FRED CHILTON / FIELD GUIDESFREE TO READ. YOURS TO KEEP.

A good place
to begin.

Buying a home or evaluating a rental? Start with a free workbook: practical worksheets, worked examples, and clear next steps for your decision.

From Fred Chilton
Your mortgage, made understandable.

Sign up with your name and email for the free PDF and Fred’s mortgage tips. Your download appears on the page after your request is accepted. Educational information only — not a rate quote, approval, or commitment to lend.

11-PAGE PDF / WORKSHEETS

01 / BUYING YOUR FIRST HOME

Your first home.

For the home you plan to live in. Build the whole housing payment, keep a cash cushion after closing, and work through the offer-to-closing steps in order.

A worked payment example, plus a worksheet for your full housing budget
A worked cash-to-close example, so you can see what is left afterward
A side-by-side Loan Estimate comparison, points and lender credits included
An offer-to-closing checklist with document, insurance, and wire-safety checks

Get the first-time buyer guide

Your first investment property guide cover

11-PAGE PDF / WORKSHEETS

02 / BUYING A RENTAL PROPERTY

Your first
investment property.

For a property someone else will pay to live in. Verify the rent, count every operating cost once, and see what the plan looks like when the unit sits empty.

A worked cash-flow example from full rent down to the cash actually left
A reserve plan that separates closing funds from cash for repairs and vacancies
A stress test for longer vacancy, lower rent, a first-year repair, and rising taxes or insurance
What rent a lender may count toward approval, which is not always the rent in your budget

Get the investor guide

From worksheet to property