Mortgage is the Vehicle. Wealth is the Destination

First Name *

Last Name *

Email *

Phone *

D - DISCOVER Where You Are

Let's begin by understanding where you are in your homeownership journey

I'm dreaming about homeownership but haven't started planning yet

I'm actively saving for my first home purchase

I'm ready to buy and looking at properties

I already own my home

I own multiple properties

What's your main financial goal right now? *

Buying my first home

Finding ways to make my housing more affordable

Building more value in my current home

Buying additional properties beyond my current home

Growing my existing real estate investments

How comfortable are you with understanding home loans? *

Completely new to this - I don't understand much yet

I know the basics about mortgages

I understand different types of loans like FHA, VA, or conventional

I'm confident about financing and loan strategies

I regularly use creative financing in my property purchases

R - READINESS For The Journey

Now, let's assess your financial readiness for the next step in your journey.

How steady is your income? *

It varies a lot from month to month

It's somewhat unpredictable

It's generally stable but I haven't been at my job very long

I have a steady job with a good history

I have very reliable income from multiple sources

If you had an unexpected expense, how would you handle it? *

I would struggle to cover any surprise expenses

I have enough savings to cover a few small emergencies

I have 3 months of living expenses saved

I have 6 months of living expenses saved

I have more than 6 months of living expenses saved

How do you feel about taking financial risks? *

I avoid risk whenever possible - safety first!

I'm cautious and prefer secure options

I'm comfortable with some risk if it's balanced with security

I'm willing to take calculated risks for better results

I actively seek opportunities even if they involve greater risk

I - INCOME Analysis

Understanding your income structure helps determine the best mortgage strategies or your situation.

After paying all your monthly bills, how much of your income is left over? *

I often run short before the next paycheck

I have just enough to get by each month

I have a little extra to save or spend

I can comfortably save 10-20% of my income

I save or invest more than 20% of my income

How much of your monthly income goes toward housing (rent or mortgage)? *

Which best describes how you earn money? *

Regular paycheck from one job

Income from multiple jobs

Self-employed or business owner

Mix of job income and side business/freelance work

Significant income from investments or rental properties

V - VISION For Your Destination

Your vision for the future shapes the mortgage strategy that will work best for you.

When do you hope to achieve your main financial goals? *

How important is owning multiple properties to you? *

Not important - I just want my own home

Somewhat important - I might buy a second property someday

Important - I plan to own a few properties eventually

Very important - I want to build a portfolio of properties

Essential - Real estate is the foundation of my wealth plan

Which approach to building wealth through real estate interests you most? *

Buying a home, paying it off, and enjoying the stability

Living in part of a property while renting out other parts

Using one property to help buy the next, then the next

Buying properties specifically to generate rental income

Using home equity to fuel other investments

E - EQUITY & Savings

Let's assess your savings position and equity-building potential for moving forward.

How much have you saved specifically for a down payment? *

Nothing yet - I'm just starting to save

Enough for a 3-5% down payment on a home in my area

Enough for a 5-10% down payment on a home in my area

Enough for a 10-20% down payment on a home in my area

More than 20% down payment

Beyond your down payment savings, do you have additional emergency funds? *

No additional savings beyond my down payment

A small emergency fund (less than one month of expenses)

1-3 months of expenses saved

3-6 months of expenses saved

More than 6 months of expenses saved

How would you describe your credit situation? *

I don't know my credit score

I have challenges with my credit (score below 620)

My credit is okay but could be better (score 620-699)

My credit is good (score 700-749)

My credit is excellent (score 750+)