5 Days
·Cohort-based Course
Search and customize mortgage deals to make homebuying more affordable. Take control and live the American dream. Build wealth.
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
Course overview
🏠 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
01
First-time homebuyers. Make the best financial decision for your family and become a home-owner. "You want to know this."
02
Millennials who are starting families, but delaying a home purchase due to high interest rates. "Marry the house, date the rate."
03
Preparing for a live event? Job change, sending kids to college, or preparing for retirement. Mortgages can help.
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.
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.
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.
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.
Mortgage Hacking
Thomas Hickey
Vaibhav Srivastava
Paul Dietz
William Schoeffler
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.
01
Mortgage Mechanics: Build Wealth with Leverage
02
Mortgage Math: Optimize, Optimize, Optimize
03
Mortgage Management: A Smarter Way to Autopay
1:00pm - 2:30 pm EST
We'll cover important topics, do breakdowns, and spend 30 mins for Q&A
Cohort kick-off. Come ready to learn and look up your credit score
90 mins
Q&A to review specific scenarios or deep dive into mortgage math.
Active hands-on learning
We'll compare our estimates with others to find even better deals
Interactive with models
We'll use a few simple inputs to guide our decisions, understand constraints, and challenge misconceptions
Learn with a cohort of homebuyers
Homeownership is the quintessential American dream. Together we'll go far.
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