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.

Please welcome @Iris Green to our HC program. With our help, she’ll be able to make informed choices regarding her homeownership goals.

Hi All! Hope all of you are enjoying your summer but staying out of this heat! 😁 I wanted to share an event I am co-hosting with PVAMU Extension to celebrate Homeownership Month. As each of you are on your own journey to home ownership month, education is key. I'll be presenting my free workshop "How to Buy A Home in 60 Day". We will cover: -> Are you ready to buy? -> Finding the right home. -> What's behind the underwriting curtain. -> How to get the keys to your new home in your hands. Register at the link in bio. I hope to see some of you there! :-) https://mortgage.smartbuyerclass.org

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!