What Is Your Credit Score Range?

720+ (Prime financing territory)

620 – 719 (Solid baseline for most conventional and FHA loans)

Below 620 or Unsure (May need a quick credit optimization plan)

How much money do you currently have set aside for a down payment and closing fees

20% or more of my target home price

3% to 7% of my target home price

Less than 3%, but I am actively saving monthly

How do your existing monthly debt payments (student loan, credit cards, auto loans) compare to your gross income?

Low (Existing debts take up less than 15% of my income)

Moderate (Debts plus a future mortgage would take up under 45% of my income)

High (Existing debts take up more than half my monthly paycheck)

What best describes your current employment situation?

2+ years in the same job or field with steady W-2 income

Recently graduated into my field or recently switched roles with consistent pay

Self-employed or variable income with less than 2 years of tax history

What does your housing payment history look like over the past 12 months?

Paid rent and utilities on time every single month

Mostly on time with one or two minor delays ay

Inconsistent payments or currently living rent-free

How long do you anticipate living in your next home or geographic area?

3 to 5+ years (gives the property time to appreciate)

2 to 3 years

Less than 2 years or uncertain

How do you feel about property control and landlord rules?

Ready for complete control, I want to customize my space, own pets, and build stability

Neutral, I like the idea of ownership but do not mind renting

I prefer letting a landlord handle all repairs, maintenance, and property decisions

What is your primary motivation for wanting to purchase a home?

Building personal wealth and equity instead of funding a landlord's investment

Curious to see what my current rent could buy in today's market

External pressure from family, peers, or social media

How do you view Interest Rates and Market Timing?

Focused on long-term time in the market rather than trying to time the market

Waiting to see if interest rates or prices drop in the next few months

Overwhelmed by real estate news and unsure who to trust

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