Plain-English PDFs you can keep, print, and fill in with your own numbers. Every guide is free and arrives by email, along with OfferPrep's monthly educational newsletter. Unsubscribe anytime. No credit check, no phone number, and no one will call you.
Each topic guide has its own page with a free article and a short form. Pick the one that fits where you are.
How assistance programs work: grants vs. second loans, income limits, occupancy rules, and a rent-vs-own worksheet.
Get this guideA checklist for any lender plus a worksheet to compare a HELOC, a cash-out refinance, and a home equity loan.
Get this guideFHA 203(k) and HomeStyle paths side by side, plus scoping, bid-comparison, and contingency worksheets.
Get this guideEligibility and the COE, the funding fee and who's exempt, occupancy, reusing the benefit, and a documents checklist.
Get this guideTen short guides for buying, closing, owning, and investing, with a North Carolina focus. One form sends you all ten.
What each payment is, who holds it, when you can get it back, and the NC deadlines that matter.
Get the libraryHow to compare lenders on the same day with the same facts, and what to ask each one.
Get the libraryThe three-page federal form, section by section, and how to line two estimates up.
Get the libraryHow the tradeoff works and a break-even worksheet you fill in with your own numbers.
Get the libraryWhat sellers can contribute toward your costs under each loan program, and how to ask.
Get the libraryWhat each letter means, what it checks, and which one sellers expect.
Get the libraryThe typical line items in a North Carolina purchase and who usually pays them.
Get the libraryThe moves that can delay or derail a closing, from new credit to job changes.
Get the libraryRecords to keep, the first payment, escrow, homestead and tax items, and scam warnings.
Get the libraryHow debt-service-coverage loans qualify a rental on its income, and the questions to ask.
Get the libraryOne email, ten PDFs: due diligence and earnest money, shopping for a mortgage, reading a Loan Estimate, lender credits and points, seller concessions, prequalified vs. preapproved, NC closing costs, contract-to-closing dos and don'ts, the first 30 days after closing, and the DSCR investor guide.
Prefer to read first? Browse the free articles.
When you're ready, compare Loan Estimates from two or three licensed lenders you choose. You can check any lender's license at nmlsconsumeraccess.org. A HUD-approved housing counselor is a free, no-sales option.