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.

Hi everyone! meet our newest cohort member, Clintara! We’re excited to have her with us and look forward to assisting her throughout her homebuying journey. We’re here to support, encourage, and celebrate each step along the way. Welcome, @Clintara Berry ! 🎉🏡

We’re so excited to have you here! This community was created to help you move from dreaming about homeownership to actually holding the keys. Through education, accountability, financial planning, expert guidance, and peer support, we’re here to make sure you don’t have to navigate this journey alone. Our goal is to create a supportive space where we learn together, grow together, and celebrate every win along the way—from improving your credit score to getting pre-approved to closing day. One of the most important parts of this cohort is COMMUNITY. We believe your journey gets easier when you’re surrounded by people who understand the process, can encourage you, and can help keep you accountable. Let’s start by getting to know each other! Drop an introduction below and share: ✨ Your name ✨ Where you’re from ✨ Your goal date to purchase your home ✨ What excites you most about becoming a homeowner Whether your goal is 3 months away or 12 months away, you belong here. This is your year. Let’s build it together. Welcome home. 🏠