Lisa, RealTalk Credit
Finally, a clear path to getting mortgage ready before you start house hunting.
Former underwriter helping future homebuyers become mortgage ready before they start house hunting
Best for Loan Type
Find Your Lane
"Everyone said just do FHA. Turns out it was not even my best lane."
FHA, Conventional, VA, and USDA, side by side. See which loan your file is built for and how much home it puts within reach, before you ever talk to a lender.
What You Get
See which lane your file actually fits
What each one really costs, monthly and long term
Approved versus comfortable reach for a payment you can live with
Best For Affordability
DTI Workbook
“I keep hearing DTI but I don’t know what mine is.”
Your debt-to-income ratio is the number that gets you approved. Most don’t know this number before they apply. Do you know yours?
What You Get
Enter your numbers, see your DTI
Shows how your credit score prices and affects payment
See what's left after you pay credit obligations
Best For Cash Reserves
Cash Flow Control Pack
“I have no idea if I have enough cash to actually close.”
You saved for a down payment. Then came closing costs and reserves. This pack shows exactly how much cash you need to close before you apply.
What You Get
Shows how much cash to close
Down payment and closing cost calculator
How much to save each week to hit your goal
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