Step One · Front-End Plan
Keys Before Credit Quick Start Plan
A simple, step-by-step roadmap to help you start preparing for homeownership — without perfect credit.
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What's included
- Mortgage readiness workbook
- Credit readiness checklist
- Know your numbers worksheet
- Debt-to-income worksheet
- Savings plan
- 90-day action plan
- Progress tracker
Who it's for
Built for renters who are ready
- You rent and want to own — eventually or sooner.
- Your credit is in the 500s or 600s.
- You've been told 'no' or are scared to ask.
- You don't know what lenders actually need.
- You want a plain plan instead of more guessing.
What you'll be able to do
By the end of the weekend
- Know your real starting point in under an hour.
- Spot the credit moves that move your score the fastest.
- Write a 90-day plan you can actually follow.
- Save with a clear monthly goal — no more wondering.
- Walk into a lender's office prepared, not nervous.
Why it works
Made by someone who has sat on both sides of the desk
Built by a HUD-certified housing counselor and former mortgage broker. This isn't theory — it's the same prep used to walk real buyers from renting into closing.
Common questions