Curriculum
Three sessions, from “no idea” to keys in hand
90 minutes each, once a week for 3 weeks, live on Zoom.
- 1Session 1 · 90 min
Financial foundation: where do you stand?
Goals- Get a clear read on your finances — buy now, or wait for a bigger down payment?
- Know the price you can afford, the loan you can get, and your monthly payment.
What we cover- The big picture: real estate, appreciation and cash flow
- Taking stock of what you have today
- Credit score
- The core formulas you need to know
- Building your budget funds
- Hands-on calculators
Homework: Fill in your personal finance sheet, then work out your own DTI and “safe” home price.
- 2Session 2 · 90 min
The right loan and pre-approval
Goals- Map out exactly how to open your loan file.
- Understand the loan types, choose the right program, and be ready for pre-approval.
What we cover- The common loan types
- Fixed rate vs. ARM (adjustable rate)
- Mortgage shopping: comparing and choosing a loan
- Pre-qualification → pre-approval → final approval
- How lenders and banks actually work
- The key formulas and calculators
Homework: Get a practice pre-approval letter from the Wonder Rates team and compare rates and fees.
- 3Session 3 · 90 min
Your real-world buying plan
Goals- A concrete path from search → offer → escrow → closing, and a financial plan for after you buy.
What we cover- Building your support team
- Winning in a competitive market
- A real transaction timeline (30–45 days)
- The “hidden” costs after you buy
- Your 6–12 month roadmap (personal checklist)
Homework: Practice reading a Loan Estimate (LE) and Closing Disclosure (CD), and present your personal buying plan for coach feedback.
Register — $49
Your tuition is refunded in full when you finish the course and close your loan or first home with Wonder Rates. Refund terms are confirmed at registration.
Save your seat in the next class — $49
Your tuition is refunded in full when you finish the course and close your loan or first home with Wonder Rates. Refund terms are confirmed at registration.