When starting the process of buying you will get loads of information. As a first time buyer, things may not make sense. I encourage you to have a journal in hand throughout the process. You can always go back to read and re-read, jot questions down and reminders. BTW- it will all make sense later. Take one phase at a time and trust the process.

Before you start looking at homes, make sure your credit profile is actually mortgage-ready — not just “good enough.” A few things lenders usually look at: ✅ Payment history✅ Credit utilization✅ Collections/charge-offs✅ Recent late payments✅ Debt-to-income impact✅ Credit mix and open accounts One of the biggest mistakes I see is people waiting until they’re ready to apply before checking what’s hurting their approval chances. Your credit should be prepared before the lender pulls it. If anyone in here is working toward buying a home and wants to know what may be holding them back, I’m happy to point you in the right direction.

Please welcome @Andrea Duncan and @Keunshay Branch to the portal. Ladies be sure to go to our classroom and watch the playback of our “From Renting to Keys” session. Glad to see you both here.

Some loan programs require 0–3.5% down. Plus, many cities and states offer down payment assistance grants that don't require repayment. Here in Houston, for example, there are downpayment assistance programs that offer up to $125,000 in downpayment assistance! The goal isn't to save the perfect amount. It's to save strategically and use every available resource. 💬 Are you currently saving for a down payment? What's your strategy? #DownPayment #HomebuyersCohort #DownPaymentAssistance #HomeownershipGoals

Hey Folks.. I hope you are having a great week! Wanted to remind everyone if you have not already registered for my May 6th webinar, to do so at the link below. I will be sending out materials a head of time and I want to make sure everyone gets them in time to come prepared! https://mortgage.smartbuyerclass.org Can't wait to see everyone again!