# Pat Collins


## Pages

- [Privacy Policy](https://patrickdcollins.com/privacy-policy/): ★ Legal Privacy Policy. This Privacy Policy explains how PDCC LLC collects, uses, and protects your information when you use our website and services, including SMS marketing, email marketing, appointment reminders, and website tracking tools. Last Updated: June 16, 2026 On This Page 1. Introduction 2. Information We Collect 3. How We Use Your Information 4. Cookies & Tracking Technologies 5. How We Share Your Information 6. Your Choices 7. Data Security 8. Children’s Privacy 9. Updates to This Policy 10. Contact Us Contact Email:support@patrickdcollins.com 1. Introduction PDCC LLC (“we,” “us,” or “our”) is committed to protecting your privacy. This Privacy
- [Terms & Conditions](https://patrickdcollins.com/terms/): ★ Legal Terms & Conditions. These Terms & Conditions govern your use of this website and the SMS and email communication programs operated by PDCC LLC. Last Updated: July 31, 2026 Applies To patrickdcollins.com Website, SMS & Email Terms On This Page 1. Program Description 2. Consent to Receive Messages 3. Age Restriction 4. Opt Out 5. Opt In Again 6. Help and Support 7. Message Frequency and Rates 8. Carrier Disclaimer 9. Privacy 10. How We Share Your Information 11. Changes to These Terms 12. Contact Contact Email:support@patrickdcollins.com 1. Program Description These Terms & Conditions govern your use of the
- [Contact Me](https://patrickdcollins.com/contact-us/): ★ Contact Pat Collins Let’s Start The Right Conversation. Have a question about money, debt, mortgages, or homeownership? Tell me what is on your mind. The first step toward clarity is having an honest conversation about where you are and where you want to go. Send Pat A Message → No Pressure. Just Clarity. A real person. A real conversation. A practical next step. Whether you are trying to get aligned with your partner, reduce debt, understand a mortgage option, or prepare to buy a home, your message will start in the right place. Clear, straightforward communication Guidance built around your
- [Tools](https://patrickdcollins.com/tools/): ★ Free Financial Tools Use the numbers to make better decisions. Start with the free Debt-to-Income Calculator built to help you understand the number lenders review closely and prepare for homeownership with more clarity. No signup required Front-end and back-end DTI Educational planning tool Featured Mortgage Tool Debt-to-Income Calculator Debt-to-income compares your monthly income with your proposed housing costs and recurring debt payments. It is one of the most important numbers lenders review when evaluating mortgage readiness. Estimate both front-end and back-end DTI Include housing costs and recurring monthly debts Use the result as a starting point for a mortgage plan
- [Resources](https://patrickdcollins.com/resources/): ★ Free Resource Library Practical resources for your money and home journey. Browse free calculators, workbooks, and practical mortgage guides designed to help you reduce debt, make clearer money decisions, and move forward with a real homeownership plan. Six free resources available now Money and mortgage guidance More resources added regularly Free Couples Workbook The Couples’ Money Conversation A guided conversation to help couples stop avoiding the money issues and build a shared plan for debt, savings, and homeownership. Featured Resource Stop circling the same money argument. This guided workbook helps couples talk honestly about money without blame, understand what is
- [Home](https://patrickdcollins.com/): Practical Money & Homeownership Guidance Start Your Home Journey Join my free newsletter for practical money, debt, and homeownership guidance that helps you reduce financial friction and build a clear plan — together. Free forever. No spam. Unsubscribe anytime. Want the workbook too? Get The Couples’ Money Conversation → 34 Years NavigatingMarriage, Business & Real Estate 3 Roles WorkingFor Your Financial Clarity $0 Hype.Just A Real Plan. “I help couples stop circling the same money argument — and start building the future they actually want.” You don’t need more shame. You need a shared plan. I’ve been where you are. My
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- [Privacy Policy](https://patrickdcollins.com/privacy-policy-old2/): Who we are Suggested text: Our website address is: https://patrickdcollins.com. Comments Suggested text: When visitors leave comments on the site we collect the data shown in the comments form, and also the visitor’s IP address and browser user agent string to help spam detection. An anonymized string created from your email address (also called a hash) may be provided to the Gravatar service to see if you are using it. The Gravatar service privacy policy is available here: https://automattic.com/privacy/. After approval of your comment, your profile picture is visible to the public in the context of your comment. Media Suggested text:

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