Three Books. One Clearer Path to Homeownership.
Read Before You Apply: David Braun's Mortgage Education Collection
Practical mortgage guidance for homebuyers, self-employed borrowers and FHA buyers throughout Chicago and the surrounding suburbs.
A mortgage should never feel like a mystery.
Buying a home involves more than choosing a property and asking for an interest rate. Borrowers must understand income, credit, assets, debt, property taxes, insurance, loan programs, underwriting, appraisal, closing costs and timing.
David Braun began in the mortgage business in 1997. He created these three books to help borrowers replace confusion with preparation and approach important mortgage conversations with greater confidence.
Choose the guide that fits your situation
Start Here
Understand the Complete Mortgage Process
Begin with The 2026-2027 Homebuyer and Mortgage Guide.
Business Owners
Prepare a Complex Income Story
Use The Self-Employed Mortgage Playbook to prepare for underwriting.
Chicagoland FHA Buyers
Understand FHA Financing Locally
Read The Chicagoland FHA Homebuying Guide before making an offer.
Book One: The Complete Foundation
The 2026-2027 Homebuyer and Mortgage Guide
Real Answers. Smart Strategies. A Brighter Tomorrow.
This guide explains how the mortgage pieces fit together, from early financial preparation through application, property review, underwriting and closing.
What you will learn
Income and credit: How lenders evaluate income, credit, assets and monthly obligations.
Realistic budgeting: How to consider the complete housing payment, not only principal and interest.
Cash planning: How down payment, closing costs, prepaid expenses and reserves differ.
Loan comparisons: Why rates, points, lender credits and mortgage insurance all matter.
The closing path: What happens during preapproval, appraisal, underwriting and final approval.
Best for: first-time buyers, repeat buyers, refinancers and anyone who wants a clearer overview before applying.
Book Two: The Self-Employed Strategy
The Self-Employed Mortgage Playbook
Business owners may earn enough money but still face difficulty presenting income in the form mortgage underwriting requires. Business revenue is not automatically qualifying mortgage income, and tax deductions may affect the calculation.
What self-employed borrowers should prepare
Complete records: Gather personal and business tax returns, statements and ownership documents.
Income trends: Understand why stable, increasing and declining income may be reviewed differently.
Documented funds: Know where the down payment, closing costs and reserves will come from.
Clear explanations: Prepare for questions about large deposits, business changes or unusual financial activity.
Early review: Discuss the financial picture before a purchase contract creates deadlines.
Best for: business owners, entrepreneurs, independent contractors, 1099 earners and borrowers with complex income.
Book Three: The Local FHA Roadmap
The Chicagoland FHA Homebuying Guide
FHA financing may open doors for eligible buyers, but the borrower, property and complete transaction must satisfy applicable requirements. This guide explains the process through a Chicagoland lens.
What FHA buyers should understand
Qualification: How credit, income, assets and monthly obligations enter the review.
Mortgage insurance: Why it must be included in the complete payment.
Property review: How appraisal and property-condition issues can affect the transaction.
Closing funds: Why buyers must consider closing costs, prepaid taxes and insurance.
Local costs: How Chicagoland property taxes may influence buying power.
Best for: eligible first-time and repeat buyers considering FHA financing in Chicago or the surrounding suburbs.
Why Read All Three?
One book explains the road. The others prepare you for the turns.
Learn the Language
Understand rates, APR, mortgage insurance, escrow, reserves, underwriting and closing.
Find Questions Earlier
Missing records, unexplained deposits and property concerns are easier to address before contract deadlines.
Build a More Realistic Budget
Buying power depends on the complete payment, available cash and long-term comfort.
Become a Stronger Participant
An informed borrower can ask better questions, communicate clearly and respond more efficiently.
The Books Educate. The Conversation Personalizes.
Why call David Braun?
A book can explain the mortgage process. It cannot review your income, credit, assets, debts, property taxes, timing or goals.
David combines mortgage experience dating to 1997 with a commitment to borrower education and an understanding of Chicago-area housing costs. He helps turn general information into a conversation about your documented circumstances and possible next steps.
Do not wait until you find the house to learn how the mortgage works.
Read the books, write down your questions and call David for a personal mortgage conversation before you begin shopping or make an offer.
View the Books on Amazon Call 312-656-0220 Text David
David Braun | Mortgage Loan Officer | NMLS #303007 | Mortgage experience since 1997 | Serving Chicago and the surrounding suburbs
Important: These books and this page provide general educational information. They are not legal, tax or financial advice, an offer to lend, a rate quote, a commitment or a guarantee of qualification, approval or closing. Mortgage requirements and programs vary and may change. All loans are subject to application, verification, applicable program requirements, property review and final underwriting approval. Equal Housing Opportunity.
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