Credit & Mortgage Readiness Review

Buying a home, refinancing, or taking out equity starts with understanding your current financial standing. I will review your credit, income, debts, and overall mortgage readiness and provide a clear step-by-step plan to help you qualify with confidence.

This service includes:

• Review of credit report

• Review of income documents (T4s, NOAs, job letter, pay stubs, etc.)

• Review of existing mortgage, debts, and liabilities

• Qualification assessment based on lender guidelines

• Debt ratio analysis (GDS/TDS)

• Personalized action plan to improve approval chances

• Suggestions for suitable lenders and mortgage options

• Optional: strategy call via Zoom

Ideal For:

• First-time homebuyers

• Refinance clients

• Self-employed borrowers

• Anyone unsure of their current mortgage qualification

I aim to give clear, accurate, and professional guidance based on 20+ years in the financial industry.