Pinned
Dec '25 •
Credit 101
I made a video so you don’t have to read a lot…I’m not much of a reader 🤷🏾♀️ **Your credit score is made up of 5 factors:** 1️⃣ **Payment History (35%)** 2️⃣ **Credit Utilization (30%)** 3️⃣ **Length of Credit History (15%)** 4️⃣ **New Credit (10%)** 5️⃣ **Credit Mix (10%)** **What score do you need to buy a home?** - FHA loan: 580+ (3.5% down payment required) - Conventional: 620+ (but 680+ gets you better interest rates) - Every 20 points can save you THOUSANDS over the life of your loan **Your homework:** Pull your credit reports at smart credit or at https://www.creditscorego.com if you know you will need to repair your credit for as little as $19. If that is too much, uou get one free report from each bureau (Equifax, Experian, TransUnion) every year. Pull all three and see where you stand. **Drop your score RANGE below** (no need to share exact numbers): - 300-579: Let's work on this together - 580-619: You're getting there! - 620-679: Almost home-ready - 680+: You're golden! Where are you at? 👇 💡 **Want to learn exactly HOW to improve each factor?** That's what I teach in 30 Points in 30 Days - week by week action steps that move the needle. [Link to course]
Pinned
Dec '25 •
Welcome to Mortgage Ready Academy! I'm so glad you're here.
Hey there, and welcome to Mortgage Ready Academy! 🏡 I'm Shannon, and I'm SO glad you're here. Whether you're working on your credit, saving for a down payment, or already house hunting - you're in the right place. **Here's how this community works:** **Your first steps:** 1. Introduce yourself below! Tell us where you are in your journey 2. Watch/read the "Credit Score 101" post (coming right after this) 3. Engage! Ask questions, share wins, support each other **A little about me:** I'm a real estate agent AND financial literacy educator. I raised my own credit 115+ points in one summer, and I've helped hundreds of families go from "not yet" to "keys in hand." My mission? Make sure credit never stands between you and your dream home. Let's do this together! 💪 Shannon
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22h •
Best budget planner of all time
I have used several different budget planners and this one is by far my favorite. I ordered my update today and will have a video posted to show how to do it. If you want to follow along order yours at https://amzn.to/4rcpFVI
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20d •
Budgeting for beginners
You can use several different types of budgets to help you get on the right track. -50/30/20 -zero based budget -reverse budget - biweekly budget -automatic bill pay budget What type of budget do you like to use the most?
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24d •
If your credit score is below 700 do this today
Happy Monday! Let me be real for a second 👇 A few summers ago, I pulled my credit and felt overwhelmed and I do this every day. Collections. High balances. Late payments. Score in the low 600s all bc I was grieving my father. I thought, “This is going to take forever.” Here’s the truth I have to share: You don’t fix credit all at once. You fix it one move at a time. My first move? Paying down my highest credit card. That alone boosted my score 15 points in 30 days. Then I did the next thing… and the next. Eventually, I was up 115+ points. 👉 Your ONE thing this week: Pick one action and do it today: - Pull your credit report-https://www.smartcredit.com/?PID=26461 - Pay down one card - Set up autopay - Dispute an error That’s it. One move. Drop it in the comments once you’re done 👇 You don’t need perfection — you just need to start. 💪 Let’s go.
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