Score yourself across 5 pillars — income stability, credit position, down payment reality, debt-to-income runway, and life timing — and walk away knowing if you're ready now, 30-90 days away, or 6-12 months out.
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You'll see the real math on what happens when you sit on the sidelines — including how a rate drop often triggers price increases that cancel out your savings. This isn't opinion. It's a side-by-side payment comparison that makes the cost of inaction impossible to ignore.
Lenders don't care what you earn. They care what you can document. You'll learn how W-2 employees, self-employed borrowers, 1099 workers, nurses with overtime, teachers on contracts, and veterans with housing allowances all get evaluated differently — and which loan programs match each income type.
You'll learn the real credit tiers that matter for mortgage approval, why credit can move 40-80 points in 60-90 days with the right strategy, and how people with scores well below 700 are buying homes right now using programs most lenders won't mention.
The 20% rule hasn't been real for decades. You'll see the actual minimum down payments across every major loan type — including zero-down options — plus the layer of down payment assistance programs that can cover most or all of your upfront costs. Some of these programs convert to grants after a few years.
By the end, you'll have a number between 0 and 100 that tells you one of three things: you're ready now, you're 30-90 days out with a specific gap to close, or you're 6-12 months out with a clear roadmap. No more guessing. No more scrolling at midnight wondering if you can afford it.
This is not a generic homebuyer education class or a sales pitch disguised as a webinar. There's no pressure to apply for anything. You'll walk away with a self-scored assessment across 5 specific pillars, a clear timeline based on your actual situation, and an understanding of the programs and loan types that exist for people exactly like you.
Brad Brondt has been a licensed mortgage loan officer since 2009 — meaning he started originating loans right after the biggest housing crash in American history and has worked through every rate environment since. He's helped first-time buyers, veterans, self-employed business owners, healthcare professionals, teachers, and tradespeople buy homes, including many who walked in convinced their situation was hopeless. The 5-pillar Readiness Score framework taught in this webinar is something he's refined over thousands of real conversations with real buyers.