Most buyers apply hoping for the best.This playbook changes that.
A week-by-week action plan for the 90 days before you apply — credit, cash, timelines, and exactly what to do.
- Week-by-week action items — not vague advice
- The real DTI formula your lender runs
- Documents you need before you apply
- What NOT to do in the 90 days before closing
- VA specifics: COE, funding fee, entitlement
- Texas option period, homestead exemption, closing cost breakdown
- Fillable budget worksheet with auto-calculating DTI and payment fields
Your 90-day plan starts here.
Fill in your details and the playbook lands in your inbox in minutes.
Your information stays private. Unsubscribe anytime.
Three phases. Ninety days. One clear path to the closing table.
Most buyers show up to their first lender conversation unprepared. This playbook fixes that — with specific actions for each week of the 90 days before you apply.
Phase 1 — Days 1–30
Credit audit, income and debt calculation, bank statements, and assembling your full document package. Do this right and pre-approval is a formality.
Phase 2 — Days 31–60
Pre-approval vs. pre-qualification, loan type selection, and starting your home search with real numbers — not guesses.
Phase 3 — Days 61–90
Making an offer, navigating underwriting, the Texas option period, and the DO NOT list that keeps deals from falling apart at the finish line.
Fillable Budget Worksheet
DTI calculator, max payment estimator, and down payment tracker — the same math your lender runs, filled in with your actual numbers.
Texas Property Tax Guide
Rate ranges by county, improved vs. unimproved property, homestead exemption, and VA disability exemption — everything that affects your real monthly payment.
Master Checklist & City-Specific Notes
Every action item across all three phases plus notes for El Paso, Houston, DFW, San Antonio, Killeen-Temple, and Central Texas markets.
For buyers who are 60–90 days out and want to show up ready.
This isn't a general overview. It's a working document with specific actions for each week before you apply.
- First-time buyers who want a clear action plan, not general advice
- Veterans ready to use their VA benefit and want to understand the process
- Buyers who've been pre-qualified but want to understand what pre-approval actually takes
- Anyone who's been declined and wants to understand what needs to change
- Self-employed buyers who need to understand how their income gets calculated
- Buyers in Texas who want to understand property taxes, option periods, and homestead exemptions
- Anyone who wants to show up to the closing table without surprises
NMLS #554554
Mortgage Broker
Twenty years inside the system. Now on your side of it.
I spent two decades working inside banks, builder lenders, and national retail mortgage companies. I saw how approvals really happen — and how much of that process stays invisible to the buyer.
Too many buyers walk away believing the answer they got was the only answer available. Before accepting a limitation that may not actually be real, you deserve to understand your options clearly.
That's what this playbook is for. And if questions come up about your specific situation, that's what a strategy call is for.
Get the playbook.Show up prepared.
Free. No obligation. A week-by-week plan so you show up to pre-approval ready — not reactive.