One week of “gifts” can set your timeline back months. Keep credit card balances low, avoid new store cards, and don’t finance anything with a payment — even if it’s “0%.” Underwriting sees all of it. ✨ What holiday purchase are you unsure would hurt your approval?

😂 Sometimes the cure for stress isn’t in Google… it’s just helping a client lower their DTI (debt-to-income ratio) and celebrating with a little treat!

Richard Woodward
Your 5-Star Rated Mortgage Lender
Branch Manager, NMLS# 217454
📞 214-945-1066
🌐 MortgageProsUS.com

Whether you’re just starting to save, ready to get pre-approved, or exploring different loan options, my team and I can guide you every step of the way.
—
Richard Woodward
Branch Manager | NMLS #217454
📱 Voice/Text: (214) 945-1066
🌐 www.MortgageProsUs.com
NEXA Mortgage | NMLS #1660690 | Plano, TX

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