Qualified

The playbook I wish someone had handed me.

Most people don't fail to buy a home because they can't afford one. They fail because nobody ever explained them the guidelines and what they'll need to look like at the time of underwriting. Qualified is the book I wrote to fix that. It takes the years of real client stories behind my five-star reputation and turns them into preemptive clear, step-by-step instructions for getting mortgage-ready, whether your closing date is next quarter or a couple of years away.

Inside, you will learn how to budget for the costs most buyers underestimate, repair your credit in the order that actually moves your score, pay down debt in a smart waterfall process and, if you are self-employed, show substantial income while still sheltering it from the IRS. These are the same strategies I walk my clients through every day. This book is education, not a sales pitch, and there is no obligation attached.

• How to budget for the down payment and closing costs most buyers underestimate
• Credit repair steps that actually move your score before you apply
• The debt paydown waterfall: which balances to attack first to grow your buying power
• How self-employed and 1099 borrowers use tax add-backs to qualify for more
• Student loan strategies that free up income for a mortgage payment
• A saving discipline that turns someday into an actual closing date
• How to build the right team so nothing slips through the cracks