Confidently Closing

The Comprehensive Guide
to Buying Your First Home without losing money

Do you want to buy a house, but don't know where to start?
Or have you been thinking about it but aren't
sure if you're ready yet?

Confidently Closing: The Comprehensive Guide to
Buying Your First Home Without Losing Money
is the ultimate resource to guide you through
the home-buying process!

Only: $49

Tell me if you have ever worried about…

⭐️ how much you actually need to have when it comes to buying a home

⭐️ are you throwing away money for renting and should you buy a home right now?

⭐️ how to get the best interest rate on your home so you save the most money

⭐️ if you can actually afford a mortgage

⭐️ trying to buy a home when you don’t know what all of those confusing terms real estate agents talk about like escrow and earnest money deposit even mean

Then this is the perfect guide for you!

Why you need this guide

Buying a house is an important life step that you don’t want to take lightly, especially if you don’t come from generational wealth. But believe when I say that your dream home is within reach – all you need are the right tools. 

Get everything you need to know

A lot of the jargon when it comes to buying your first home can get confusing, when all you want is something straightforward to help you get a full picture of your finances, and the house buying process, without getting overwhelmed.

With this guide, you don’t have to worry about that. I’m giving you everything you need to feel confident that you’re ‘adulting’ like a real pro! Whether you’re ready to start the process today or want to plan for later down the line, this guide will be the ultimate resource for you to refer back to when it feels right for you.

Imagine if…

⭐️ you knew exactly what to save for a down payment

⭐️ you knew about all of the hidden fees so you felt confident with your purchase

⭐️ you knew all of the secret ways to get the best possible interest rate saving you tens of thousands of dollars 

⭐️ you knew all of the steps of the process and real estate terms so that the banks and lenders couldn’t take advantage of you

⭐️ next year you were standing in the front lawn of your dream home holding the keys

Let’s do this!

What’s included?

The workbook will take you through the basics and beyond, including:

  • How to know if home-buying is right for you
  • Benefits of buying a house (that aren’t just living in it)
  • Easy and actionable ways to clean up your credit score
  • Calculating how much you need to save for a down payment
  • How to research mortgage options that feel right for you
  • Preparing for all of the hidden costs
  • … and so much more!

On top of all that…

You’ll also be given journaling prompts throughout to help you manifest the home of your dreams. Whether that’s a Pinterest worthy city condo, an expansive 3-bedroom house surrounded by trees, or a cute bungalow by the sea, you will get the home you deserve!

This guide will also have a dictionary of terms that explain common buying lingo so that you don’t feel lost in your conversations with your realtor, banks or sellers. This workbook will give you the framework to confidently guide you through the home buying process every step of the way. 

Get your guide today for $49

Everything you need to know about the home buying process
and confidently closing on your first home without losing money. 

Terms of Use

The Home Buying Workbook

Please read the Terms of Use for the Program carefully and in their entirety before purchasing and using Confidently Closing (hereinafter referred to as the “Program”). The Program and its content are owned by Judy Esber + Hear Me Finance, LLC.

  1. Definitions:

“Company”, “We”, “I”, “Our”, or “Us” means Judy Esber + Hear Me Finance, LLC.

“Participation”, “Participating”, “Using”, or “Use” means reading, implementing, trying, or otherwise engaging in the Program.

“You” or “Your” means the purchaser and person using the Program

  1. Consent:

By participating in the Program, you implicitly and voluntarily agree to act in accordance with, agree to, and abide by, these Terms of Use.


By participating in the Program, you understand that Judy Esber is a money coach. 

This Program is for informational and educational purposes only. The information and education provided in this Program is not intended or implied to supplement or replace the professional advice of an attorney, accountant, and/or financial advisor. You should contact a professional in those areas (financial, legal, accounting, etc.) in person with someone where you live or work to discuss issues or questions pertaining to your particular legal, financial, or business situation. 

Although we do our best to make sure all of the Program’s content is up to date and/or accurate, we do not make any representation that all the information is accurate or free of errors at all times. We do not assume any responsibility for accuracy of the Program’s information, or its safety or efficacy as it applies to you.

  1. Assumption of the Risk

You should use your best judgment in using the information provided in the Program, which is done at your own risk. It is your responsibility to discern the risk of using the Program or its content. You assume responsibility for your actions, choices, or lack thereof, related to the Program. 

  1. Intellectual Property Ownership:

The Program and its content, including, but not limited to, Confidently Closing are intellectual property owned by Judy Esber + Hear Me Finance, LLC.  Any violations of this term, and all terms contained herein, will be legally pursued to the fullest extent permitted by law.

  1. Purchase & Access Terms:

You cannot distribute, copy, forward, and/or share the Program or its content with anyone else. Any violations of these Terms & Conditions will be legally pursued to the fullest extent permitted by law.

  1. No Claims Made Regarding Results:

Any and all current or past-client testimonials, statements, or examples used by us are simply that: examples. They are not guarantees that you will also experience or receive the same results. Each person and his/her circumstances are unique and nothing shall be interpreted as a guarantee that you will experience the same results as another client of ours. 

We don’t make any assurances as to any particular financial-based outcome based on the use of or participation in the Program. We are not responsible for the success or failure of your business, business decisions, income, sales, or any other result of any kind that you may have as a result of your participation in the Program.

  1. DISCLAIMER – No Warranties, Guarantees, or Representations Are Being Made:

We do not offer any representations, guarantees, or warranties, of any variety, regarding the Program in any way including, but not limited to, your future income, sales, potential, profitability, or losses derived as a result of your use of the Program. The Program is offered “AS IS” and without representations, guarantees, or warranties of any kind, including but not limited to, implied warranties of merchantability and fitness for a particular purpose, neither express nor implied, to the extent permitted by law.  We are not liable for damages of any kind related to your use of the Program.


  1. Your Release of Us, Indemnification, Hold Harmless:

To the fullest extent permitted by law, Hear Me Finance, LLC expressly disclaims liability for any direct, indirect, and/or consequential damages suffered by you related to your purchase or use of, or participation in, the Program, its materials, our website, or any other information obtained by you from us. By enrolling in the Program, you hereby agree to this limitation of liability and release Hear Me Finance, LLC  from any and all claims.

By participating in and/or purchasing the Program, you agree to release, forgive, forever discharge, defend, indemnify, and hold harmless Hear Me Finance, LLC, our subsidiaries, employees, agents, contractors, subcontractors, shareholders, directors, officers, coaches, assignees, licensees, and affiliates from any and all claims, suits, actions, charges, demands, liabilities, damages, judgments, and/or costs, related to, or arising out of, your purchase of or participation in the Program and/or your breach of any obligation, warranty, covenant, or representation set forth in these Terms of Use. 


By enrolling in the Program, you agree to release us from any and all claims, and further agree to at all times defend, indemnify, and hold harmless Hear Me Finance, LLC as stated in this section herein.

  1. Our Refund Policy:

We will do everything within our ability (and within reason) to ensure your satisfaction. Due to the downloadable nature of the Program, refunds will not be issued for the Program once it is purchased. If you have any questions or concerns, or if there is anything we can do to make your experience a more pleasant one, please email the Hear Me Finance team at


If you have any complaint or should any issue arise in the use of the Program, please contact us directly first by emailing the Hear Me Finance team at


However, if we are unable to amicably resolve your dispute in that manner, you agree that you and Judy Esber + Hear Me Finance, LLC shall submit your dispute to binding arbitration with the American Arbitration Association, before an arbitrator that is mutually agreed upon, in accordance with the American Arbitration Association’s (“AAA”) rules.

By agreeing to this term, you hereby agree and understand that you’re waiving your right to a jury trial in court, which would otherwise be available to you if not for this Arbitration Clause. Should any arbitration hearing need to be held, it shall be held within 10 miles of Los Angeles, California.

If the arbitrator issues an award and a judgment is made, the judgment will be binding and will be entered in court in the State of California. The only award that can be issued to you is a refund of any payment made to Hear Me Finance, LLC for the applicable Program. You are not permitted to seek additional damages, including consequential or punitive damages.

  1. Payment + Purchase Terms

When you pay for the Program by credit card, you authorize and give permission to Hear Me Finance, LLC to charge your credit or debit card for the amount owed for payment of the Program. When you purchase the Program, your information (i.e. credit card and contact info) may be collected by the third-party merchant Stripe, who may have privacy policies or security practices that are different than ours. Judy Esber + Hear Me Finance, LLC is not responsible for the merchant’s independent policies or practices.

In the event that payment is not successfully made by the due date, you have a three (3) day grace period to make your payment of the Program. If such payment is not received, your access to and participation in the Program will not continue. If you fail to make payment within the grace period or at any other time, you are still responsible for all payments for the full cost of the Program.


  1. Limitation of Liability:

Hear Me Finance LLC  is not responsible or liable in any way for any and all damages you receive directly or indirectly from your participation in the Program. We do not assume liability for damages, injuries, harm, death, misuse of (or failure to properly use) the Program or its content, due to any act, or failure to act, by you. IN NO EVENT SHALL WE BE LIABLE TO YOU FOR ANY INDIRECT, SPECIAL, EXEMPLARY, OR CONSEQUENTIAL DAMAGES.

  1. Severability 

The provisions of these Terms of Use shall be deemed severable, and the invalidity or unenforceability of any provision shall not affect the validity and enforceability of any other provision hereof. If any Section, subsection, sentence, or clause of these Terms of Use shall be adjudged illegal, invalid, or unenforceable, such illegality, invalidity, or unenforceability shall have no effect on the Terms of Use as a whole or on any Section, subsection, sentence, or clause hereof not expressly so adjudged.

By purchasing and/or participating in the Program you implicitly signify your agreement to all of the terms in these Terms of Use.

If you have any questions about the Terms of Use, please contact the Hear Me Finance team at Thank you.