WHY THIS MATTERS
Most buyers don’t struggle because they lack options. They struggle because they don’t understand what they can comfortably afford.
When affordability isn’t clear, decisions feel rushed, offers feel risky, and confidence breaks down at the wrong moment. This session helps you understand the full picture — so the choices you make today still feel right later.
WHAT YOU’LL LEARN
- What “affordable” really means beyond loan approval
- How down payment choices impact monthly payment and flexibility
- How debt-to-income ratios affect both qualification and comfort
- Common affordability mistakes that create stress later
- How to evaluate options with confidence before making an offer
WHO SHOULD ATTEND
This webinar is perfect if:
- You’re preparing to buy a home and want clarity on affordability
- You want to understand payment tradeoffs and strategy
- You’ve been researching and feel overwhelmed
- You want clear steps before committing to a purchase
Real estate agents — you can register your buyers, too.
AGENDA (30 minutes)
This session applies to homebuyers preparing to buy — first or next.
- Welcome & Framing (3 minutes)
Why affordability deserves its own conversation — and why approval alone isn’t enough.
- What “Affordable” Really Means (7 minutes)
How payment comfort, down payment, debt, and timelines work together. Why affordability looks different for every buyer.
- Down Payment Strategy & Tradeoffs (7 minutes)
How different down payment choices impact monthly payment, flexibility, and long-term comfort — without defaulting to “more is better.”
- How Lenders Evaluate Affordability (6 minutes)
A clear explanation of debt-to-income ratios, buffers, and how approvals differ from comfort.
- Common Affordability Mistakes to Avoid (4 minutes)
Where buyers unintentionally overextend, hesitate, or delay — and how clarity prevents stress later.
- Putting It Together: Making Decisions Before Pressure (3 minutes)
How understanding affordability early leads to stronger decisions and calmer offers.
- Next Steps & Support (Optional Close – 2 minutes)
How to continue the conversation if you want help applying this to your situation.
MEET YOUR GUIDE
Reg Gustin — Mortgage Guy360 Team at Select Rate Mortgage
NMLS #249410 | Select Rate Mortgage NMLS #2689817
Reg’s mission is simple:
Trusted. Story-Driven. Results.
"We eliminate the noise so you can make confident decisions and move toward your first home with clarity and peace of mind."
FAQ
What if I can’t attend live?
Register anyway — you’ll receive the replay.
Is this a sales pitch?
No. Just real education and real answers.
How much does it cost?
It’s completely free.
Can agents register their buyers?
Absolutely.