Homeownership Plan
Navigating homeownership can be overwhelming, but you don't have to do it alone. This plan provides structure and clarity before & after the "Closing Day Photo"
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My Homeownership Plan
My Homeownership Plan
Ready to stop renting and start owning? This form is the first step toward unlocking the door to your new home. My goal is to create a customized Homeownership Plan tailored specifically to your timeline, budget, and lifestyle. Whether you are ready to buy in 3 months or 2 years, we will build a strategy to get you there. Please answer the following questions to get scheduled for your consultation. Your privacy is our priority. All information provided is confidential and will only be used to assist you in your home-owning journey.
Out of State Referral Request
Out of State Referral Request
Partnership Opportunities
Referral Partnership
Referral Partnership
The Homeownership Plan is a 12-month educational roadmap designed to turn renters into prepared, qualified homebuyers. I am looking for like-minded, patient, and educational-focused agents to join my referral network. When my participants are "Lender Ready" and located in your market, I want to ensure I am handing them off to a true professional who will respect the work they have done.
Upcoming Events
FREE First Time Homebuyer Seminar - March 2026
FREE First Time Homebuyer Seminar - March 2026
Unsure about how to navigate the home buying process? Get all of your questions answered at our FREE First-Time Homebuyer Seminar!
FREE Spring Networking Business Mixer
FREE Spring Networking Business Mixer
Come join us at our Spring Business Networking Mixer! ALL INDUSTRIES are welcome!! Secure your spot TODAY!!
Resources
Debt-to-Income (DTI) Ratio Calculator
Debt-to-Income (DTI) Ratio Calculator
Free calculator to find both the front end and back end Debt-to-Income (DTI) ratio for personal finance use. It can also estimate house affordability.
Annual Credit Report.com
Annual Credit Report.com
ACR Home Page
Credit Card Utilization Calculator
Credit Card Utilization Calculator
Our credit utilization calculator quickly determines your ratio of available credit and delivers the next steps to improve your credit score.
APR vs. Interest Rate: What's The Difference?
APR vs. Interest Rate: What's The Difference?
The APR and interest rate on your mortgage aren’t the same. Here’s what to pay attention to when you compare costs.
Mortgage Calculator
Mortgage Calculator
Use our free mortgage calculator to estimate your monthly mortgage payments. Account for interest rates and break down payments in an easy to use amortization schedule.
Amortization Calculator
Amortization Calculator
Amortization is paying off a debt over time in equal installments. Part of each payment goes toward the loan principal, and part goes toward interest.
USDA Property Eligibility Map
USDA Property Eligibility Map
FHFA Conforming Loan Limit Values
FHFA Conforming Loan Limit Values
Fannie Mae and Freddie Mac are restricted by law to purchasing single-family mortgages with origination balances below a specific amount, known as the “conforming loan limit” (CLL) value. Loans above this amount are known as jumbo loans. The national conforming loan limit value for mortgages that finance single-family one-unit properties increased from $33,000 in the early 1970s to $417,000 for 2006-2008, with limit values 50 percent higher for four statutorily-designated high cost areas: Alaska, Hawaii, Guam, and the U.S. Virgin Islands. Since 2008, various legislative acts increased the conforming loan limit values in certain high-cost areas in the United States. While some of the legislative initiatives established temporary limit values for loans originated in select time periods, a permanent formula was established under the Housing and Economic Recovery Act of 2008 (HERA). The 2026 conforming loan limit values have been set under the HERA formula.
Loan Estimate Explainer
Loan Estimate Explainer
A loan estimate is a standard, three-page document from a lender containing details about a mortgage. Here’s what you need to know.
FEMA Flood Map
FEMA Flood Map
Appraisal Gap Clause
Appraisal Gap Clause
If a home's purchase price and appraised price do not align, it can cause problems when it comes time to finalize the sale.
Maryland Homestead Property Tax Credit Program
Maryland Homestead Property Tax Credit Program
An official website of the State of Maryland.
Escrow Cushion
Escrow Cushion
While you’ve likely heard the word, you still might be wondering: “What is mortgage escrow?” Here's what you need to know as a homebuyer.
Closing Disclosure Explainer
Closing Disclosure Explainer
Use this tool to double-check that all the details about your loan are correct on your Closing Disclosure.
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