Step 1
Pull your credit report 90–180 days before applying
Most denials I see aren't about income — they're about last-minute surprises: forgotten collections, errors on file, or credit card utilization spiking unexpect…
Free resource
The 10-step checklist before applying for a mortgage.
The same framework I walk through with every client before they fill out a single application. Leave your name and email — it lands in your inbox in 60 seconds.
What you will receive
Not theory — the same framework as the book Antes de Decidir.
- The 10 exact steps I walk through with every family before applying
- Mistakes that kill approvals — and how to avoid them
- FHA, conventional, VA: which one fits your profile
- How to document income if you are self-employed or have a side hustle
- Full PITI: the real number to target
Send me the checklist
No spam. One-time send, straight to your inbox.
First 3 steps (preview)
Preview of the content.
Step 2
Know your real DTI before falling in love with a house
The lender does not look at take-home pay — they look at Debt-to-Income ratio: ALL your monthly debts (cards, car, student loans) plus the proposed house paymen…
Step 3
Document EVERY dollar of income in a lendable way
W-2 employees: 30 days of paystubs + 2 years of W-2s. Self-employed: 2 years of complete tax returns with all schedules. If you have side hustle or unreported c…
The remaining 7 steps land in your email. Prefer to talk first? Reach out directly.