Back to plan
phase 01
know your numbers.
Get clear on your real starting point before picking a lender, loan, grant, or price. Credit, debts, and what you can actually afford.
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more moves in this phase
Not everyone needs these. Add one when it's the actual next move.
- Pull your real mortgage FICO scores
- Pull all 3 credit reports
- Compare the 3 reports side by side
- Flag anything wrong, unfamiliar, duplicated, or outdated
- Review the last 24 months for late payments or major negatives
- Calculate utilization on each credit card
- Identify which revolving accounts are hurting you most
- List every monthly payment a lender will count as debt
- Calculate your current DTI
- Estimate what a lender may approve you for
- Set the monthly housing payment you'd actually be comfortable with
- Compare 'lender approval' to 'comfortable payment'
- Name your primary blocker: credit, DTI, cash, or unknown data