Books & Guides
Learn it first. Then decide.
Two free guides for the two questions we are asked more than any others, written by the person you would actually be working with. No cost, no obligation, and nothing you have to sit through.
Start here — free
Two questions we answer every single week.
So we wrote them down properly. Both are free, both arrive by email in a couple of minutes, and taking one does not sign you up for anything.
Free · PDF
First-Time Homebuyer's Adventure
If you have never bought a house, nobody tells you what order things happen in. This walks the whole journey start to finish — what to do first, what the words mean, and the places people get stuck.
Send me the guideIt's free — we just need an email address to send it to.
Free · PDF
How To Remove Your Mortgage Insurance
Plenty of homeowners pay mortgage insurance for months or years longer than they need to, purely because nobody told them it can be removed. This explains exactly how, and when you become eligible.
Send me the guideIt's free — we just need an email address to send it to.
Why we bother writing these
An informed borrower is a better borrower.
Not a sales tactic — a practical one. The conversations that go well are the ones where somebody already understands roughly what they are asking for.
If you want the whole thing
The Wealth Builder's Mortgage Guide
The guides above answer one question each. The book is the long version — what a mortgage actually is once you stop treating it as a bill and start treating it as the largest financial instrument you will ever hold.
Written for the person who has been told a mortgage is just debt. It covers what the different loan types genuinely do, how the pre‑approval process really works, and how people use property financing deliberately rather than accidentally.
- ✛What each mortgage type is genuinely for — and who it quietly costs money.
- ✛How to use a mortgage as a wealth tool instead of a monthly obligation.
- ✛The pre‑approval process, step by step, without the jargon.
- ✛The decisions that quietly cost people the most over thirty years.
Read it, then let's talk.
When you're ready to put any of it into practice, the first conversation is free and costs you nothing but fifteen minutes.
Kings of Lending is a mortgage team led by Victor Salazar operating under E Mortgage Capital, Inc., NMLS #1416824. Victor Salazar, NMLS #2052167, DRE #02211532. Equal Housing Opportunity. These publications are general educational material and are not financial, legal or tax advice, nor an offer or commitment to lend. Every situation differs; nothing in these guides should be relied on as a promise of any particular loan, rate, term or approval. All loans are subject to credit approval, income and asset verification, property appraisal and underwriting guidelines, and not all applicants will qualify. Digital products are delivered by email after checkout and are non-refundable once delivered. Email addresses collected here are used to deliver what you requested and to contact you about Kings of Lending; they are not sold or passed to third-party marketers, and you may unsubscribe at any time. Paperback editions are sold and fulfilled by Amazon under Amazon's own terms.
