The mortgage decision you'll live with for years deserves more than a payment calculator.
Mortgage Wealth Planner™
Plan smarter. Borrow confidently. Build wealth over time.
A planning system designed to help you make smarter mortgage decisions before you ever submit an application — so you can walk into the process organized, informed, and confident.
A Note From Barb
Why I created the Mortgage Wealth Planner™
"Over the years, I've learned that people rarely regret asking too many questions."
"They regret not asking them soon enough."
"That's exactly why I created the Mortgage Wealth Planner™. I wanted to give borrowers the same planning framework I use with my own clients — so they can feel informed, organized, and confident before making one of life's biggest financial decisions."
— Barb Patterson, CDLP®
What's Inside
What's Inside the Mortgage Wealth Planner™
Ten focused sections that walk you through every mortgage decision — from the first goal you set to the annual review years down the road.
Goal Planning
Clarify what you want your mortgage — and your home — to do for your life.
Budget & Monthly Payment Worksheets
See the full picture: principal, interest, taxes, insurance, and everyday cash flow.
Mortgage Comparison Worksheets
Compare programs side-by-side so you can choose with clarity, not pressure.
Closing Cost Planning
Know what to expect before you sign — no surprises at the closing table.
Homeownership Timeline
Map out the milestones from pre-approval through move-in and beyond.
Annual Mortgage Review
A once-a-year habit that keeps your mortgage aligned with your goals.
Equity & Wealth Tracking
Watch your equity — and your net worth — grow year over year.
Refinancing Decision Guide
Know when a refinance actually makes sense — and when it doesn't.
Investment Property Planning
Frameworks for using real estate to build long-term, generational wealth.
Notes & Action Items
A dedicated space to capture questions, ideas, and next steps as you plan.
The Transformation
Imagine sitting down with your lender already knowing…
The planner isn't about paperwork. It's about how prepared, clear, and confident you feel when it's time to make real decisions.
what monthly payment actually fits your budget
which loan options deserve your attention
what questions to ask before applying
how much cash you'll realistically need
how your mortgage supports your long-term financial goals
A Look Inside
A premium, printable planning guide
Beautifully designed, thoughtfully organized, and built to be used — not just downloaded. Here's a look at a few pages inside.
How It Works
A simple path from planning to closing
Step 1
Download
Get the Mortgage Wealth Planner™ delivered straight to your inbox.
Step 2
Plan
Complete the planning worksheets at your own pace.
Step 3
Compare
Evaluate your financing options side-by-side.
Step 4
Strategize
Schedule your mortgage strategy session with Barb.
Step 5
Move Forward
Make your next mortgage decision with confidence.
Who It's For
Is this planner right for you?
The Mortgage Wealth Planner™ was built to serve a wide range of borrowers at every stage of homeownership.
First-Time Homebuyers
Current Homeowners
Real Estate Investors
Self-Employed Borrowers
Families Planning a Move
People Considering Refinancing
Clients Navigating Divorce
Anyone Wanting Smarter Mortgage Decisions
The Outcome
What you'll walk away with
This isn't a workbook of pages to fill out — it's a set of outcomes you'll actually feel.
Feel more prepared
Walk into your first lender conversation with the right questions and numbers already in hand.
Compare with confidence
Evaluate loan options side-by-side using a framework — not gut feel or high-pressure quotes.
Reduce stress
A clear plan turns the buying and refinancing process from overwhelming into predictable.
Understand long-term wealth
See how the mortgage you choose today shapes your equity, cash flow, and net worth for decades.
Stay organized start to finish
One workbook for goals, documents, comparisons, timelines, and notes — from planning to closing.
Build an annual review habit
Treat your mortgage like every other part of your financial plan — reviewed, not ignored.
"For the first time, I actually understood the mortgage I was signing. I walked into every conversation organized, confident, and knowing what questions to ask. It made one of the biggest decisions of my life feel completely manageable."
Created By
Barb Patterson
- Certified Divorce Lending Professional (CDLP®)
- Licensed Mortgage Loan Originator
- Licensed in CA, FL, IL, MD & MN
- Nearly 10 Years Helping Homebuyers, Homeowners & Investors
Get the Mortgage Wealth Planner™
Download your complimentary planner and explore practical strategies for building equity, reviewing mortgage costs and making more confident long-term mortgage decisions.
Secure email delivery through Kit. Confirm your email to receive the planner.
FAQ
Frequently asked questions
Is the planner really free?+
Yes. The Mortgage Wealth Planner™ is a complimentary resource. Download it through Kit at no cost.
Is it only for first-time buyers?+
Not at all. The planner is designed for anyone making mortgage decisions — first-time buyers, current homeowners, investors, and clients navigating divorce.
Can current homeowners use it?+
Absolutely. Sections like the Annual Mortgage Review, Equity & Wealth Tracking, and Refinancing Decision Guide were built with current homeowners in mind.
Will someone contact me?+
You'll get the planner and occasional educational emails. You'll never be pressured to apply — you can reach out when and if you're ready.
How long does it take to complete?+
You can skim it in an afternoon or work through it section by section over a few weeks. It's designed to be used at your pace.
Can I use it before applying for a mortgage?+
Yes — that's the ideal time. The planner is meant to be used before you apply, so you walk into the process organized and clear on your goals.
Ready to Make Your Next Mortgage Decision With Confidence?
Whether you're buying your first home, refinancing, investing, or simply planning ahead, I'd love to help you build a mortgage strategy that fits your goals.