Your Mortgage Prescription:

Congratulations! You Are Mortgage Ready!

Based on your answers, you look Mortgage Ready!

Your Next Steps:

  1. Click the APPLY NOW button below to start filling out our online application.
  2. Don or a member of his team will contact you to talk more and give you your Mortgage Pre-Approval letter.
  3. With a Mortgage Pre-Approval letter, you can shop with confidence and have peace of mind by knowing exactly how much you can comfortably afford.


It’s no surprise that having consistent employment and saving money takes discipline and perseverance. Generally, lenders are looking for two consecutive years of full-time employment in the same company or industry to qualify for a mortgage. There are also some unique scenarios where income and assets can compensate. If you want a detailed analysis, ask us a question to learn more!


Based on your answers, it looks like your credit is below 620. The first thing you will need to do is take some time to improve your credit. Now is the time to pay off debt, and buckle down on spending. We have some great resources to help you raise your credit score. Once you’ve got a solid FICO score above 620, you’ll be one step closer to being mortgage ready. In the meantime, contact one of our loan officers to learn about credit improvement scenarios. We will help analyze your credit using our What If” credit simulator. Then give you real world credit improvement advice to get you on the right track.

Debt to Income (DTI):

Based on your answers, it looks like your debt-to-income amount(%) is a little high. Most loans require you to be below 55%. We have helped lots of people like yourself to develop a plan to help get you back on track! We’ll always be transparent about the best course of action to help you get where you want to be. Let’s schedule a time to talk to an expert and we’ll help guide your next steps. 

Down Payment:

Based on your answers, it looks like you might need to set aside a little more money towards your down payment. Savings, gift funds and seller contributions are just a few ways to get additional funds to go toward you downpayment. Check out our down payment resources to get more information. 

Evaluated by:

That Mortgage Guy Don