Lisa, RealTalk Credit
You might be closer to buying a home than you think.
Former Underwriter · 20 Yrs at the Approval Desk · Helping renters get Mortgage Ready in plain language, from the inside.
Best Next Step
Mortgage Ready Roadmap
"I know I need to get ready but I don't know where to actually start."
You focus on your score and miss the number your lender is really looking at. This roadmap shows you the full picture before you ever sit across from one.
What You Get
The exact factors lenders review when they pull your file
Why DTI matters more than your score and how to check yours
What employment history, reserves, and documentation signal to an underwriter
Best for Loan Type
FHA VS Conventional Snapshot
"My lender said just do FHA. I signed. Nobody explained the difference.
FHA and Conventional aren't better or worse they're built for different purposes. This shows you which one fits your file and what each one actually costs.
What You Get
Which lane fits your file right now based on your file not just your score
Why MIP actually is and how long you're paying it
The calculation that controls how much house you afford and if you cross the finish line
Best For Affordability
DTI Workbook
“I keep hearing DTI but I don’t know what mine is.”
Your debt-to-income ratio is the number that gets you approved. Most don’t know this number before they apply. Do you know yours?
What You Get
Google Sheets workbook enter your numbers, see your DTI
Shows how your credit score changes your monthly payment
Understand exactly where you stand before you apply
Best for Cutting Debt
Credit Card Tracker
"I'm paying every month but my balance never goes down."
Minimum payments are designed to keep you paying forever. This tracker shows you exactly what to pay each week, in what order, to lower your balance and your DTI at the same time.
What You Get
Weekly payoff plan showing exactly what to pay each period
Which card to attack first to move your score fastest
Tracks new charges so your payoff plan stays on track
Best For Cash Reserves
Cash Flow Control Pack
“I have no idea if I have enough cash to actually close.”
You saved for a down payment and thought that was enough. Then came closing costs and reserves. This pack shows exactly how much cash you need to close before you apply.
What You Get
Shows exactly how much you need to close
Down payment and closing cost calculator
Monthly savings plan mapped to your mortgage ready timeline
Best For Debt Reduction
Mortgage Prep Payment System
“I need to know exactly what to pay, when, and in what order I can’t keep guessing.”
You know you need to pay down debt but you don't know which to pay first. This system maps the exact payoff order so you stop guessing and start moving the numbers lenders actually look at.
What You Get
Which debt to pay first to move your DTI before you apply
Paying the wrong debt first could be costing you
Sequencing strategy to move DTI and utilization together
Best For That One Question
Mortgage Q&A Call
“I have one question that’s been holding me up and I need a straight answer from someone who actually knows.”
Closing costs. DTI. Employment gaps. Collection accounts. Gift funds. Whatever your one question is you’ll get a direct answer from a former underwriter who made these decisions for 20 years. No runaround. No sales pitch. No being sent to a lender who gets paid when you close. Just the real answer.
What You Get
30-minute live phone call with Lisa
3-day Telegram follow-up chat for clarifying questions
Intake form required so Lisa can prepare before you call
Mortgage Ready Audit
“I want someone who actually knows what they’re looking at to review my file and tell me exactly where I stand.”
This is the most complete picture you can get before you ever sit across from a lender. Lisa reviews your credit file the way an underwriter would and delivers a Loom video walkthrough showing you exactly what she sees, what’s working, what’s holding you back, and your exact next steps.
What You Get — $97 Audit
✓ Full lender-perspective review of your credit file via MyScoreIQ
✓ Loom video walkthrough watch it on your schedule
✓ Clear action plan exactly what to do and in what order
✓ 3-day clarifying chat for follow-up questions
What You Get — $197 Audit + 30-Day Chat
✓ Everything in the $97 Audit
✓ 30 days of chat access for ongoing strategy
More Tools in the Toolbox → SEE ALL TOOLS
