The Mortgage Is Not the Plan

A Loan Officer's 9-Question Framework for Smarter Mortgage Decisions, Real Estate Strategy, and Long-Term Wealth

Most books about mortgages end at the closing table. This one starts there. Almost nobody is ever told that a mortgage can have a strategy — only what they qualify for and what the rate is. This book is the conversation that doesn't happen: nine questions, asked in order, covering what a loan actually costs over the years you hold it, why the lowest payment is often the most expensive loan you will own, what your equity is for, when paying off the mortgage is right and when it is the worst use of the money, and whether the whole arrangement survives a bad year.

16 chapters
Paperback & Kindle
8 companion worksheets

Reader worksheets

The eight fillable worksheets referenced throughout the book. Type directly into them, save, and bring them to whoever is handling your loan. Included with your copy — nothing to sign up for, and nothing is collected.

The figures in these worksheets are illustrative and educational. They aren't a loan approval, a quote, or a promise of terms — confirm your own numbers with the person handling your loan.