🏡 Buying a House Ain’t Hard You Just Need the Right Realtor

Oct 10 (edited) • 🐐 Coach Corderro Currie

Man, I make home buying the simplest thing possible.

Everybody else might try to make it hard but when you come to Realtor Corderro Currie, I’m gonna break it down real simple real easy.

✅

Step 1: Know Your Real Credit Score

We’re not talking about Credit Karma, Identity IQ, or Smart Credit. Those don’t show your mortgage FICO score, which is the only one lenders care about.

👉 Go to https://www.myfico.com/mortgage?utm_medium=cpc&utm_source=google&utm_campaign=12562086660&utm_content=707839884643&utm_adgroup=120263936155&utm_term=fico%20mortgage%20score&utm_type=e&utm_target=kwd-330575991522&utm_device=m&gad_source=1&gad_campaignid=12562086660&gbraid=0AAAAAD2-kXG7mGBERzFbkk9xnL2N2Hl5u&gclid=Cj0KCQjw3aLHBhDTARIsAIRij5_FzF12YSn9opw_o_9w5Qb7BwDNhJ7uNqYeHjF8iz8-umThc63rmAIaArw3EALw_wcB

and check your Mortgage FICO Score.

You’ll need at least a 580 or higher to qualify for most first-time homebuyer programs.

💼

Step 2: Have Stable Employment

If you’re a W-2 employee, lenders want to see at least 2 years of job history with W-2s and pay stubs.

Even if you only have 1 year, you may still qualify and I can help you figure that out.

If you’re self employed or 1099, you’ll need:

2 years of tax returns 📑
Proof that your income is growing and not decreasing

✅ Example:

2023 – $50,000

2024 – $75,000

That’s solid growth.

But if your income drops from $75K to $50K, lenders see that as a risk.

🧾

Step 3: Keep Consistent Work History

Lenders like to see at least 2 years of steady employment, even if you changed jobs within your field.

If you’ve had long gaps in between jobs or switched industries often, that’s something we’ll plan around and I’ll help you structure your file the right way.

Remember, it’s not just about where you work, it’s about showing stability and consistency.

💰

Step 4: Have Some Money Saved Up

Even if I help you get into a house with zero down, you’ll still need to show the bank that you’ve got some savings.

I recommend saving at least $5,000 or more.

The more you save, the better because it helps with: