Less Conflict
More Clarity
A Real Plan for
Your Home
The Debt-to-Down Payment Conversation helps couples who make good money but keep clashing over finances finally get on the same page. In about 90 minutes, you’ll work through your debt, your savings, and your next steps toward buying your first home together. Completely free.
*This is a free printable PDF workbook designed by Pat Collins - married for 34 years, financial coach, and mortgage professional dedicated to helping couples eliminate debt and buy their first home or keep the home you have.
Get Clear, Get Honest, Get Moving Together
Get Clear
Stop feeling overwhelmed. Know exactly what your money is for and where it needs to go.
Get Honest
Discover the root of what has been keeping you stuck. With empathy and zero judgment, you will finally understand what your partner truly feels about money, debt, and owning a home.
Get Moving
Walk away with a clear, shared path forward. No more guessing. No more silence. Just two people pointing at the same goal.
Here's What's Inside
Six outcomes you walk away with — together.
About 90 minutes, one conversation.
A Conversation That Stays A Conversation And Solves Money Problems
Finally Hear What Your Spouse Actually Thinks About Money And Buying A Home
A Picture Of Exactly Where You Are — And Where You're Going
Understand Why You've Really Been Fighting And Nor Moving Forward
A Seven-Layer Drill Down To The Reason That Actually Matters Most
Walk Away On The Same Page — In Alignment
"The couples who get out of debt and into their first home are not the ones who make the most money. They are the ones who finally sit down together, tell each other the truth, and get aligned - about the debt, the home, and what they are actually working for." - Pat Collins
About Me
I’ve been where you are. My wife and I have navigated 34 years of business and real estate together—including the stress that comes with it. I combine my professional expertise as a financial coach, lender and realtor with my lived experience to help you get to the root of your financial friction. This workbook is the shortcut to ending the conflict and building your future on a shared foundation.
Stop Waiting
Start The Conversation
Get the free workbook. Run the conversation this weekend.
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