top of page
home keys
The Home Buying Conversation

Right now more than ever, Americans are making the decision to invest in their future through home ownership.

If you are like most home buyers you have many questions about the home buying process starting with the application process. 

  • What credit score do I need to qualify for a mortgage?

  • How do I know how much house I can afford?

  • What kind of loan should I get?

  • How much will I need to put down?

  • How long will it take for my loan to close? 

If you've had challenges with your credit in the past, you may even have another set of questions.

  • Will certain things on my credit report disqualify me from getting approved for a home loan?

  • Has my bankruptcy been discharged long enough?

If you have asked yourself any of these questions but don't know where to start, you have come to the right place. 

As someone who spends her life advocating for people to understand the important role their credit history plays in most long-term financial decisions, I want you to ask yourself one important question:

How do banks and lenders see/classify me as a potential borrower? 

Before you fill out a loan application for a pre-qualification letter, it is important that you know that every borrower falls within one of the five credit classifications (deep subprime, subprime, near-prime, prime and super-prime) and your credit classification determines your loan terms and interest rate.


In my opinion, just because you can "qualify" for a home loan with a subprime credit score, that doesn't mean you should move forward with a loan. Why? Because having a lower credit score can and will cost you THOUSANDS of dollars more over the life of your loan.


When preparing to make a long-term financial commitment like buying a home, you should do the work to increase your credit score ahead of time to get the best interest rate possible. With a little (or maybe even a lot) of work and a lot of patience, you can position yourself to get a higher pre-qualification amount towards your home, lower interest rate and lower down payment.

Planning ahead is key.


A lot of times just planning ahead by 2-6 months can save you thousands of dollars and the heart ache and frustration that can accompany the home buying process when you go in unprepared. 

Let me help make your home buying experience an exciting and pleasant one!


I have a network of reputable and proven real-estate agents and mortgage lenders all over the country and we all have one goal in mind; to help you get from the pre-qualification stage all the way to the front door of your new home as seamlessly as possible.

Home buying should never be a guessing game, my goal is to make you a well qualified and well educated borrower.

Want to sit down and discuss your path to home ownership with a custom plan designed to get you from pre-qual to the closing table?


Sign up for my Closing Conversation, a two-part, 2 hour conversation where I walk you through the ends and outs of the home buying process and look at your credit reports BEFORE you submit your first loan application to check for any red flags or issues that may exist that will cause lenders to deny or stall your mortgage approval. I will talk you through the steps we will take to fix any issues we may discover on your credit report and contact agents and mortgage lenders in your market to find out their recommendations for correcting these issues BEFORE we submit your application. Once we have a plan in place we move forward to get you approved and through a seamless closing. This process helps you avoid a lot of the unknown and last minute "surprises" that can occur during underwriting. 

While I can't guarantee a "perfect" closing with no hiccups, I guarantee that through this process you will have a more seamless application and closing by working through potential obstacles from the beginning.

Ready to get started? 



Black Credit Conversationalist

bottom of page