Your credit score won't get you approved alone.

Here's what lenders actually look at.

People chasing their score are missing the number that controls approval. This FREE checklist shows you the full picture before you ever sit across from a lender.

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20+

Years Lending

10K+

Reports Reviewed

Zero

Conflict

I'm Lisa.

Former Loan Officer · Underwriter · Supervisor

For over 20 years I sat on the other side of the desk making lending decisions. I reviewed thousands of credit files and I know exactly what gets people approved and what gets them denied.

I didn't learn this from the internet. I learned it from inside the lender's chair.

What lenders actually look at

Your real mortgage score
Not what Credit Karma shows. The score lenders actually pull and why the gap matters.

DTI the number that controls your loan amount
Your score gets you in the door. DTI determines how much house you can actually buy.

Employment and income the part that surprises people
Good credit and solid income still isn't enough if your income isn't documented the way lenders need to see it.