Chad Fowers Mortgage Lending Utah Utah Mortgage Loan Originator · NMLS #1332276
801-695-8228 Get My Free Game Plan
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You're Closer to
Owning a Home
Than You Think.

Join the free 30-Day Homebuyer Readiness Challenge — four weeks of live group coaching calls, real accountability, expert panels, and a community of people going through it right alongside you.

At the end, you won't just feel better about buying a home. You'll have a personalized certificate and roadmap with your exact numbers, your exact plan, and total clarity on your next step.

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100% Free
Live on Google Meet
Private Community
Expert Panels
Your Certificate
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Reserve Your Free Spot

Cohorts fill up. Lock in your spot for the next 30-day challenge.

Free to join. No credit pull. No obligation. You're committing to 30 days of showing up for yourself.

Live Weekly Calls on Google Meet
Private Buyer Community
Guest Expert Panels
Personalized Certificate & Roadmap
Sound Familiar?

You want to buy a home. But something keeps getting in the way.

Most buyers don't fail because they can't afford a home. They fail because they never had a real plan — or someone in their corner to help them build one.

You've been told "not yet" but no one explained what "ready" actually looks like
Your credit feels like a mystery — you don't know if it's a dealbreaker or just a bump
You're not sure if you should pay down debt, save more, or both
The numbers feel impossible — the down payment, the payment, the closing costs
You've tried to figure it out on your own and ended up more confused
Every time you get close, life gets in the way and the goal slips further
💡

What if the answer wasn't "not yet"
— but "here's exactly what to do next"?

Most people are a lot closer than they think. They just need a guide, a group, and a plan. That's exactly what this challenge is.

Show Me How →
The 30-Day Challenge

This is not a course. This is not a webinar.
This is a live, guided transformation.

Every two weeks a new cohort starts. For 30 days, you'll meet live with Chad and a group of buyers just like you — doing the work together, facing the same questions, and pushing each other toward the finish line.

4
Live Weekly
Coaching Calls
30
Days of Tasks,
Wins & Momentum
1
Personalized Certificate
& Roadmap You Earn
Everything You Get

Here's what's waiting for you inside the challenge.

This isn't a checklist you read once and forget. Every piece of this challenge is designed to build on the last — so by week four, you're not just informed, you're ready.

Total Investment
$0. Free.
No credit card. No catch. Just 30 days of doing the work.

4 Live Weekly Group Calls

Every week we meet live on Google Meet. Chad walks you through that week's topic, answers questions in real time, and the group shares wins and tackles struggles together. This is the engine of the challenge.

Included

Weekly Tasks & Daily Challenges

Between every call, you have specific actions to take. Not homework — real moves that build your readiness week by week. Small steps that add up to a major shift.

Included

Private Buyer Community

You're not doing this alone. A private group gives you a place to ask questions, share progress, celebrate breakthroughs, and get support from people who get it — because they're in it too.

Included

Guest Expert Panels

Each week, an outside expert joins the call — title, legal, real estate, or credit — to give you the insider perspective that most buyers never get until it's too late.

Included

Personalized Certificate & Roadmap

On week four, you earn your certificate. It has your real numbers, your real plan, and your exact next steps. Not a template — your specific roadmap, built from everything you did in the challenge.

Included

Ongoing Community Access

The challenge ends in 30 days. The community doesn't. Stay connected, keep progressing, and come back for future cohorts as you hit new milestones on your path to ownership.

Included
The 4-Week Journey

Every week builds on the last.

Each call has a focus. Each week has tasks. Each milestone gets you closer to knowing exactly where you stand and what to do next.

Week One
Foundation: Get Honest About Where You Stand
1
Live Call Focus
We dig into credit, income, and debt — no sugarcoating, no judgment. You'll finally know your real starting point and what it actually means for buying a home.
Between-Call Challenges
Pull and review your credit report
Calculate your current debt-to-income picture
Identify the 1–2 things that may need to move before you buy
Post your Week 1 win in the community
Week Two
The Money: Down Payment, Savings & Assistance
2
Live Call Focus
We break open the myth that you need 20% down. We cover the real options — low-down-payment loans, Utah assistance programs, grants — and find what might actually apply to you.
Between-Call Challenges
Map your current savings and what you're adding monthly
Research the DPA programs we discuss on the call
Build a simple savings plan to hit your target
Share your biggest insight from Week 2 in the community
Week Three
Your Real Numbers: Payment, Budget & Buying Power
3
Live Call Focus
No more guessing what a house will cost you per month. We run your actual numbers — price range, down payment, rate, taxes, insurance — so you see a real payment, not a calculator estimate.
Between-Call Challenges
Run payment scenarios at different price points
Compare rent vs. owning based on YOUR real numbers
Define your target home price range with confidence
Bring your biggest Week 3 question to the group
Week Four
Your Launch Plan: The Call That Changes Everything
4
Live Call Focus
We bring it all together. You get your personalized readiness score, your 30/60/90-day action plan, and you earn your Homebuyer Certificate & Roadmap. This is the call people remember.
Between-Call & Final Deliverable
Complete your final readiness self-assessment
Build your personal 30/60/90-day action steps
Receive your personalized certificate and roadmap
Share your transformation with the community
Inside Access

Every week, you hear from someone who does this every day.

Most buyers don't get to ask the people who actually close deals their real questions. In this challenge, you do. Guest panelists join the live calls to give you the unfiltered perspective you can't get anywhere else.

Title Company Insider
What actually happens at closing, what to watch for, and what most buyers wish they'd known before they signed.
Real Estate Attorney
The legal side of homeownership — contracts, disclosures, protection — explained in plain language, not legalese.
Experienced Utah Agent
What the market actually looks like from the ground — what buyers get wrong, what makes an offer win, and how to find the right home.
Credit & Finance Specialist
Practical, honest guidance on credit — what to fix, what to ignore, and the moves that actually move the needle before you apply.

Panelists are announced at the start of each cohort. Lineup may vary by session.

What You Earn

You don't just finish the challenge.
You walk away with proof.

On week four, every participant earns a Personalized Homebuyer Certificate & Roadmap — not a participation trophy, but a real document with your actual numbers, your actual plan, and a clear picture of exactly where you stand.

You'll know your readiness score, what you've accomplished, what you still need to do, and your 30/60/90-day path forward. Something you can put in front of anyone — your family, your realtor, your lender — and say: "This is my plan."

Your real readiness score based on the work you did
Credit profile overview and what it means for your options
Savings and down payment status with your target numbers
Payment estimate for your specific price range
Your 30/60/90-day personalized action plan
A record you and your realtor can use to build a timing strategy
Certificate holders get the opportunity to turn it into a pre-approval.
Complete the challenge, earn your certificate, and Chad will sit down with you to convert your roadmap into a real pre-approval — so you're ready to make offers the moment you find the right home.
🏠
Homebuyer Readiness Challenge
Certificate of Completion & Roadmap
Your Name Here
Has successfully completed the 30-Day Homebuyer Readiness Challenge and demonstrated the knowledge, commitment, and preparation to pursue homeownership with clarity and confidence.
Score
Readiness
Plan
30/60/90-Day
Next
Step Defined
Chad Fowers · Fidelity First Funding · NMLS #1332276
You're Not Doing This Alone

The community is half the challenge.

When you join, you get access to a private community of buyers going through the exact same process — same questions, same fears, same goal. That group becomes your accountability system, your sounding board, and your motivation when things get hard.

Ask Anything

No question is too basic. Ask the group, ask Chad, ask the panelists. Get real answers from real people.

Share Your Wins

Every win gets celebrated. Finished your Week 2 tasks? Paid off a card? Share it. The momentum is contagious.

Get Accountability

When you post your goal, the community holds you to it. That's what makes the difference between people who finish and people who drift.

Tackle Struggles

Stuck on something? Post it. Someone in the group has been there — and Chad is in the group too.

Stay Connected After

The challenge ends. The community stays. Come back when you hit milestones, have questions, or just need a push.

Go Further Together

Some people in your cohort will close on a home in 60 days. Others in 6 months. All of them will be better off for having done this together.

Chad Fowers, Utah Mortgage Loan Officer
Your Guide for 30 Days

Chad Fowers

I'm a licensed mortgage loan officer in Utah with Fidelity First Funding. I've worked with buyers at every stage — from "I have no idea where to start" to "we're closing next week." And the ones who struggle the most aren't the ones with the hardest situations. They're the ones who never had a clear plan.

I built this challenge because I kept seeing the same thing — buyers sitting on the sidelines for years not because they couldn't buy, but because nobody took the time to sit down with them and show them the path forward.

This is that. Thirty days. Live. Together. Let's figure out exactly where you stand and what you do next.

Licensed Mortgage Loan Originator · NMLS #1332276
Fidelity First Funding · Company NMLS #3142
801-695-8228 · chad@mortgageprosolutions.com
Serving Utah homebuyers — and in your corner for 30 days
Is This For You?

This challenge was built for you if…

You've been told you're "not ready" but no one ever showed you the actual path to getting there
You're renting and tired of it — you're ready to put in the work to change that
You feel overwhelmed by the process and don't know where to start
You want to understand your real numbers before you sit down with a lender
You're motivated but need structure, accountability, and someone in your corner
You want to be surrounded by people going through the same thing — not doing it alone
You're committed to showing up for 30 days and doing what it takes
This challenge is for educational purposes only and does not constitute loan approval, a commitment to lend, financial advice, credit repair, or legal/tax advice. Mortgage eligibility is subject to full application, credit review, documentation, underwriting, program guidelines, and current market conditions. Down payment assistance and grant programs are subject to availability and eligibility requirements.
Questions

Frequently Asked Questions

Yes — 100% free. No credit card, no catch, no hidden upsell. The challenge is free because the goal is to help you get ready. If you eventually move forward with a mortgage and want to work with me, that's great. But there's no pressure and no obligation.

Every week we meet on Google Meet as a group. Chad covers that week's topic, walks you through the material, and takes live questions. Then we open it up for wins and struggles — what you accomplished from the week before, and what you're still working through. It's real, interactive, and nothing like a webinar.

Life happens. If you miss a call, you'll still have access to the community and the week's materials. Replays may be available depending on the cohort. Do your best to show up live — that's where the real value is.

Absolutely not. This challenge is specifically designed for people who aren't sure where they stand — including people who've been told their credit isn't there yet. Week one is all about understanding your credit so you can actually do something about it.

The live call runs about 60–75 minutes each week. Between-call tasks are designed to take 20–30 minutes total. You can go deeper if you want, but the minimum investment is about 2 hours a week. That's it.

Each cohort may have different panelists from the title, legal, real estate, and credit worlds. Panelists are announced at the start of each challenge. The goal is to give you direct access to the people whose expertise you'll need when you buy.

You earn a Personalized Homebuyer Certificate and Roadmap — a document that includes your readiness score, your credit picture, your savings and payment numbers, and your 30/60/90-day action plan. It's something you built over 30 days, and it's yours to use and share.

That's completely fine — and that's why the community stays open after the challenge. Some people in your cohort will be ready to buy within weeks. Others will have a 6-month plan. Both outcomes are wins. The point is that you'll know exactly where you stand and exactly what to do next.

After the Challenge

The challenge ends. Your path forward doesn't.

By week four you'll have your certificate, your roadmap, and total clarity on where you stand. Here's what the three paths forward look like from there.

Turn Your Certificate into a Pre-Approval

Earn your certificate and you'll have the opportunity to sit down with Chad and convert your roadmap directly into a pre-approval — so you're ready to make offers the moment you find the right home.

Get a Free Game Plan →
Most Common Path

Stay in the Community

Not ready to pull the trigger yet? Stay in the private group, keep working your plan, and rejoin a future cohort when you want another guided month. The community stays open.

Your community stays with you

Start the Search

Some challenge graduates are ready to buy within 30 days. If that's you, Chad will connect you with a trusted Utah agent and your pre-approval will be ready to go.

Chad connects you to a trusted agent
Not sure you're ready for 30 days?
Start with the free Thursday workshop — 60 minutes, no commitment.
See the Workshop →
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Thirty days from now you could have a clear plan, real numbers, and total confidence about your path to homeownership. Or you could be in the exact same place you are today.

The only difference is what you decide right now.

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Reserve Your Free Spot

Show up for 30 days. Walk away with a plan.

Free to join. No credit card. No commitment beyond showing up and doing the work.