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Are you finally ready to take the necessary steps to become a homeowner? Are rental increases and qualifying criteria becoming a challenge? Are you ready to build wealth and legacy through real estate? Are you financially fit, but not sure what steps to take next? If you answered “Yes” or even considered the possibly, this workbook was curated for you! Some of us didn’t have the benefit of growing up in a home owned by our family or even being taught that it was a possibly. The good news is when you know better, you have the option to do better. The first step is making a decision to get serious about your desire to OWN real estate. It’s one thing to have a desire for something, it is something totally different to be prepared to take the necessary steps to make it happen! The second step is understanding financing; what lenders and investors are looking for, then taking the steps to build your financial profile to a status that is mortgage eligible. Don’t wait until you THINK you are ready to apply for a mortgage to get the necessary information. The ‘Keys and Deeds’ Workbook to Homeownership was created as a guide to partner with you in achieving your goals by filling in some of the gaps. Inside this workbook you will learn: * How to Create a Baseline - What is your current status? Where are you starting? * How to create a Debt Repayment Plan - How can I pay down my debt with my current income? What should I address first? * How to Create a Monthly Budget and Monitor Your Monthly Fixed and Variable Expenses - Where is your money going? * How to Monitor Your Credit - What is negatively impacting your credit? What is working? * What Do Lenders Need to See When Considering Mortgage Applications - What documentation is needed? What’s an ideal credit score? What about my student loans? * The Definition of Common Real Estate and Loan Terms You May Encount