Walk into any lender with every document stacked, every number cross-checked, and a 90-day credit plan already working. The kit first-time buyers wish they had before their first underwriter call.
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What's Inside
The 14-category document checklist. W-2s, pay stubs, bank statements, tax returns, ID, retirement, gift letters, rent history, HOA docs. Printable, tickable, ready for the folder.
Self-employed addendum. 1099s, profit-and-loss statements, 2-year income averaging worksheet, and the CPA letter template most lenders will accept.
Lender comparison worksheet. Side-by-side scoring across rate, APR, origination fees, discount points, lender credits, and 30-year total interest. The real winner at a glance.
Rate-shopping script. The exact language to get quotes without wasting calls, plus the 14-day inquiry window rules so multiple pulls only ding your score once.
90-day credit improvement plan. The three actions that move scores fastest: utilization below 30 percent, dispute inaccurate tradelines, no new credit for 90 days.
Debt-to-income (DTI) calculator. The number every underwriter cares about, with the monthly payment targets you need to stay under 43 percent.
Gift letter template. The exact language lenders want when part of your down payment comes from a parent or family member. Avoid the 60-day seasoning headache.
Red flag audit. The 9 things in your bank statements that underwriters will pause on (large cash deposits, overdrafts, multiple recent inquiries) and how to clean them before you apply.
Pre-approval letter explainer. What the letter actually commits the lender to, what it does not, and how to use it in an offer without over-disclosing your max.
Free companion checklist. The one-page Mortgage Document Checklist to print and stick inside your home-buying folder.
How It Works
Pull your credit (free through AnnualCreditReport.com), run the DTI calculator, and do the 9-flag bank statement audit. Know the numbers before a lender does.
Push every credit card below 30 percent utilization (under 10 percent is even better). This alone moves most scores 20 to 40 points inside one billing cycle.
File disputes on inaccurate tradelines (takes 30 days by law). Do not open anything new. Keep income steady. Start gathering the 14-document stack.
Run the rate-shopping script across 3 to 5 lenders in a 14-day window. Fill the comparison worksheet. Pick the winner. Walk in with every document already uploaded.
Who It's For
You are a first-time buyer and the document list the lender sent you reads like a foreign language.
You are self-employed or have 1099 income and every lender you have called has a different answer.
Your credit score is close but not ideal and you have 60 to 90 days before you want to make an offer.
You want to shop lenders properly without nuking your credit with a dozen hard pulls.
FAQ
The printable kit that turns "what do I even need?" into a folder of documents and a lender who says yes on the first pass.
30-day money-back guarantee. No questions asked.
Next step after pre-approval
Home Buyer Checklist ($22). The full 5-phase path from pre-approval letter to keys in hand.
Free Mortgage Document Checklist. The one-page version, print it for your folder.