Free Downloads

Home Buyer's e-book:
Do you feel overwhelmed at how much there is to know about the home buying process?  This e-book is designed to answer as many of your questions as possible - before they come up, to help provide a satisfying experience as you take this important step.
Click here to download the free e-book (PDF)


Sample Custom Debt Elimination Plan
As a debt counselor, I learned some simple principles that can be used to put together custom debt elmination plans for my clients based on proven debt elimination methods.  (Some know it as the "snowball" method, others call it the the "debt roll-down" method.  This method, by any name, continues to be the recommended method by nearly every expert.)  Click below to view a sample plan. These debt plans may include a mortgage refinance, but in some cases you can take care of the debt quickly without paying for a refinance - and as always, the advice and the debt plan are completely free. 
Click here to download the sample debt elimination plan (PDF)


Do-It-Yourself Debt Elimination Workbook
Although our precise debt elimination plans are completely free, we recognize that some people would rather take the do-it-yourself approach.  We have created a simple work-book that will walk you through the steps of modifying your budget, prioritizing your debts, and estimating your debt free date. 
Click here to download the free workbook (PDF)


 Written Good Faith Estimate Gurantee
Finally, there is a loan officer who will stand behind his quotes with a written gurantee!  Please download this form to read the terms of my "to the penny" guarantee.
Click here to download the details of my "to the penny" gurantee (PDF)