Free Home Buyer Guides
Free home guides for every stage. Wherever you are, we made a guide for you. Simple steps, real answers, written like we’d explain it at our kitchen table.
From COE to Keys (PCS Moves Included)
Paul Francisco · NMLS #1878399
VA loans
Seven guides for veterans, service members and military families.
VA Home Loan Playbook
Should you buy at this duty station? An honest walk-through of tour length, BAH math, when to wait, and COE to keys.
Get the free guide →VAPCS Home Guide
Buy, rent, or wait — tour length, BAH math, remote buying, and what to do with your current home.
Get the free guide →VAMilitary Transition Home Guide
Timing a home purchase around ETS or retirement — income that counts, when to wait, and your VA benefit after service.
Get the free guide →VAVA Renovation Guide
Is a fixer-upper with VA renovation financing right for you — bids, draws, and when to walk away.
Get the free guide →VAVA One-Time Close Guide
Is one-time-close construction right for you — builder risk, draws, and when to wait.
Get the free guide →VAVA IRRRL Guide
Is an IRRRL worth it — break-even math, seasoning, and junk-mail red flags.
Get the free guide →VAVA Home Equity Guide
When tapping equity helps, when to wait, and the Texas rule — without over-leveraging your home.
Get the free guide →Refinance & equity
Thinking about your current loan or your equity? Start here.
VA IRRRL Guide
Is an IRRRL worth it — break-even math, seasoning, and junk-mail red flags.
Get the free guide →VAVA Home Equity Guide
When tapping equity helps, when to wait, and the Texas rule — without over-leveraging your home.
Get the free guide →Refinance & equityRefinance & Equity Guide
When refinancing helps, when to wait, break-even math, and spotting junk offers.
Get the free guide →Refinance & equityConventional Cash-Out Guide
Cash-out vs. HELOC vs. keeping a low rate — when to borrow, when to wait.
Get the free guide →Buying a home
Simple steps for every kind of buyer.
First-Time Buyer Guide
Is buying now right for you — money, timing, and the steps to your front door.
Get the free guide →Buying a homeDown Payment Help Guide
Is down payment help worth it for you — strings, timing, and when to pass.
Get the free guide →Buying a homeMove-Up Guide
Buy first or sell first — equity, timing, and when to keep the old home as a rental.
Get the free guide →Buying a homeInvestor's Guide
Is this rental worth financing — DSCR, reserves, and honest cash-flow math.
Get the free guide →Buying a homeSelf-Employed Guide
When to buy on self-employed income — write-offs, docs, and when to wait a tax year.
Get the free guide →More than mortgages
We’re a Veteran family helping military families. Our Veteran Resources page has VA benefits, crisis support, official Texas resources and the nonprofits we love, all in one spot.
Visit Veteran ResourcesQuestions about the guides
Are the guides really free?
Yes. Just tell us your first name, email and state, and we’ll send the guide. Unsubscribe anytime.
Why do you ask for my state?
Each guide has a Your State page with homestead, veteran and program info. Picking your state gets you the right version.
Which guide should I start with?
Veterans and service members: start with the VA Home Loan Playbook. First home? The First-Time Buyer Guide. Already own? Start with the Refinance & Equity Guide.
Are these guides financial advice?
They’re educational only. No rates, promises or approvals. For your situation, call or text Paul.
Can my realtor share these?
Yes! Realtors can request co-branded copies from Paul.
Questions? Let’s talk it through.
Call or text me anytime. No pressure, just straight answers about your options, in plain English.
Paul Francisco, Mortgage Advisor · NMLS #1878399 · Go Rascal Inc., NMLS #2072896