“WHAT IF MY CREDIT ISN'T GOOD ENOUGH?”
You don't want to apply just to be told no. And you aren't even sure which credit score matters.

You want to buy a house. But you don't know if your credit is good enough, how much cash you'll need, or where to start. This free class helps you find out what matters and what to do next.
Maybe you look at houses online every week. You can picture yourself living there. But every time you think about taking the next step, the same questions stop you.
You don't want to apply just to be told no. And you aren't even sure which credit score matters.
You hear you need 20% down, then someone says you can buy with zero down. Which is it?
The price of the house is one number. The actual monthly payment is another. You need to understand both.
You don't need to know everything about mortgages. You need someone to show you your options and give you a plan.
You don’t need to have everything figured out. If buying a home is on your radar for the next year, this class will help you understand where you stand and what to do next.
Whether you’re paid hourly, on salary, self-employed, or 1099, you want to know what income a mortgage lender can actually use.
You see homes you like, but you’re not sure whether buying one is realistic yet. Let’s get you some actual answers.
Maybe you’re ready today. Maybe you need six months to prepare. Either way, you want a plan instead of more guessing.
You want someone to explain credit, cash to close, payments, and loan options in plain English.
That’s okay. You can still learn what mortgage lenders look for and what to work on next. A 90-day game plan does not mean everyone will be ready to close in 90 days.
You shouldn’t have to apply for a mortgage just to get basic answers. Here’s what we’ll break down together in about 60 minutes.
Why the score you see in an app may be different from your mortgage credit score, and what lenders really look at.
Down payment, closing costs, prepaid expenses, and the options that may help reduce what you need at closing.
How USDA, VA, and other low-down-payment options work, and why $0 down doesn’t always mean $0 cash to close.
How price, rate, taxes, insurance, and mortgage insurance affect the payment, so you can set a budget that works for you.
The steps from application to house hunting to closing, and what can slow the process down.
Walk away knowing what to do first, what could hold up your approval, and the steps to take over the next 90 days. If you need more time, you’ll know what to work on.
Here's how to go from wondering whether you can buy to knowing what your next move should be.
Register for the live Zoom class. Bring your questions. You don't need to complete a mortgage application to attend.
Understand credit, income, cash to close, monthly payments, and the loan programs that may fit your situation.
Know what to work on over the next 90 days, whether you're ready to shop soon or need more time to prepare.

I'm Channing, a mortgage broker. My job is to help buyers make sense of their options and navigate the steps between their first question and getting the keys.
I've met plenty of people who assumed they couldn't buy because of credit, savings, or something they heard online. Sometimes there's work to do first. Sometimes they're closer than they think.
I teach this class because you deserve to understand what you're working toward before you start making big decisions. I'll explain it plainly and help you see what to do next.
Behind every closing photo is a real person who had questions at the beginning. These are the moments we're working toward.







Real moments from home closings. Every buyer's financing options and timeline are different.
You should feel confident about who is guiding you through one of your biggest decisions. Here’s what buyers have shared about working with us.
Join the free live class. Find out what matters for your credit, cash to close, and monthly payment, then leave knowing your next move.
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