In This Course You Will Learn :

• How Mortgage Markets Work To Negotiate Your Best Loan Terms

• How To Compare & HIRE The Right Loan Officer

• Why What You "Qualify For" VS. "Can Afford To Pay" Matters

• How To Save Time & Energy In The Application Process

Watch this video above.

What Does The Borrow Savvy Program Include?

20+ Years

HELPING HOMEOWNERS

3,000+

LOANS SECURED

Are you wanting to buy a home but nervous about applying for a mortgage?

We get it. You're dealing with...

Confusing Terminology.

The world of mortgages is filled with lenders that use confusing jargon and processes, which make it difficult to know exactly what you're getting into (or who to trust). We’re expected to know what everything means when applying for a mortgage and it can feel intimidating to ask questions.

Unique or Imperfect Finances

You're worried about resurfacing past issues like bad credit or debt, and the impact of life events to your finances. For example, planning a wedding, dealing with existing car payments or residual loans that make it easy to conclude it’s not the best time to move forward with buying a house.

Uncertainty About Being Able to Afford Payments

Even if you do qualify, you want to be sure you can pay it month to month confidently and with peace of mind.

You shouldn't feel confused about ANYTHING when it comes to borrowing a large amount of money that needs to be repaid.

You just need to understand & realize your own buying power, or how much you can afford monthly for a house payment, so you can have the upper hand when talking to mortgage lenders, brokers and banks.

That’s why we created Borrow Savvy

Borrow Savvy is a complete online course that simplifies the entire process of applying for and qualifying for a home loan - from understanding credit scores and how debt impacts your application to calculating your affordability and guaranteeing you have enough cash flow for your mortgage.

No matter what your financial situation is,

Borrow Savvy will guide you step by step in determining your affordability so you can buy your next home with confidence and peace of mind.

Truc B.

SAN JOSE, U.S.

My husband and I are now first time homeowners! All thanks to the help of Mike and his team :) During that time, we had a lot going on with our finances due to a wedding, existing car payments, and residual loans so we concluded it wasn't the best time to move forward with a mortgage. Mike and his team never made us feel as if we wasted their time but instead gave us solutions to increase our affordability as well as a budgeting worksheet to help us get on track.

Scott S.

Washington, U.S

I had the opportunity to get some one-on-one coaching from Mike while obtaining a mortgage for a home I recently purchased. Mike's advice gave me the confidence I needed to negotiate the interest rate on my loan. His tips took the stress out of the process and allowed me to negotiate a much better interest rate that will save me tens of thousands of dollars on the cost of my loan! Based on my experience working with Mike, I think his 'Borrow Savvy' course will be a terrific asset to anyone interested in obtaining a mortgage!

WHAT'S INCLUDED?

15+ Video Training Modules

Checklist of Lender Requirements

Budget Analysis & Affordability Spreadsheet

Qualifying Questions to Ask Lenders

Mortgage Lingo Glossary

Quick Payment Calculation Form

FULL COURSE CURRICULUM

15+ video training modules to guide you through every step of the process - before, during and after - in qualifying for a home loan.

MODULE 1: Quick Start & Course Summary

This section will provide a high level view of all the content we will cover within the course. You will learn about the instructors qualifications and begin learning about the mortgage process. You'll begin to understand the impact of investing vs. renting.

You will receive forms that were created and refined over 20+ years to assist you in your personal analysis and loan shopping process.Est. Value: $375+

Est. Value: $375+

MODULE 2: De-Mystify The Home Loan Process

Here you will understand common "Mortgage Lingo" and phrases. You will learn what paperwork is required to get Pre-Approved and get a primer on how mortgage rates work.

We will provide you with a glossary of mortgage and real estate terms and get a peek at some of the forms we will provide after we've trained you on them. We will also provide you with a checklist of things you need to compile for your lender.

Est. Value: $180

MODULE 3: Budget - What Can I Afford?

In this section you will get some homework. Only you know what you can truly afford to repay every month. We will not let you go off a "GUT" feeling when it comes to this part. We will help you understand what you can "Qualify" for but knowing what your maximum spending budget is THE MOST IMPORTANT THING.

With the BUDGET EXCERCISE we offer, you'll be able to take inventory of your current spending habits and define for yourself your "Comfort Number". We will show you how to set up your "House Payment" savings goal so you can get on the house payment budget before you sign on the dotted line.Est. Value: $240

Est. Value: $240

MODULE 4: Credit

This section will break down the basics of credit and provide you with an understanding of the credit bureaus and scoring models. You will learn the key components of your credit report and what you need to do to maintain the best possible credit scores.

We will provide resources for you too gather your own information prior to starting an application and you will also receive a schedule of debt so we can make sure all of your debt is looked at transparently in the evaluation of your home loan.Est. Value: $240

Est. Value: $240

MODULE 5: Income

In this section we will begin explaining how your income will be analyzed by the Loan Underwriter. These calculations are quite complex so we will show you how to put your best foot forward. Your income as determined by a loan underwriter will determine the loan amount you are able to borrow. We will provide some income calculation forms and begin Assembling income figures that will be used later on our “Quick Payment” form.

Est. Value: $240

MODULE 6: Down Payment / Assets

In this section we will discuss the acceptable sources of down payment as well as what is required to document these funds. A paper trail is required and all large deposits must be addressed. This can be tedious so we will show you how to simplify as much as possible to save you time and headaches.

With our proprietary WAWA form you will summarize your assets and advise the lender what funds will be used. This step is critical to avoiding last minute headaches. You will also learn what is required for getting a family gift for the down payment. This will also be critical for a jumbo loan to assess qualification and reserves required.

Est. Value: $280

MODULE 7: Debt - What Is The Impact

For every $100 in monthly payment debt eliminated your borrowing power increases by $15,000. This means eliminating a $300 car payment increases your borrowing power approximately $45,000.

In this section, you will learn what options you have to eliminate or resolve debt prior to applying for or closing on your home. You will also learn the differences between all types of credit accounts and what documents are required if any to validate these debts and payments. By completing our schedule of debt we can assess if paying off debt helps improve borrowing power.

Est. Value: $240

MODULE 8: Putting It All Together

Now that we have gone through much of the basics this is where we pull it all together. By using our quick payment form you will quickly see what you can qualify for and what initial choices you may have. We will put income, debts and proposed house payments together for the first time.We will also provide insights on how to interview and choose the right loan officer and real estate agent for you. With our quick payment form you will be able to determine, at a glance, what your maximum debt payment can be and also provides house payment calculations so you can line the two up together.

Est. Value: $360

MODULE 9: Behind The Curtain - Role Reversal

In this section you will learn how loan officers, interest rates, and the application process work. You will know how to read a loan estimate and get familiar with what closing costs are. We will also teach you how to negotiate your best rates so you can walk into the application with confidence knowing the outcome.

We will provide our pre-approval profile so you can get accurate rate quotes without having multiple lenders pull your credit. This will save you tons of marketing solicitation sales calls after your credit report is pulled.

Est. Value: $240

MODULE 10: Pre-Approval

As you begin writing offers, the pre-approval is going to be paramount and integrate with your real estate agent and your offer contract. The sellers real estate agent is going to scrutinize your offer to make sure that you will be able to close once they accept your offer. You will have to work hand in hand with your loan officer and real estate agent to put your best foot forward.

In this section we will summarize the different types of loan pre-approval and what would be best for you. We will discuss the details of the loan application, loan disclosures and the technology that you will need to become familiar with.

Est. Value: $180

MODULE 11: The Team

Now that you are pre-approved it's time to start thinking about shopping for a home. In this section we will summarize the players involved and some of the choices you will have to make. You will interview a few people and will ultimately have to hire someone to represent you on the loan and real estate side. We will help guide you through the decision process.

With all the people involved in helping you buy your home, some you will get to know very well and some you will not meet at all. It's important that you trust and have rapport with a professional who has your best interests at heart. We will provide a few checklists and glossaries itemizing who these people are and what their typical roles are.

Est. Value: $240

MODULE 12: The Contract

The contract is a legal binding document and needs to be cared for as such. Although contracts can vary by county and state, we will share with you the most important things a lender wants to see and things they do not want to see.

It is the real estate agents obligation to discuss every detail with you and we will provide context as to how the contract relates to the loan. We will help itemize where lending and real estate overlap so you know who to call for what.

Est. Value: $360

MODULE 13: What Can Go Wrong??

Murphy's law. Cause & effect. Speak of the devil the devil appears. This is a very important subject so we do want to share with you some of the common mistakes where common sense is not applied. We will explain importance of working with professionals and things you do not want to do. Through the different elements of pre-approval, the contract inspections and application processing we will give you some real life examples of mistakes & errors where some home buyers made things hard for themselves. A wise man learns from the mistakes of others.

Est. Value: $360

MODULE 14: Financial Literacy 101

In this section we will start discussing some of the more complex case by case questions that come up throughout the application and closing process. Many topics - like tax brackets, deductions, exemptions, 1040 tax returns, etc. - are never discussed during the typical loan process and are unknown for most first time buyers.

Understanding how these things affect budget and the ultimate purchase price of your home will help maximize your buying power without going over budget.

Est. Value: $240

MODULE 15: Conclusion & Guarantee

Armed with knowledge, you are ready to start shopping for a home loan. The advise and guidance within this course is designed to save time and MONEY. We are confident that you will saves several hundeds if not thousands of dollars by knowing how to shop and compare loans and mortgage Loan Officers.

We will recap the forms that you are taking with you so you know how to adjust moving forward. We will also have some fun with a Q&A session including the most common questions we get from our 20+ years of helping homeowners.

Est. Value: $180

Total Estimated Value: $3,739

Get Access Today For Just: $3,739 $1,869 $197

* LIMITED TIME OFFER: Price goes up May 1st, 2024! *

You don’t need to navigate through this complicated process alone.

Borrow Savvy will save you upwards of several thousands of dollars and YEARS of stress in trying to figure this out on your own.

What Does The Borrow Savvy Program Include?

Meet Your Instructor

Michael Aning

I know what it's like to start this journey of buying a home on your own and feeling lost or alone in this process. If you are uncertain, you are unprotected and you leave EVERYTHING exposed.

Unlike other mortgage lenders, we care about helping you identify what you can AFFORD to repay - not just what you can "qualify" for.

That's why for over 20 years, I've helped thousands of homeowners understand the full scope of their financial situation to avoid making costly mistakes or being taken advantage of by lenders.

It's my mission to empower you with this knowledge so that you know exactly what options are best and you can make better decisions for your you & family's future.

The Borrow Savvy program will give you everything you need to go through this process from a a position of advantage so you buy your next home with peace of mind.