THE FIELD GUIDE
Make the complicated
feel a little clearer.
Practical notes for the decisions between finding a home and feeling at home.
FIELD NOTE / 01
The number beyond principal & interest
Build a payment that reflects the home you will actually own.
Read the guide ↗FIELD NOTE / 02Compare the loan, not just the rate
Turn two Loan Estimates into a useful side-by-side decision.
Read the guide ↗FIELD NOTE / 03When does refinancing earn its keep?
Compare the monthly benefit, upfront cost and time horizon.
Read the guide ↗FIELD NOTE / 04Down payment is a cash decision, too
See how cash at closing changes the loan without losing sight of reserves.
Read the guide ↗FIELD NOTE / 05A national rate is a starting point
Use the benchmark for context, then compare an offer built for you.
Read the guide ↗FIELD NOTE / 06One mortgage. A very local cost of ownership.
A practical checklist for comparing homes across U.S. markets.
Read the guide ↗FIELD NOTE / 07Watch the balance fall
Understand what an extra principal payment changes.
Read the guide ↗FIELD NOTE / 08Look at the property’s cash flow
Use DSCR and interest-only math with their limits in view.
Read the guide ↗