StretchLearn Course
Master the affordability math, mortgage options, and closing process the pros use
Course Overview
This course demystifies the home-buying process for first-time buyers using the same math, mortgage programs, and inspection standards professionals rely on. You will calculate what you can truly afford, assemble a down payment and closing-cost reserve, navigate pre-approval and offers, and protect yourself through inspection and closing. Every module uses worked examples in both US and Canadian terms so you can act with confidence.
Learning Outcomes
Calculate your maximum affordable home price using the 28/36 and GDS/TDS debt-ratio rules
Compare loan types (conventional, FHA, VA, CMHC-insured) and choose the right down payment size
Assemble a complete cash-to-close estimate including closing costs, reserves, and CMHC or PMI premiums
Get a strong mortgage pre-approval and lock or float your interest rate strategically
Write a competitive offer with the right contingencies and earnest money for your market
Interpret a home inspection report and negotiate repairs or credits before closing
Curriculum Preview
Preview the course structure, see how the modules build on one another, and understand the path this program is designed to take you through.
Replace wishful thinking with hard numbers. Learn the debt ratios lenders use and build a personal affordability ceiling.
Understand loan types, the real role of the down payment, and first-time-buyer programs that lower your costs.
Turn a budget into buying power, search efficiently, and write offers that win without overpaying.
Protect your money through inspection and appraisal, navigate closing, and settle in without surprises.
Built for Application
This program is designed around progression: focused lessons, structured modules, applied resources, assessments, and a course rhythm that turns information into usable capability.