Mortgage Mentor

We learned this the hard way

We’re not real estate agents. We’re just people who moved a lot, bought and sold homes, and made plenty of expensive mistakes along the way.

Between the two of us, we’ve rented more than 20 apartments and bought and sold 10 houses and condos across different cities and markets.

Along the way, we learned things that are rarely explained clearly — especially how real monthly costs change over time.

A quick, structured way to understand the real costs before you commit.

Mortgage calculators often miss tax reassessments, insurance changes, escrow deficits, HOA increases, and PMI rules.

A step-by-step homebuying timeline that shows what’s coming next and where buyers usually get stuck.

A skippable learning path that explains the key concepts so the numbers stop feeling like a trap.