Free buyer packet

Walk into your next homebuying conversation prepared

Get one concise packet for comparing a listing, questioning a Loan Estimate, and negotiating an offer. It is free, requires no account, and puts the useful checklist before any partner introduction.

Request optional help No email is required to use or save the packet.

AffordableHome.us worksheet

My offer-readiness packet

Property / ZIP:

Target offer date:

Maximum monthly payment:

Maximum cash to close:

Before I make an offer

Confirm annual property tax from the county.
Get a property-specific insurance quote.
Verify HOA dues, assessments, and restrictions.
Keep emergency reserves outside cash to close.
Review flood, radon, and inspection risks.
Set a walk-away payment and repair amount.

Questions for each lender

What are the rate, APR, points, lender fees, and lock expiration?
Which costs can I shop for, and what changed from the initial estimate?
When can mortgage insurance be removed, and what would removal save?
Show seller-credit and rate-buydown options using the same cash budget.

My negotiation plan

Inspection items to address:

Credit / repair target:

Walk-away condition:

Offer-readiness checklist

Verify property taxes, insurance, HOA dues, repair risk, cash reserves, and the full monthly PITI before deciding what an asking price means for your budget.

Loan Estimate questions

Compare lender fees, discount points, rate-lock terms, prepaid costs, mortgage insurance, and cash to close on the same assumptions—not just the headline rate.

Negotiation prompts

Ask for seller credits, a rate buydown, or repairs with a clear dollar target tied to inspection findings and your monthly-payment ceiling.

Two-minute next step

Want a human-guided next step?

Your packet is ready above. Optionally add your target ZIP, buying timeline, and biggest blocker so we can point you toward the most relevant next step instead of a generic sales sequence.

Email my optional help request Your request goes directly to hello@affordablehome.us. AffordableHome may earn a referral fee only if you later choose an introduced provider; we disclose that before an introduction.

Run the numbers before requesting an introduction

Use the free affordability calculator to set a payment ceiling, or read the closing-cost guide to identify fees worth questioning. These tools do not require an email address.