Enter Your Debts
List all your debts below with their balances, interest rates, and minimum payments.
Debt Payoff Strategies
Debt-to-Income Ratio (DTI)
Monthly Budget Planner
Path to Mortgage Readiness
Quick Wins (Next 30 Days)
- Get a copy of your credit report at annualcreditreport.com
- Dispute any errors you find
- Pay down credit cards to below 30% utilization
- Never miss a payment — set up auto-pay
Medium Term (3–6 Months)
- Pay off small debts completely to lower your DTI
- Keep paying above minimums on high-interest cards
- Check your credit score monthly
Long Term (6–18 Months)
- Get your credit score to 620+ (FHA minimum) or 740+ (best conventional rates)
- Get your DTI below 43% (FHA) or 36% (Conventional)
- Save for down payment and closing costs
- Get pre-approved and find your home
Ready to Talk?
Call us at (316) 869-2287 or email ShawnLandRealEstate@gmail.com to discuss your situation.