What happened with your credit?
Life happens — millions of homeowners have been exactly where you are. Pick what fits and I'll give you a straight answer about where you stand.
How long ago was it discharged or completed?
This one answer drives what programs exist for you — be as accurate as you can.
What are you trying to do?
Programs differ for buying vs. refinancing after a credit event.
How much can you put down?
Include savings, gift funds from family, and anything from selling assets.
Where's your credit score today?
Your best guess is fine — no pull happens here. Most of these programs need a 620 or better.
How do you document your income?
Both W-2 and self-employed borrowers qualify — self-employed can use bank statements instead of tax returns.
Where should I send your game plan?
I'll review your answers personally and tell you honestly whether now is your moment — or exactly what to do until it is.
Got it, there.
Here's your snapshot — and my honest read on it.
🔒 No SSN, no credit pull, no documents on this form — by design. Equal Housing Lender.