)

A house needs small jobs on a schedule so it doesn't turn into big repairs.

$9
Refinance Break-Even Calculator: Monthly Savings, Closing Costs & True Break-Even Month (Excel Google Sheets)

Refinance Break-Even Calculator: Monthly Savings, Closing Costs & True Break-Even Month (Excel Google Sheets)

Rates dropped. Should you refinance? The answer depends on how long it takes your monthly savings to pay back your closing costs, and how long you…

$9
Extra Mortgage Payment Calculator: Payoff Date & Interest Saved Spreadsheet (Excel Google Sheets)

Extra Mortgage Payment Calculator: Payoff Date & Interest Saved Spreadsheet (Excel Google Sheets)

What happens if you pay an extra $100 or $200 a month on your mortgage? Or put your tax refund toward principal once a year?

$9
Move-Up Equity Planner: Sell & Buy Calculator for Net Proceeds and Next-Home Budget (Excel/Google Sheets)

Move-Up Equity Planner: Sell & Buy Calculator for Net Proceeds and Next-Home Budget (Excel/Google Sheets)

Thinking about selling your home to buy the next one?

$9
Down Payment Savings Tracker: Excel/Google Sheets Calculator Printable 100-Square Chart for Future Homebuyers

Down Payment Savings Tracker: Excel/Google Sheets Calculator Printable 100-Square Chart for Future Homebuyers

Saving for a house feels endless when you don't know the finish line.

$9
Rent vs. Buy Calculator: Break-Even Year, Monthly Cost & Net Worth Spreadsheet (Google Sheets Excel)

Rent vs. Buy Calculator: Break-Even Year, Monthly Cost & Net Worth Spreadsheet (Google Sheets Excel)

Is buying really cheaper than renting, or does it just feel that way? This spreadsheet lays both paths side by side so you can see the real…

$9
Christmas Gift List & Holiday Budget Tracker Spreadsheet: Gift Tracker, Savings Plan & Spending Log (Google Sheets Excel)

Christmas Gift List & Holiday Budget Tracker Spreadsheet: Gift Tracker, Savings Plan & Spending Log (Google Sheets Excel)

Keep the holidays from showing up on your credit card in January. Set one holiday budget, split it into categories, and track every gift and…

$7
PMI Removal Calculator & Home Equity Tracker: When Can I Drop PMI? (Excel Google Sheets)

PMI Removal Calculator & Home Equity Tracker: When Can I Drop PMI? (Excel Google Sheets)

Paying PMI on a conventional loan? You don't have to pay it forever.

$7
Mortgage Document Checklist & Organizer: What Lenders Ask For, Upload Tracker, Explanation Letter Outline, Folder Labels (Printable PDF)

Mortgage Document Checklist & Organizer: What Lenders Ask For, Upload Tracker, Explanation Letter Outline, Folder Labels (Printable PDF)

"Can you send all pages of that statement again?" Most loan delays come from paperwork, not credit.

$7
Moving Planner for Homebuyers: 8-Week Countdown, Utilities & Change-of-Address Checklist, Packing Inventory (Printable PDF)

Moving Planner for Homebuyers: 8-Week Countdown, Utilities & Change-of-Address Checklist, Packing Inventory (Printable PDF)

You're under contract. Now there's a closing to get to and a whole household to move.

$7
Credit Score 90-Day Tracker: Printable Plan for Future Homebuyers (13-Week Plan, Utilization Worksheet, Dispute Log)

Credit Score 90-Day Tracker: Printable Plan for Future Homebuyers (13-Week Plan, Utilization Worksheet, Dispute Log)

Thinking about buying a home in the next few months? Your credit is one of the first things a lender looks at.

$7
House-Hunting Scorecard: Printable Home Showing Checklist & Comparison Kit (12 pages)

House-Hunting Scorecard: Printable Home Showing Checklist & Comparison Kit (12 pages)

Touring homes is fun until house #4, when every kitchen starts to blur together.

$7
The Real Estate Agent's Playbook: 60 Game-Winning Strategies to Score Big in Real Estate

The Real Estate Agent's Playbook: 60 Game-Winning Strategies to Score Big in Real Estate

60 lead-generation plays organized into four quarters, with steps, sample scripts, follow-up ideas and a simple way to measure results.

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DTI: The Dad to Income Ratio

DTI: The Dad to Income Ratio

A candid look at business, fatherhood, and finding room for the people and moments that make the work worthwhile.

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First-Time Buyer Checklist: Free 2-Page Printable Homebuying Checklist from The Mortgage Dad (PDF)

First-Time Buyer Checklist: Free 2-Page Printable Homebuying Checklist from The Mortgage Dad (PDF)

Buying your first home? Start here. This free 2-page checklist walks you from "getting ready" to keys in hand, in plain English.

Free