Read the terms before you sign them.
We are not a lender and we sell no loans. We sit on your side of the table and explain the one you are being offered — personal, business, and the education underneath both.
3
Ways to work together
0
Loans sold, ever
48h
Term sheet turnaround
2
Sides of the table, understood
Personal financing
For people who want to make better borrowing decisions before pressure, confusion, or urgency takes over.
Mortgages · refinance · consumer debt
- Mortgage and refinance review — rate, term, amortization, and what the closing sheet really costs
- Debt sequencing: which balance to attack, which to leave alone, and why
- Credit positioning before you apply, so the lender's pattern works in your favor
- A written second opinion on an offer already in front of you
Four steps, no upsell at the end.
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STEP 01
Send the paperwork
Term sheet, statement, or a screenshot of the offer. Whatever you actually have.
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STEP 02
We translate it
Rate, term, amortization, covenants, recourse — in plain language, with the numbers shown.
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STEP 03
The questions to ask
A short list you can take straight back to the lender, in their language.
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STEP 04
You decide
Sign it, renegotiate it, or walk. We have no stake in which.
| Question | What we do | What we don't |
|---|---|---|
| The loan itself | Explain every term and what it costs over the life | Originate, broker, or place it |
| Lender relationships | Tell you how they underwrite and what they need to see | Take referral fees or commissions |
| Your numbers | Model the cash flow and the downside year | Promise a rate, an approval, or a return |
| The decision | Give you the questions and the arithmetic | Make it for you |
The free half of the work.
Every episode and article exists so fewer people need the paid half. Start there, decide later.