Homebuyer Workshop: Qualifying for a Mortgage – Your Job, Money and Debts


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!

Your Credit and Buying a Home Workshop: Homebuyers Workshop Series


Our first workshop was a lot of fun, and we covered quite a bit – if you would like access to “Getting Started with Homeownership” please reach out to me. [Read more…]

Holiday Hangover – Did You Overspend this Season?

Twas the season of spending with American’s splurging over $1100 on gifts this holiday season. Credit card interest rates average around 24% with some department store cards pushing 30%; making it very difficult for some to pay off the debt.

Lendingtree reports that 42% of those who charged holiday gifts regret adding to their debts.

If you’re feeling a bit of a financial hangover from the holidays, you can take some steps to help ease the headache of credit card debts. [Read more…]

Do You Have Student Loans?

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. [Read more…]

Are You a Co-Signer on a Student Loan?

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. [Read more…]

Trouble making your monthly payments? Please don’t wait to refi.

I have been writing about how high credit card interest rates have climbed with the Fed raising the funds rate. If you’re not paying off your entire credit card bill each month, you are probably owing a bit more due to the high credit card rate. Credit card debt can be an uphill battle. [Read more…]

5 Steps to Creating Financial Security

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.

Here are a few suggestions for your consideration… not necessarily in this exact order and your plan may vary depending on your financial situation or goals. [Read more…]

Holy cats! My credit card interest rates!

I decided to take my own advice that I’ve been dishing out about credit cards and debts. Today I reviewed my credit card accounts to see what my current interest rates are. I’m pretty lucky to have great credit and that I’m able to pay off my debts monthly. [Read more…]