Whether you came from the book or discovered this website online, these free resources are here to help. Download the printable checklists, use the homebuying calculators, and when you're ready, schedule a conversation so we can review your numbers and create a financing plan that's personalized to you.
Thanks for purchasing the book. Here’s your exclusive access:Printable Checklists - Pre-Approval Checklist - Home Search Checklist - Offer & Negotiation Checklist - Inspection & Closing Checklist - Moving ChecklistCalculators - Debt-to-Income (DTI) Calculator - Rent vs. Own CalculatorDownload everything below and use the tools as you move through the process. When you’re ready to look at real numbers, get pre-approved, or just want a second set of eyes on your situation, I’d love to help as your loan officer.Most first-time buyers I work with start with a quick 15-minute call so we can map out what’s realistic and what the next steps should be.Click below to grab your tools, and when you’re ready, schedule a call with me.Looking forward to helping you get into your very first home.Ty Youngblood Mortgage Professional & Author
Ty Youngblood Mortgage Professional & Author | NMLS #25168825+ years in mortgage lending, backed by 15+ years in finance and sales. Helping first-time buyers go from "where do I even start?" to holding their new keys.I wrote this book because I kept watching good people get talked out of their first home by confusing paperwork and bad advice. You deserve a clear, honest roadmap. No jargon, no pressure, just the truth about what it actually takes to buy your first house.
WHAT READERS ARE SAYING
Real Stories From Real Buyers
★ ★ ★ ★ ★"Wish I'd had this book before buying my first house." - Judy Corpus Christi, TX
★ ★ ★ ★ ★"My Realtor recommended this." - Jose League City, TX
★ ★ ★ ★ ★"This book explains mortgages better than my lender did." - Eddie Dallas, TX
YOUR BONUS CHECKLISTS
Thank You for Reading!
Wow, you actually finished the book! Seriously, thank you! It means a lot that you'd spend your time reading it, and I hope it made the home buying process feel a little less overwhelming. As promised, your bonus checklists and calculators are right here, ready whenever you need them.Just fill out the short form below and I’ll send everything straight to your inbox.
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Contact
Let's Talk About Your Home Purchase
The fastest way to get real answers is to call or text me directly. If you'd rather send a note first, fill out the form below and I'll get back to you personally! No bots, no call centers.Bought the book on Amazon? Drop your order number below so I can send you a personal thank-you.
Use these free tools to get a quick estimate before you talk numbers. The Rent vs. Own calculator shows how buying compares to renting over time, and the Debt-to-Income calculator gives lenders' favorite ratio a quick check.These are simple estimates only. Call or text Ty at 832-248-9777 for an official pre-approval based on your real numbers.
These results are estimates only and are not a loan offer. Call or text Ty at 832-248-9777 for an official pre-approval based on your full financial picture.
var NL_OPEN = String.fromCharCode(60)+'strong>'; var NL_CLOSE = String.fromCharCode(60)+'/strong>'; var NL_BR = String.fromCharCode(60)+'br>'; (function(){ var tabRent = document.getElementById('tyTabRent'); var tabDti = document.getElementById('tyTabDti'); var panelRent = document.getElementById('tyPanelRent'); var panelDti = document.getElementById('tyPanelDti'); tabRent.addEventListener('click', function(){ tabRent.classList.add('active'); tabDti.classList.remove('active'); panelRent.classList.add('active'); panelDti.classList.remove('active'); }); tabDti.addEventListener('click', function(){ tabDti.classList.add('active'); tabRent.classList.remove('active'); panelDti.classList.add('active'); panelRent.classList.remove('active'); }); document.getElementById('tyCalcRentBtn').addEventListener('click', function(){ var rent = parseFloat(document.getElementById('tyRent').value) || 0; var price = parseFloat(document.getElementById('tyPrice').value) || 0; var downPct = parseFloat(document.getElementById('tyDown').value) || 0; var rate = parseFloat(document.getElementById('tyRate').value) || 0; var term = parseFloat(document.getElementById('tyTerm').value) || 30; var taxInsPct = parseFloat(document.getElementById('tyTaxIns').value) || 0; var loanAmt = price * (1 - downPct/100); var monthlyRate = (rate/100)/12; var n = term*12; var pAndI = monthlyRate === 0 ? loanAmt/n : loanAmt * (monthlyRate * Math.pow(1+monthlyRate,n)) / (Math.pow(1+monthlyRate,n)-1); var taxIns = (price * (taxInsPct/100))/12; var totalMonthly = pAndI + taxIns; var diff = totalMonthly - rent; var html = ''+NL_OPEN+'Estimated Monthly Payment (P&I + Tax/Insurance):'+NL_CLOSE+' $' + totalMonthly.toFixed(0) + ' '+NL_BR+''; html += ''+NL_OPEN+'Monthly Rent:'+NL_CLOSE+' $' + rent.toFixed(0) + ' '+NL_BR+''; if (diff > 0) { html += 'Owning is estimated to cost about $' + diff.toFixed(0) + ' more per month than renting.'; } else { html += 'Owning is estimated to cost about $' + Math.abs(diff).toFixed(0) + ' less per month than renting.'; } document.getElementById('tyRentResult').innerHTML = html; }); document.getElementById('tyCalcDtiBtn').addEventListener('click', function(){ var income = parseFloat(document.getElementById('tyIncome').value) || 0; var housing = parseFloat(document.getElementById('tyHousing').value) || 0; var debts = parseFloat(document.getElementById('tyDebts').value) || 0; var frontEnd = income > 0 ? (housing/income)*100 : 0; var backEnd = income > 0 ? ((housing+debts)/income)*100 : 0; var msg; if (backEnd <= 36) { msg = 'This is generally considered a strong DTI for most loan programs.'; } else if (backEnd <= 43) { msg = 'This is within range for many conventional loan programs.'; } else { msg = 'This is above typical conventional limits, but some loan programs allow higher DTIs — worth a conversation.'; } var html = ''+NL_OPEN+'Housing (Front-End) Ratio:'+NL_CLOSE+' ' + frontEnd.toFixed(1) + '%'+NL_BR+''; html += ''+NL_OPEN+'Total (Back-End) Ratio:'+NL_CLOSE+' ' + backEnd.toFixed(1) + '%'+NL_BR+''; html += msg; document.getElementById('tyDtiResult').innerHTML = html; }); })();
Payment & Closing Costs Calculator
Two more free tools: estimate your monthly payment or your cash needed to close.
These are simple, generic estimates only — not final figures, a quote, or a loan offer. Actual payments and costs vary by loan program, credit, and lender. Call or text Ty at 832-248-9777 for exact figures and to see which loan programs you qualify for.
