I want to buy
my first home.
Understand credit, down payments, preapproval, and the real cost of owning a home. Start with the questions that matter.
Explore the first steps ↓Your homeownership conversation starts hereMore knowledge.
More knowledge.
More confidence.
More possibility.
Homeownership starts with understanding your options. Get plain-language mortgage education for Black and Brown families, first-time buyers, and anyone ready to take the next step.
THE BLACK AND BROWN FOLK CHANNELWATCH NOW
A different way to think about college housing
Practical ideas. Real properties. Financing explained.
30+ years of mortgage experienceWashington, D.C. mortgage guidanceEducation for every stage of ownership
Start where you are
Build a plan you understand.What’s your next move?
I want to buy
I own a home.
What comes next?
Talk through refinancing, equity, or renovating. Compare costs and goals before deciding whether a new loan makes sense.
Discuss your options ↗I want to understand
real estate investing.
Look beyond the asking price. Explore property cash flow, renovation plans, and the financing behind a potential investment.
Explore REIProforma ↗Watch the conversation
Visit the YouTube channel ↗Mortgage talk. Made human.
A different way to think about college housing
Watch Ken’s explanation, then explore the accompanying property analysis.
Read the related analysis ↗Keep learning with Black and Brown Folk.
Find more conversations about credit, homeownership, and financing directly on the channel.
Browse all videos ↗Your next question could be the next topic.
Have a mortgage question you would like Ken to explain? Send it in, and subscribe on YouTube for new videos.
Subscribe on YouTube ↗Videos load from YouTube only when you select play. You can also watch directly on the channel.
Property conversations with Ken
Vacant homes & renovation ideasSee the possibilities.
Selling a vacant property as-is
Watch Ken’s vacant-property video, then explore the related REIProforma article.
Read the related article ↗A look at Woodridge renovation
Watch Ken’s Woodridge renovation video and bring your own renovation financing questions to the conversation.
Discuss renovation financing ↗From REIProformaReal Estate Analysis
Explore the articles ↗Real Estate Analysis
for Real People.
Your Vacant D.C. Property May Be Worth More to a Renovation Buyer Than You Think
How a HUD 203(k) Consultant Work Write Up Can Help Turn an “As Is” Property Into an Understandable Investment Opportunity If you own a…
Read on REIProforma ↗Can Roommates Help Pay for Your Student’s College Housing?
How a D.C. fixer upper could turn four years of housing expense into a family real estate investment What if the money a family…
Read on REIProforma ↗726 Columbia Road NW 20010
726 Columbia Road NW 2001 Real Estate Investment Analysis
Read on REIProforma ↗Meet your host
Ken Bossard, MBA
With more than 30 years in mortgage lending and an MBA in Real Estate Development, Ken brings a lender’s perspective to the questions buyers and property owners ask every day.
Mortgages for Black and Brown Folk makes financing easier to understand, with education centered on Black and Brown communities and open to everyone.
Start a conversation ↗Before you apply, get oriented.
What should I do first if I want to buy?
Review your credit, monthly debts, savings, and comfortable housing budget. A mortgage conversation can help you identify what to prepare before shopping. Your full payment may include taxes, insurance, association fees, and mortgage insurance.
Can I talk to Ken before I am ready to apply?
Yes. Use the consultation link to discuss your goals, timeline, and questions. Send sensitive financial documents only through a secure application or approved lender channel.
Where does Ken provide mortgage services?
Ken is licensed as a mortgage loan officer in the District of Columbia. Educational content is available to everyone. For financing outside D.C., contact Ken to discuss whether a referral is appropriate.
Are featured strategies guaranteed to work for me?
No. Videos and articles provide general education. Loan eligibility, property requirements, occupancy rules, program availability, costs, and investment results depend on the specific situation. Confirm current requirements before relying on an example.
Turn understanding into a next stepYou bring the questions.
You bring the questions.
Let’s build your plan.
Buying, refinancing, or just figuring out where to begin? Start with a conversation about your goals.