You made a decision that most people never make. You chose to stop drifting and start directing. Your Freedom Builder™ is the bridge between that decision and Your Freedom Blueprint™, the plan that makes it real. Every number you enter becomes a weapon against the debt that has been working against you. Fill it completely. Fill it honestly. Your Freedom Blueprint build starts the moment you submit.
Complete and submit your Freedom Builder™. Your numbers become Your Freedom Blueprint™
We build Your Freedom Blueprint by hand and email it within three business days.
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Before you begin, gather your statements.
We strongly recommend completing this on a computer, not a phone, with your statements in front of you. The form works on a phone, but the boxes are easier to read and fill on a bigger screen.
Have these in front of you: your most recent mortgage statement, a statement for every credit card carrying a balance, a statement for every loan, your last two bank statements, and a recent pay stub.
You do not have to finish in one sitting. Your answers save automatically in this browser. If you need to go find a statement, close this and come back.
Changing devices? Use Save my progress at the bottom of this form. That downloads a small file. On the other device, use Resume a saved form and every answer comes back.
0% completeFill in each section below
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Use the same email address you paid with.
Your confirmation email and Your Freedom Blueprint both go to the address you enter below. Use the same one you used at checkout so we can match you to your order. Type it twice so we know it is right.
Give us your real numbers, not your optimistic ones. A plan built on real numbers produces real results. A plan built on what you hope is true produces frustration. We need the truth so we can hand you a plan that actually works, one that will still be working for you a decade from now when your mortgage is gone.
1
Client Information
Who this plan is for
Required
Required
Valid email required
The same address you used at checkout
Both email addresses must match
Required
Used for text notifications and reminders about your plan milestones
Required
Required
2
Household Income
After-tax take-home pay only
★ What to enter
Your monthly take-home pay, the amount that actually lands in your bank account after taxes. Include every reliable income source: primary employment, spouse or partner income, side income, rental income, any regular deposit. Do not gross up your pay. Enter the actual after-tax amount.
Income Source / Description
Pay Frequency
Amount Per Paycheck ($)
Monthly Net ($) (auto-calculated)
TOTAL MONTHLY NET INCOME
List any income that does not arrive every month: annual bonus, overtime, tax refund, commission, seasonal income, side jobs. We use this to find one-time chances to speed your payoff up. Enter the estimated amount per occurrence and how often it arrives.
Description
How Often
Estimated Amount ($)
Best Month(s) to Receive
This whole section is optional. If you want it included, enter your expected retirement age and your expected monthly retirement income. Leave it blank and we build everything else.
You
Spouse / Partner
$
Pension, Social Security, 401(k). All sources combined.
$
Leave blank if you entered a combined total already
Not sure yet? Leave any field blank and we can estimate. Even a rough target age makes the retirement alignment calculation work.
3
Savings, Checking & Liquid Assets
Checking, savings, CDs and money market accounts
★ List every account: checking, savings, CDs, and money market
Include the current balance for each one. Do not leave anything out.
Checking Accounts
Bank / Institution
Account Description
Current Balance ($)
Savings Accounts
Bank / Institution
Account Description
Current Balance ($)
CDs & Money Market Accounts
Bank / Institution
Type (CD / MM)
Maturity Date
Balance ($)
Voluntary Monthly Savings
List any amounts you voluntarily transfer each month to savings accounts beyond what comes through automatic payroll deductions. Include the monthly dollar amount and the institution.
Account / Fund Description
Institution
Monthly Amount ($)
4
Credit Cards & Revolving Debt
Cards currently carrying a balance
★ Balance-carrying cards onlyList every card currently carrying a balance. Any order is fine. Do not include cards you pay off in full every month. Those are not debt. For each balance-carrying card, we need four numbers: current balance, credit limit, minimum payment, and interest rate (APR). Most people are genuinely surprised when they see their actual APR written down. That surprise is one of the most clarifying moments in this entire process.
We are not here to judge where you are starting from. We have seen every situation, every balance, every income level, every combination of debt. What matters is not where you are today. What matters is that you are ready to move.
Swipe this table sideways. There are more boxes to the right of the ones you can see.
Card / Lender Name
Last 4
Balance ($)
Credit Limit ($)
Min. Payment ($)
Interest Rate (APR, check statement or app)
TOTALS
Quick reminder on APR: if you're not sure, here's how to find it.
Log into your card's website or app → look for "Account Details," "Terms," or "Rates & Fees." You are looking for the Purchase APR, typically a number between 18% and 30%. If you have multiple rates (promotional vs. standard), use the standard rate. If you genuinely cannot find it, enter your best estimate and note the card name. We will work with the best number you have.
5
Installment Debt
Auto, student, personal and medical loans
★ What to enter
Auto loans, student loans, personal loans, and medical payment plans. Every installment debt with a scheduled repayment belongs here. For each loan, enter the current balance (not the original amount), your required monthly payment, and the interest rate. We calculate months remaining automatically from those three numbers.
Swipe this table sideways. There are more boxes to the right of the ones you can see.
Lender / Loan Type
Current Balance ($)
Monthly Payment ($)
Rate (%)
Approx. Remaining
TOTALS
6
Your Mortgage
From your most recent mortgage statement
★ Pull out your most recent mortgage statement before filling this out
We need four numbers from it: your current balance, your interest rate, the principal part of your payment, and the interest part of your payment. Everything else works itself out, including the amount you originally borrowed. Fill it in exactly as it appears. No rounding, no estimating.
Primary Mortgage
Required
$
Required
%
Required
Monthly Payment, From Your Mortgage Statement
$
Required
Labeled "Principal" on your statement
$
Required
Labeled "Interest" on your statement
Combined P&I Total
$0.00
Do not include your Escrow line. You will enter that separately below.
Most loans are 30 years. It is on your statement.
This fills in once you enter your rate, your payment and your Original Term.
This fills in once you enter your balance, your rate and your payment.
Additional Monthly Housing Costs
$
From your statement. Enter 0 if you do not have one.
$
Mortgage insurance. Enter 0 if you do not pay it.
$
Per month. Enter 0 if you have none.
$
📋 Please enter your annual tax and insurance amounts below
Your annual property tax amount can be found on your county tax bill or on the county tax assessor's website. Your annual homeowners insurance premium is on your insurance declarations page or renewal notice. Enter the full annual amount for each and we handle the math from there.
Property Taxes and Insurance, Paid Separately
$
$
Do you have an existing second mortgage or HELOC on this property?
Locate your most recent statement for this loan or line. We need the lender name, current balance, your required monthly payment, and the interest rate.
$
$
%
$
$
HELOC rates are variable. Check your most recent statement for the current rate.
7
Monthly Household Expenses
What you spend each month
★ Honesty here is what makes your plan actually work
List what you spend each month. Every regular bill and expense. We are not going to ask you to cut your spending or change your lifestyle. That is your choice after we build your plan. Right now we just need an accurate picture of where your money goes so we can calculate a surplus that is real, not optimistic. Check your last two or three bank and credit card statements to make sure nothing is missed. When in doubt, round up. Underestimating your expenses leads to a plan that falls apart in real life.
If you pay for something every month that is not listed below, add it to the Everything else box at the bottom.Only include expenses paid from your take-home pay. If something is deducted from your paycheck before you receive it, like health insurance or retirement contributions, leave it out here. We are already working from your after-tax take-home in Section 2, so those costs are accounted for. Listing them again would understate your surplus.
$
Food you bring home
$
Restaurants, takeout, coffee, lunch at work
$
Fuel, parking, tolls, transit, tags
$
Electric, gas, water, sewer, internet
$
All phone lines, streaming, apps, memberships
$
Auto, and any health, dental or life you pay yourself. Leave out anything taken from your paycheck.
$
Copays, prescriptions, anything you pay at the counter
Anything regular that is not listed above. Home repairs, lawn care, storage, club dues, tithing, anything else.
Your Monthly Living Expenses
$0
Your money each month
Money coming in
$0
Money going out
$0
Money left over
$0
The money left over is what your plan runs on. You are not being asked to earn more or spend less. Same paycheck, different order.
$0$0$0
Does the money left over look right to you?
If it looks wrong, the expense numbers are usually why. Scroll back up and make adjustments.
You Have Built the Foundation
The numbers you just entered feed four phases.
Your Freedom Reserve. Your Attack Stack. Your Mortgage Freedom date. Your Freedom Legacy. Your Freedom Blueprint is where every one of them gets your name on it.
8
Additional Notes
Anything on your mind that will help us build the best possible plan for you
Your answers are saved in this browser. You can close this page and come back.
That save only works on this device and this browser. To move to a different device, use Save my progress below. It downloads a small file. Open this page on the other device, click Resume a saved form, and pick that file.
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Print or save a copy before you submit
Print a copy now, or save it as a PDF, so you have your own record of every number you sent us.
By submitting my Freedom Builder, I confirm that the information provided is accurate and complete to the best of my knowledge. I understand that the precision of my Freedom Blueprint depends directly on the accuracy of this information, and that a plan built on real numbers produces real results. My Freedom Builder is submitted securely and used solely by NoMoreMortgage.com to build my Freedom Blueprint: my debt elimination and mortgage acceleration plan, built from my own numbers.
Upon receipt of your Freedom Builder, your Freedom Blueprint will be emailed to you within three business days.
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You Are On Your Way.
Your Freedom Builder has been received. The decision you made, to stop drifting and start directing, is already in motion.
Your Builder has been sent. Expect your Freedom Blueprint within three business days. Email us right away, if any changes need to be made.
A copy of your answers has already downloaded to this device. The Print button opens a printable version you can also save as a PDF.
Your Freedom Builder has been sent.
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Your Freedom Builder is on its way.
Please wait a moment while your Freedom Builder finishes sending.
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No More Mortgage is an education program offered by Gregg Knight, Inc.
19776 Waterview Ln., Huntington Beach, CA 92648 · gregg@greggknight.com · (714) 702-1099
No More Mortgage provides financial education, not financial, investment, tax or legal advice.