5 days5 lessonsFree

5-Day Home Buying Masterclass

From affordability check to closing day — everything first-time buyers need

What You'll Learn

A step-by-step, 5-day email course designed for first-time home buyers (and anyone re-entering the market). Each lesson walks you through a critical stage of the home buying process using NexTool calculators so you make data-driven decisions instead of guessing.

Day 1: How Much House Can You Afford?

Use the Home Affordability Calculator to find your true budget. Learn the 28/36 rule, factor in taxes, insurance, and HOA, and set a realistic price range.

Day 2: Mortgage Comparison Deep Dive

Compare 15-year vs 30-year, fixed vs ARM using the Mortgage Calculator. See total interest paid, monthly payments, and the real cost of each option.

Day 3: Down Payment Strategy

Use the Down Payment Calculator to model 5%, 10%, and 20% scenarios. Learn about PMI, down payment assistance programs, and whether to invest the difference.

Day 4: Closing Costs Decoded

Run your numbers through the Closing Cost Calculator. Understand every fee, learn which costs are negotiable, and budget for the cash you'll need at closing.

Day 5: Your Home Buying Action Plan

Compile your results into a complete buying profile: budget range, ideal loan type, down payment plan, and closing cost reserve. Plus a timeline from offer to keys.

Tools You'll Use

Home Affordability Calculator

Calculate how much house you can afford based on income, debts, and down payment using the 28/36 rule

Mortgage Calculator

Calculate mortgage payments with taxes, insurance, PMI, and amortization

Down Payment Calculator

Calculate how much to save for a down payment and see how it affects your mortgage payments and PMI

Closing Cost Calculator

Estimate home closing costs by state including lender fees, title insurance, and prepaid items

Loan Calculator

Calculate monthly payments, interest, and amortization schedules

Frequently Asked Questions

Is it really free?

Yes, 100% free. No credit card required, no hidden fees. We believe financial education should be accessible to everyone. The course uses free NexTool calculators to teach you practical skills.

How much time per day?

Each lesson takes about 10-15 minutes. You'll read a short email, then use a specific NexTool calculator to work through an exercise with your real numbers. It's designed to fit into a busy schedule.

What if I miss a day?

No problem! The emails stay in your inbox, so you can catch up whenever you're ready. The lessons build on each other, but each one stands on its own, so you won't be lost if you skip ahead.

Do I need any special software?

Nope. All you need is an email address and a web browser. Every calculator linked in the lessons is free and works right in your browser — no downloads, no sign-ups required.

Can I enroll in multiple courses?

Absolutely! You can enroll in as many courses as you'd like. We recommend starting with one and then adding more as you complete each one, but it's entirely up to you.

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