Your Path to Homeownership
We organize everything by where you are in the journey—not by confusing topics. Start wherever you are, move at your own pace, come back anytime.
Getting Started
New to homebuying? Start here. We'll help you understand if now is the right time, what you can afford, and what the process actually looks like.
Begin HereBuilding Foundation
Get your finances ready. Learn about credit scores, saving for down payments, understanding mortgage types, and getting pre-approved.
Build Your FoundationPreparing to Buy
Know your numbers. Use our calculators, understand the DFW market, learn about property taxes, ISDs, and neighborhoods that fit your goals.
Prepare Your StrategyActive Shopping
You're house hunting! Learn how to evaluate properties, make competitive offers, handle bidding wars, and work with agents effectively.
Start Shopping SmartClosing Process
Under contract! Navigate inspections, appraisals, final mortgage approval, closing costs, and what happens on closing day.
Navigate ClosingHomeownership
You did it! Now learn about maintenance, building equity, when to refinance, and how to use your home to build generational wealth.
Master HomeownershipFree Tools That Actually Help
No paywalls. No lead capture before value. Just honest tools that help you make informed decisions about YOUR situation.
Affordability Calculator
See what you can really afford based on YOUR income, debts, and down payment—with DFW property taxes included.
Calculate MY BudgetMortgage Payment Calculator
Break down your monthly payment: principal, interest, taxes, insurance, HOA fees. No surprises.
Estimate MY PaymentDebt-to-Income Calculator
Find out if lenders will approve you and get personalized recommendations to improve your ratio.
Check MY DTITimeline Planner
Track your progress from pre-approval to closing. See what's next and celebrate milestones along the way.
Plan MY TimelineReal Stories from Real People
No fake testimonials. No stock photos. These are actual DFW residents who used our education to buy their first homes.
I was terrified to check my credit score. Thought it would be in the 400s. JHL walked me through it step-by-step. Got from 618 to 702 in 8 months and qualified for conventional.
I had $47K in student loans and thought homeownership was impossible. Their debt-vs-saving guide showed me I could still qualify. Bought my duplex—now my tenant pays half my mortgage.
I was trying to save 20% down ($76K) and getting nowhere. JHL explained FHA only needs 3.5%. Suddenly buying a home felt possible again. Closed with $13,500 down in Garland.
First lender quoted me 7.2% interest. JHL's lender shopping guide gave me confidence to get 3 more quotes. Locked in at 6.5% and will save $43K over 30 years.
Got pre-approved for $450K. JHL's affordability calculator showed me I'd be house poor at that price. Bought at $360K instead and actually enjoy my life. No regrets.
Lost 5 offers in a row. Ready to give up. JHL's competitive market strategy taught me escalation clauses. Won my 6th offer in Flower Mound—seller chose stability over price.
Almost bought a cute bungalow in Oak Cliff. JHL's red flags checklist made me ask about foundation. Inspector found $35K in repairs needed. Walked away and found better 2 weeks later.
Inspector found roof damage and HVAC issues. Freaked out. JHL's inspection guide taught me how to negotiate repairs. Seller credited me $8,500 at closing—handled repairs myself and saved $3K.
My parents immigrated from Nigeria. They don't trust banks. JHL's guides were simple enough I could explain it to them. They finally understood why buying was better than renting.
Join the Movement
We're not just teaching homebuying—we're building a community of wealth-builders who support each other and teach the next generation.