Use DTI Pre-Check before applying Estimate closing costs + monthly payment Ask about Down Payment Assistance options Florida homeowners: get free monthly valuation reports Compare rent increases vs equity growth Use DTI Pre-Check before applying Estimate closing costs + monthly payment Ask about Down Payment Assistance options Florida homeowners: get free monthly valuation reports Compare rent increases vs equity growth

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All Pages & Tools

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Core

Rent vs Buy Compare renting vs buying using rent growth, equity, costs, and long-term outcome. Home Affordability Estimate price range and payment comfort using income, debts, taxes/insurance. DTI Pre-Check (Advanced) Enter multiple debts with frequency; calculate DTI + projection + report. Mortgage Calculator Monthly payment + amortization; plan scenarios with taxes/insurance. Buyer Closing Costs (Planned) Estimate cash-to-close and closing costs by scenario.

Renters

Future Rent Projection (Planned) Project your rent increases using historical trends and assumptions. Rent Increase Tracker (Planned) Track rent over time and compare to homeownership costs. Credit Improvement (Planned) Action steps to improve score and reduce interest costs.

Buyers

Cash-to-Close (Planned) Estimate total funds needed: down payment + closing costs + reserves. First-Time Buyer Quiz (Planned) Guided quiz to match loan programs and steps. Offer Strategy (Planned) Guidance on offers, concessions, repairs, and negotiation.

Owners

Live Market Rates Fast page; click “Load Widget” only when you want the live rates. Free Monthly Valuation + Area Report Monthly home value + area report + rate monitoring/refi alerts. Refinance (Planned) Refi breakeven + savings projection. HELOC / Home Equity (Planned) Estimate HELOC payments and compare to refi/second mortgage. Homestead / Tax Savings (Planned) Estimate tax savings using homestead + caps.

Sellers

Net Proceeds / Cost to Sell (Planned) Closing costs + mortgage payoff + net proceeds estimate. Buy vs Sell / Upgrade (Planned) Compare selling vs staying; include payment differences. Seller Closing Costs (Planned) Estimate typical seller costs and credits.

Loan Programs

Loan Programs Overview (Planned) Quick match tool for FHA/VA/USDA/Conv and scenarios. FHA Loans (Planned) Requirements + pros/cons + typical costs. VA Loans (Planned) Eligibility + funding fee + benefits. USDA Loans (Planned) Income/area eligibility + benefits. Conventional Loans (Planned) PMI rules + down payment options. Down Payment Assistance (Planned) DPA options and how to qualify.

Business

Business Loans (Planned) Startups vs existing; documentation + options. SBA Loans (Planned) SBA loan overview + typical requirements. DSCR Loans (Planned) Investor DSCR loans and guidelines.

Contact

Contact Ask questions or request a review of your numbers and options.

Credit Score Improvement Roadmap

If your credit score is not where you want it, you are not alone. This page gives practical steps to improve credit and become mortgage-ready. This is educational information only. We do not provide credit repair services for a fee on this site.

First-Time Buyer Guide DTI Pre-Check Dispute Templates

Step-by-step roadmap

Get your reports from all bureaus and review for accuracy.
Reduce utilization (credit card balances compared to limits). This often helps quickly.
Avoid new debt right before applying, unless part of a strategy we discuss.
Dispute true errors (not accurate debts). Use documented disputes and keep records.
Build positive history (on-time payments, stable accounts, low utilization).

If you are not sure what is hurting your score

Tell us what you see and we will suggest a practical plan. Expect a call from 352-988-4900 or 407-347-3420.