Boris ChernerMortgage lending in all 50 states
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Resources

The tools and reading I hand clients during the Masterclass. Free, no login, and none of them quote a rate.

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Free guide

The Confident Homebuyer Guide

Sixty pages on the whole process, from credit and down payments through the closing table.

 Request

Rate quote

Tell me about the loan and I'll send real numbers for your situation, with no points as the baseline so you can compare.

 Tool

Home budget

Build a real monthly budget on your phone, with the new housing payment in it, and save it as a spreadsheet or PDF. Useful whether or not you're buying.

 Tool

House walk-through checklist

What to look at, room by room, when you tour a home. Fill it in as you walk, share it with your spouse, keep it for the inspection.

Calculators

Quick math for the questions that come up most. None of them quote a rate; all of them show their assumptions.

Monthly paymentPrincipal, interest, taxes, insurance, mortgage insurance and HOA. Refinance break-evenMonthly savings, months to recover costs, and whether a reset term costs more. Buydown comparisonPrice cut vs. 2-1 buydown vs. points, with the same seller dollars. Extra payments and payoffWhat extra principal does to your payoff date, next to a 15-year. HELOC paymentAvailable line, interest-only payment, and the jump at repayment. Rent vs. buyAn honest version, with the three guesses that decide it out in the open.

Learn

Included for every client

The Mortgage Masterclass

Three sessions that take you from "I need a loan" to understanding exactly how yours works.

 Reference

Mortgage glossary

Fifty-plus terms every homebuyer should know, with a search box and an A-to-Z index.

 Articles

Plain-language explanations

Fifty-plus articles on how mortgages actually work, from VA entitlement to buydowns to Non-QM.

 Videos

Short explainers

The basics, a few minutes at a time, on YouTube.

For financial advisors

Newsletter

The PITI Lens

Every other week, on the places where mortgage decisions and financial plans meet.

 Partnership

How I work with advisors

Client education, 50-state lending, no referral fees, and The Mortgage Conversation: a 45-minute presentation for planners, plus questions.

Want to talk it through?

Thirty minutes on video. No application, no obligation, and no cost, now or later.

Schedule a video call