Mortgage Hacking

5 Days

Cohort-based Course

Search and customize mortgage deals to make homebuying more affordable. Take control and live the American dream. Build wealth.

Mortgage Hacking

5 Days

Cohort-based Course

Search and customize mortgage deals to make homebuying more affordable. Take control and live the American dream. Build wealth.

Hosted by

Sukesh Shekar, Ph.D.

Mortgage Coach | Startup Founder | Ex-McKinsey | Notre Dame Alum

Sukesh Shekar, Ph.D.

Mortgage Coach | Startup Founder | Ex-McKinsey | Notre Dame Alum

Course overview

From novice to expert homebuyer

🏠 Gain confidence to become a homeowner amidst uncertainty

🎙 Cut down payments by 40% and save cash upfront to settle-in

🔍 Reduce interest rates up to 1% with factors within your control

💰 Leverage your largest purchase to build generational wealth for your family

Who should become a mortgage hacker

First-time homebuyers. Make the best financial decision for your family and become a home-owner. "You want to know this."

Millennials who are starting families, but delaying a home purchase due to high interest rates. "Marry the house, date the rate."

Preparing for a live event? Job change, sending kids to college, or preparing for retirement. Mortgages can help.

First-time homebuyers. Make the best financial decision for your family and become a home-owner. "You want to know this."

Millennials who are starting families, but delaying a home purchase due to high interest rates. "Marry the house, date the rate."

Preparing for a live event? Job change, sending kids to college, or preparing for retirement. Mortgages can help.

Learn for a week, save for a lifetime.

Analyze rates across 3 channels: banks, brokers, and marketplaces

Mortgage rates can vary as much as 1% by lender. Some show fees, while others include them in the rate. We'll use rates, APR, and Loan Estimates to compare apples to apples. Reducing rate variance is critical with mortgage rates above 5%. It's just the first step.

Control loan factors that matter. Save 0.5% with proactive actions.

Mortgages undergo price adjustments based on borrower & loan factors. We'll use the same LLPA matrix used by lenders to understand the sensitivity of each variable like FICO scores, Down Payments, and Mortgage Insurance Premiums. Then take proactive actions to move the needle.

Defy convention. Customize your mortgage with 7-12% down and "bona fide" points

Discount points help lower interest rates permanently. They follow non-linear trends and breakevens can vary from 18 months to 5+yrs. Know exactly how much to buy, when to stop, and make your mortgage more capital efficient. Save cash upfront & pay less interest over time.

Accelerate pay-off by 5-10yrs. A little bit of slope can make all the difference

Learn techniques for fast refinancing and how to stay "in the money" by tracking rates. Create optionality to lower payments without restarting your loan. Explore time-weighted extra payments to accelerate debt pay-off and take advantage of principal compounding.

What homebuyers are saying

We learned how to reduce our down payment to 10.1% and were able to keep & convert our existing home into a rental. The creativity & unconventional approach to mortgages was amazing.

Thomas Hickey

Product Manger, Healthcare

We saved $70,000 by reducing our interest rate and downpayment at the same time. We could have purchased a home 3yrs earlier. Our home is on track to be paid off 6yrs faster now.

Vaibhav Srivastava

Data Science Expert

This course has made me aware of opportunities I never knew existed. Now my retirement plans can stay on track despite rising mortgage rates. This has been a game changer for me!

Paul Dietz

Chief Engineer, Heavy Industry

Sukesh takes what others make purposely confusing and helps literally save tens of thousands of dollars. I was in awe of things consumers can do, but just don't know how to, until now.

William Schoeffler

Real Estate Entrepreneur

Meet your instructor

Sukesh Shekar, Ph.D.

Founder, CEO - Altgage

As an immigrant, I am passionate about the American dream. Every person, parent, and child deserves a place to call home. The mortgage process is not transparent or optimized. Small changes can alter the trajectory of wealth over decades.

As a McKinsey consultant, I improved the bottom line for big corporations. Now, I'm dedicated to helping every household improve its mortgage. Mortgages should not just be a large liability, but leverage to build a better life.

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