Lisa, RealTalk Credit
Before You Apply, Know What Lenders Will Actually Look At.
Former Underwriter · 20 Yrs at the Approval Desk · Helping renters get Mortgage Ready in plain language, from the inside.
Build the file before you apply
Mortgage Prep System
Most buyers focus on the credit score. Lenders look at the full file.
The Mortgage Prep System helps you understand the five areas that matter before you sit down with a lender: loan fit, DTI, cash needed to close, funding options, and document readiness.
What’s Inside
Mortgage Ready Snapshot
See where your file may fit across FHA, Conventional, USDA, or VA.
DTI Workbook
Calculate your debt-to-income before the lender does.
Cash Flow Control Pack
Estimate your down payment, closing costs, escrow, reserves, and monthly savings target before you apply.
Funding Map
Understand grants, gift funds, assistance programs, closing cost help, and where your money may come from.
Clear to Close Guide
Know what documents to gather before the loan officer asks.
For buyers who want to walk into the mortgage process prepared, not guessing.
WANT EYES ON YOUR ACTUAL FILE?
Mortgage Ready Audit
A lender-style review of your credit file before you apply.
I review what may be helping, hurting, or holding your mortgage file back, then give you a clear action plan so you know what to work on next.
Choose Your Review
$97 Audit
Credit file review + Loom walkthrough + 3-day follow-up chat.
$197 Audit + 30-Day Chat
Everything in the Audit, plus 30 days of chat support for ongoing strategy.
Best for buyers who want personalized file feedback before they sit down with a lender.
Check out our Blog → Blog.RealTalkCreidt
