The Homebuyer Confidence Plan
A Clear Path to Buying—and Owning—a Home With Confidence
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"In today's market, the biggest risk isn't buying the wrong home—it's buying without a plan."
Many buyers move forward based on assumptions about affordability, financing, and timing. Those assumptions often lead to stress, missed opportunities, or costly mistakes that could have been avoided with proper planning and education.
The Homebuyer Confidence Plan replaces guesswork with clarity. It helps you understand what you can truly afford, make smarter buying decisions based on data rather than emotion, and manage your home confidently long after closing. This comprehensive approach ensures you're not just buying a house—you're making a sound financial investment in your future.
This plan meets you where you are—whether you're ready to buy now or planning ahead for the next few years—and gives you a structured, step-by-step path forward. No pressure, no confusion, just clear guidance tailored to your unique situation and timeline.
Overview
A Proven Three-Step Framework
1
Step 1: Funding
Understand what homeownership really costs and build financial clarity
2
Step 2: Finding
Buy the right home the right way with strategic guidance
3
Step 3: Confidence
Manage and protect your investment for long-term success
Each step builds on the last, creating a comprehensive journey from initial assessment to confident homeownership. This isn't just about getting keys—it's about building lasting financial security.
Step 1
Funding: Understanding What Homeownership Really Costs
Before searching for homes, we focus on building financial clarity. This foundational step is about understanding how homeownership fits into your overall financial picture and how lenders evaluate affordability. We'll help you see the complete picture—not just the purchase price, but the true monthly costs including taxes, insurance, maintenance, and more.
The goal is confidence—not pressure. You'll gain a realistic understanding of what you can afford, what loan options make sense for your situation, and how to position yourself for approval. This knowledge empowers you to make informed decisions rather than feeling rushed or uncertain.
Whether you're ready to buy immediately or planning for the future, this assessment provides the financial foundation every successful homebuyer needs. It transforms abstract numbers into actionable insights you can trust.
Personalized Home Affordability Self-Guided Assessment
Self-Guided Online Experience
The Personalized Home Affordability Assessment is an interactive online learning portal that provides structured education, tools, and step-by-step guidance to help you evaluate your readiness for homeownership on your own schedule.
You'll have unlimited access to educational content, expert videos, sophisticated calculators, and detailed instructions designed to help you confidently assess your options. We will reach out to you periodically to check on your progress and answer any questions that arise. We can also schedule an appointment to review the assessment together if you prefer personalized guidance.
The result? A clear, realistic evaluation of your buying power and options, backed by data and expert insight.
What the Assessment Includes
Debt-to-Income Ratio (DTI)
  • How lenders actually evaluate DTI
  • Calculation of your current DTI
  • How DTI impacts loan approval and buying power
Home Affordability & Payment Scenarios
  • Estimated mortgage payments under different price and interest-rate scenarios
  • How property taxes, insurance, and HOA fees affect true monthly cost
Loan Options Overview
  • High-level comparison of Conventional, FHA, and VA financing
  • How loan types affect down payment, payment structure, and flexibility
Financial Planning Tools
  • Budget planning guidance
  • Supporting calculators and planning resources
Path to Keys: Homebuyer Readiness Program
Not everyone is ready to buy right now—and that's a smart decision when made intentionally. Rushing into homeownership before you're truly prepared can lead to financial stress and regret.
Path to Keys is a structured readiness program specifically designed for buyers who want to purchase in the future but prefer to prepare strategically rather than rush into a decision they're not ready for.
This program is ideal for buyers who are 6 months to 5 years away from purchasing, working to improve affordability, credit score, or cash position, or seeking clarity and direction before making such a major financial commitment.
Path to Keys turns uncertainty into a clear, actionable plan toward ownership. You'll receive personalized milestones, progress tracking, and expert guidance every step of the way.
Step 2
Finding: Buying the Right Home, the Right Way
This step is for buyers who are financially prepared and ready to begin the home search with confidence, including mortgage pre-approval in hand. Now the focus shifts from numbers to strategy—finding not just a home, but the right home for your needs, lifestyle, and long-term goals.
Home Buyer Strategy Consultation
  • In-person or virtual strategy session
  • Review financing and pre-approval details
  • Clarify lifestyle needs, priorities, and long-term goals
  • Define buying criteria and decision guardrails
Proactive Home Search Process
A structured search system designed to identify the best opportunities, avoid overpaying, and reduce emotional or rushed decisions.
The focus isn't just finding a home—it's making the right decision that aligns with your financial capacity and life vision.
Step 3
Confidence: Owning and Managing Your Home as an Asset
Buying a home is not the finish line—it's the starting line for a new phase of financial stewardship. Confidence continues long after closing, and this step ensures you have the support and tools to manage your investment wisely.
Ongoing Homeowner Confidence Support
  • Personal homeowner web portal to help manage and track your home's performance
  • Customized maintenance and improvement planning to protect your investment
  • Regular home equity and value reviews to track long-term financial performance
This step helps you think like a long-term owner and asset manager, not just a buyer. You'll understand how to maintain, improve, and maximize the value of your most important investment over time.
Stop Guessing. Start Planning.
Complete your Home Affordability Assessment and take your first confident step toward homeownership—whether that step is buying now or preparing for what's next. The path forward doesn't have to be confusing or overwhelming.
This is your roadmap: Assess → Prepare → Buy → Own. No pressure. No guessing. Just a clear, proven plan forward that puts you in control of one of life's biggest financial decisions.
Casey Brummer
Epique Realty | DRE 01737419 | 02215280
Call or Text: (661) 518-9697
Epique Realty: 8383 Wilshire Blvd, Ste 800, Beverly Hills CA, 90211