Your credit score and your debt load decide more than whether you qualify for a mortgage — they decide your interest rate, your monthly payment, and how much home actually fits your budget.
A first-time buyer in Fargo pulls their credit report for the first time and finds an old collection account they didn't know about. Clearing it up before applying bumps their score enough to unlock a meaningfully better rate.
A move-up seller in West Fargo pays off a car loan a few months before listing, which lowers their debt-to-income ratio just enough to qualify comfortably for the next mortgage without stretching their budget.
A past client who already owns their home uses this module to tackle a credit card balance that's been sitting untouched for years, freeing up both money and peace of mind that has nothing to do with buying or selling.
With your credit and debt picture in focus, it's time to turn saving into an actual plan. Continue to Module 4: Saving for Down Payments, Upgrades & Life Events, or head back to the Financial Bootcamp hub to choose a different track. You can also run your numbers through the affordability calculator, or schedule a 1:1 strategy session with Rochelle any time.