Questions are a good place to start.

• Where you are right now, and what usually comes next
• What the costs tend to look like in plain numbers
• Which questions are worth answering before you shop
• Anything from the Starter Kit that didn't quite land

This is a conversation, not a preapproval. There is no credit check and no application. If you decide later that you want to apply, that is a separate step you choose on your own.

1. 1Pick a time that suits you. The call is 30 minutes.
2. 2Times shown on the booking page are in your own time zone. Dwayne works on US Eastern time.
3. 3You'll get a confirmation with the call details. Phone or video, whichever you prefer.
4. 4If something comes up, reschedule from that same confirmation.

You don't need documents or numbers to have this conversation. If you happen to have any of these handy, it helps:

• A rough idea of what you earn each month, if you have it
• Anything you already owe each month — a car payment, student loans
• The area or price range you have been looking at, even loosely
• Your questions, written down. Nothing is too basic.