
Wondering how lenders decide how much home you can afford?
Join me for the next session in my First-Time Homebuyer Workshop series where we’ll break down:
- How your income and job history factor into qualifying
- How your income and job history factor into qualifying
- What debts matter most (and which ones don’t)
- Strategies to improve your debt-to-income ratio
- Real examples of how different loan programs view qualifying
Date: Wednesday, November 12, 2025
Time: 12:00 – 1:00 pm (Lunch & Learn)
Where: Free Zoom Webinar — cameras off, learning on!
RSVP at www.mortgageporter.com/education
Attendees get access to an online dashboard with recordings of all past workshops, including sessions on credit and down payment strategies.
Let’s make sure you’re fully prepared to qualify with confidence!

Twas the season of spending with American’s splurging over $1100 on gifts this holiday season. Credit card interest rates average around 24% with
If you have student loans that have been on hold for the past three years, your payments are about to resume. Some have replaced the student loan payments they would of had the past few years with new debts, such as car loans, maybe a new home or higher credit card debts. There is no doubt that the “pause” being over may impact many American families.
When Congress resolved the latest debt ceiling with the passing of The Financial Responsibility Act of 2023, both parties agreed to stop the forbearance on student loans payments. Federally backed student loan payments have been paused for the past three years due to the pandemic. Payments on student loans are set to resume following this September and many are not going to be prepared for this.
I have been writing about
As a mortgage professional, I get to review detailed financials when someone is looking to buy or refinance a home via their loan application. Sometimes people are using every cent they can or are maxing out their monthly cash flow in order to have a home. I often have people who come to me because they need help restructuring their high-interest credit card debts. And I also help people who are well established. Personally, I would like to see more people on a path to financial security.
I decided to take 









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