Financial Fitness Check.

Financial Fitness Check: Is Your Wallet IE Ready? 🏠💪
New year, new goal: trading that rent receipt for a mortgage statement. 🥂 But before we go house hunting in Riverside or San Bernardino, we need to make sure your finances are “Inland Empire strong.”
Here are the 4 big things you need to tackle to be mortgage-ready in 2026:
1. The Credit Glow-Up: Lenders are looking for a score of 620+ for conventional or 580+ for FHA. Aim for 700+ to snag those better 2026 rates, which are hovering in the 6% range. 📈
2. DTI Diet: Your Debt-to-Income ratio is the heavy hitter. Try to keep your total monthly debts under 45–50% of your gross income so you have more “buying power” for that IE dream home. 📉
3. The “Hidden” Fund: It’s not just the down payment (which can be as low as 3–3.5%!). You also need a stash for closing costs (usually 2–5%) and moving day tacos. 🌮💰
4. The Golden Ticket (Pre-Approval): Don’t just get pre-qualified; get pre-approved. It shows IE sellers you’re serious and lets you know exactly what you can afford before you fall in love with a kitchen. 🎫

Reach out to me today to start your fitness check!