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Free Guides, Zero Sales Pitch.

Everything here is what I would tell you on a call, written down so you can read it at midnight when the question actually occurs to you. Give me an email address and it is yours.

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Seven Resources, All Free

Written for real buyers in Texas, not generic national templates. Updated as guidelines and costs change.

Cover of the Free Homebuyer Guide from The Herbert Team

Free Homebuyer Guide

The full playbook: how much house you can actually afford, what lenders look at, how to prepare your credit and cash, and what happens between offer and closing.

Cover of the First-Time Homebuyer Checklist from The Herbert Team

First-Time Homebuyer Checklist

A printable step-by-step checklist so nothing gets missed — from pulling your credit to scheduling the final walkthrough.

Cover of the Mortgage Process Guide from The Herbert Team

Mortgage Process Guide

What actually happens after you apply: processing, underwriting, appraisal, conditions, clear-to-close. Written in plain English with realistic timelines.

Cover of the Moving Checklist from The Herbert Team

Moving Checklist

The 8-week countdown — utilities, address changes, movers, school records, and the day-of essentials box you will be glad you packed.

Cover of the Closing Cost Guide from The Herbert Team

Closing Cost Guide

Every line item explained: lender fees, title, escrow, prepaids, and Texas-specific costs — plus which ones are negotiable and which are not.

Cover of the Home Buying Timeline from The Herbert Team

Home Buying Timeline

A week-by-week map from first conversation to keys in hand, so you always know what is happening now and what comes next.

Cover of the Mortgage Payment Calculator from The Herbert Team

Mortgage Payment Calculator

Run principal, interest, taxes, insurance, HOA, and PMI in one place — then see the amortization schedule behind the number.

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Run the Numbers Yourself

The mortgage calculator includes Texas property taxes, insurance, HOA dues, and PMI — plus a full amortization schedule so you can see exactly how much interest you pay over the life of the loan.

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Prefer Articles?

The blog covers bank statement loans, VA entitlement, DSCR math, the Austin market, and whether buying points is worth it — all in plain English, all written by me rather than by a content agency.

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