A 12-month mortgage readiness plan covering lender qualification benchmarks by loan type, DTI targets, down payment strategy, rate shopping without hurting your score, and down payment assistance programs most buyers don't know about.
Pull all three credit reports. Calculate your DTI. Identify the loan type you qualify for. Set your target score and timeline.
Dispute errors. Lower utilization. Avoid new credit applications. The guide explains exactly which actions to take — and which to avoid — in the 6 months before applying.
Calculate your target down payment by loan type. Research DPA programs in your state. Set up a dedicated savings account with the right structure for gift fund documentation.
How to get multiple rate quotes without multiple hard inquiries. What to compare beyond the interest rate. How to read a Loan Estimate. What to negotiate before closing.
3.5% down with a 580+ score. 10% down with a 500–579 score. Higher mortgage insurance costs than conventional — the guide shows you the break-even point where conventional becomes cheaper.
As low as 3% down with a 620+ score. PMI drops off at 20% equity. Best total cost for buyers with strong credit — but stricter DTI requirements than FHA.
0% down, no PMI, competitive rates. The guide covers VA funding fee structure, eligibility requirements, and how to use your benefit if you've used it before.
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