Fully built to-do list — never guess what to do next
Without a solid plan, buying a home is stressful. So many moving pieces, people to contact, and things to do. Your Planner includes a fully built home buying to-do list. Everything from figuring out your home buying budget to changing the battery in your smoke detectors once you move in is covered.
The built-in calendar keeps track of your most important contract deadlines. Staying on-top of these dates when you're under contract help you:
- Pay earnest money on time to keep the deal alive
- Understand when the appraisal is happening and when the report is due
- Make sure you close on time while following loan disclosure waiting periods
Quickly find the lowest-cost loan
After you shop for lenders, you'll get multiple quotes and then have the daunting task of figuring out which one is right for you...
The Lowest Cost Loan Calculator will take your quotes and tell you which is the cheapest and by how much.
It's like everyone forgot to tell you about the costs of home ownership! Your Planner auto-calculates monthly utilities and maintenance costs based on national averages so you can make sure you're comfortable with the total costs of owning a home, not just the payment to the bank.
Feel confident in your closing costs
You're going to get a handful of documents from your lender. So many that it's difficult to compare what changed between Loan Estimate #4 and Closing Disclosure #2. Your Planner includes a Loan Estimate vs Closing Disclosure Analyzer that finds changes in costs between documents. That way you can protect yourself and have peace of mind about the costs of buying.
Spot repair issues before they become your issue
Too many buyers go under contract on a home only to find out the appraiser has flagged issues left and right requiring thousands of dollars in repairs. Your Planner includes checklists for each loan type to help you understand what an appraiser may look for when appraising your home.
Use the formulas loan officers use
Debt-to-income math is boring and complex. But it's what lenders use to determine your maximum purchase price. How lenders find how much they'll afford you is no longer a secret with this calculator.
All you have to do is put in your income and monthly debts and it will use the same formulas loan officers use to calculate your maximum debt to income ratio. This helps you understand how a lender chooses the max loan they'll give you so you can understand what you could be approved for.
Pre-written texts and emails to send to your agent
Talking to any professional person is tough, especially when you want to appear confident so others don't take advantage of you. In the to-dos section, there will always be text and email templates you can send to your agent or loan officer. Just copy and paste and you'll look like a pro.
Secure and private, use it forever
Your planner is built on 2 different softwares:
Basecamp manages your To-Dos, Scheduler, Notes, and Documents and boasts bank-level encryption on all your data. After we set up your planner in Basecamp and pack it full of info, we will remove ourselves from your account. This means we cannot see any of your data.
Google Sheets hosts the Calculators and Analyzers. We require that you duplicate the Sheets we give you into your own Google account (don't worry, there are tutorials). This ensures we have zero access to your data.