Just wanting to give a shout out to this group! In just 1 month of getting acquainted with everyone I’ve worked with just in conversation, you all have given me confidence and the push I needed to know I can do this! The encouragement from Kolisha, the knowledge from Michelle and the professionalism from Avery! I’ve already started to see an increase in credit but more importantly just closer to my goals! Thanks guys in advance for this space of building and networking!

I'd like for you all to give a huge welcome to @Kendra Cain and @Brianna Nelson for joining. They've taken their first step toward homeownership. We want them to have all the resources they will need to make informed decisions.

Everyone Welcome @Ollicia Richard to the Homebuyers Cohort! We’re excited to have you with us and ready to help on your journey to homeownership. 😊🏡

I want to welcome @Tony Simpson to the Homebuyers Cohort! I'm excited to be helping him take advantage of his VA benefits to build or buy a multiunit property. Can't wait to celebrate your closing day!!!

Good Morning Good People! I hope you are all having a wonderful week! Understanding your debt-to-income ratio is one of the most important steps you can take before you start shopping for a home. It's one of the most misunderstood numbers in the mortgage process. Your DTI tells your lender one thing: after paying all of your monthly debts, do you have enough income left to comfortably carry a mortgage payment? The answer to that question can be the difference between an approval and a denial. We are living in a season where the financial pressure on everyday people is real. The cost of higher education has left millions of Americans carrying student loan balances that follow them long after graduation. Groceries, gas, childcare, and everyday expenses have all climbed. Credit cards have quietly become the gap-filler for a lot of households just trying to keep up. The result? Two of the biggest obstacles I'm seeing block buyers from qualifying right now are student loan debt and high credit card utilization. In many cases, it isn't a lack of income or bad financial decisions, but the weight of the times we're living in showing up on a mortgage application. As you are approaching the home buying process, it's important to know where you stand and if you are not where you need to be, to craft a plan to get there. During a mortgage readiness call we sit down together, look at your real numbers, and build a plan around your specific situation — not a generic checklist, but a clear path forward built for you. I've attached a document explaining more about Debt to Income, What It Is, Why It Matters, and How to Improve Yours. I look forward to heading from you!