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Learn Before You Borrow

Mortgage guides & scenarios.

Real strategies, real numbers, real programs — not generic advice. Each guide walks through a specific situation so you know exactly what's possible and what to expect. Heavy on the stuff most lenders won't take the time to explain: self-employed income, creative financing, and the programs that actually fit business owners.

Self-Employed

Self-Employed & Business Owner Mortgages

Bank statement loans, 1099 programs, P&L-only qualification, and DSCR. Real options for freelancers, contractors, and owners whose tax returns don't tell the whole story. This is my specialty.

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First-Time Buyers

First-Time Homebuyer Guide

FHA vs. conventional, down payment assistance, credit, and the step-by-step process from pre-approval to keys — plus the common mistakes that trip first-timers up.

Coming soon
Investing

Real Estate Investor Guide

DSCR loans, conventional investment financing, and how to scale a rental portfolio — including no-income-verification options that qualify on the property's cash flow.

Coming soon
Refinancing

Mortgage Refinance Guide

Rate-and-term, cash-out, and when a refi actually saves you money. The break-even math, the real costs, and the mistakes to avoid before you pull the trigger.

Coming soon
Equity

Home Equity & Cash-Out Guide

HELOCs, home equity loans, cash-out refinance, and renovation financing. Which option fits your goal — and when each one actually makes sense.

Coming soon
Reverse

Reverse Mortgage Guide

How a reverse mortgage works for homeowners 62+, what it costs, how it's paid back, and the honest pros and cons — so you or your parents can decide with clear eyes.

Coming soon
Not Sure Where to Start?

Tell me your situation — I'll point you the right way.

No pressure, no obligation. Just a clear picture of your options from a broker who'll actually take the time.

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📞 (770) 401-1759  ·  ✉ gpotz@affinityhomelending.com