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Credit • Income • Documents • Stability
Buying a home isn’t just about your credit score.
Lenders look at the full picture — your income, debt, savings, documentation, and overall financial habits.
The ACS Homebuyer Readiness Checklist helps you understand exactly where you stand before speaking to a lender — and what to prepare to strengthen your approval position.
If you can check off most of these items, you’re already closer to pre-approval than you think.
✔ Credit readiness (score ranges, tradelines, utilization, collections)
✔ Income & employment stability
✔ Debt-to-income ratio (DTI) positioning
✔ Savings & reserve planning
✔ Required documentation preparation
✔ Rental history readiness
✔ Lender interview preparedness
✔ Financial stability self-check
Inside this 8-page readiness guide, you’ll review:
• FHA vs Conventional credit benchmarks
• Ideal DTI approval ranges
• Down payment & closing cost preparation
• Emergency reserve expectations
• Required documents checklist
• Pre-approval organization steps
• Self-assessment stability questions
Homeownership is not just a financial process — it’s a stability process.
Preparation builds confidence.
Clarity builds power.
First-time homebuyers
Renters preparing to transition into ownership
Buyers unsure if they’re “ready yet”
Clients working to improve credit
Anyone wanting to approach a lender strategically
This checklist gives you structure before you apply — not after you’re denied.
Instant digital download.
This checklist is provided by Assertive Consultation Services, LLC for educational and administrative purposes only. It does not constitute legal, financial, mortgage, tax, or investment advice. Use of this resource does not create an attorney-client, financial advisor-client, or lender-client relationship.
Mortgage qualification guidelines vary by lender, program, and individual circumstances. Users are responsible for confirming current requirements with licensed mortgage professionals.
For personalized legal, financial, or mortgage advice, consult a licensed professional.
This resource is licensed for single-user use only. Redistribution, resale, or sharing is prohibited.
Download the ACS Homebuyer Readiness Checklist and assess your full financial picture before applying for pre-approval.
If you would like a personalized Readiness Review Session, schedule a Homebuyer Strategy Consultation with ACS.
✔ Credit positioning review
✔ DTI calculation assistance
✔ Down payment planning
✔ Documentation audit
✔ First-time buyer roadmap
Book your session here:
[Book Now]
Preparation turns “someday” into strategy.
Credit • Income • Documents • Stability
Buying a home isn’t just about your credit score.
Lenders look at the full picture — your income, debt, savings, documentation, and overall financial habits.
The ACS Homebuyer Readiness Checklist helps you understand exactly where you stand before speaking to a lender — and what to prepare to strengthen your approval position.
If you can check off most of these items, you’re already closer to pre-approval than you think.
✔ Credit readiness (score ranges, tradelines, utilization, collections)
✔ Income & employment stability
✔ Debt-to-income ratio (DTI) positioning
✔ Savings & reserve planning
✔ Required documentation preparation
✔ Rental history readiness
✔ Lender interview preparedness
✔ Financial stability self-check
Inside this 8-page readiness guide, you’ll review:
• FHA vs Conventional credit benchmarks
• Ideal DTI approval ranges
• Down payment & closing cost preparation
• Emergency reserve expectations
• Required documents checklist
• Pre-approval organization steps
• Self-assessment stability questions
Homeownership is not just a financial process — it’s a stability process.
Preparation builds confidence.
Clarity builds power.
First-time homebuyers
Renters preparing to transition into ownership
Buyers unsure if they’re “ready yet”
Clients working to improve credit
Anyone wanting to approach a lender strategically
This checklist gives you structure before you apply — not after you’re denied.
Instant digital download.
This checklist is provided by Assertive Consultation Services, LLC for educational and administrative purposes only. It does not constitute legal, financial, mortgage, tax, or investment advice. Use of this resource does not create an attorney-client, financial advisor-client, or lender-client relationship.
Mortgage qualification guidelines vary by lender, program, and individual circumstances. Users are responsible for confirming current requirements with licensed mortgage professionals.
For personalized legal, financial, or mortgage advice, consult a licensed professional.
This resource is licensed for single-user use only. Redistribution, resale, or sharing is prohibited.
Download the ACS Homebuyer Readiness Checklist and assess your full financial picture before applying for pre-approval.
If you would like a personalized Readiness Review Session, schedule a Homebuyer Strategy Consultation with ACS.
✔ Credit positioning review
✔ DTI calculation assistance
✔ Down payment planning
✔ Documentation audit
✔ First-time buyer roadmap
Book your session here:
[Book Now]
Preparation turns “someday” into strategy.