Homeownership Approved: Master Your Debt-to-Income Ratio - Episode 4

Описание: Too much debt doesn’t mean you can’t buy a home — bad strategy does.
In Episode 4 of the From Credit to Keys Podcast, Alfred Martinez from Summit Beacon breaks down exactly how lenders evaluate your debt when you apply for a mortgage — and how to position yourself for approval even if you’re carrying balances right now.
This episode is essential for first-time homebuyers who want to improve their credit, lower their debt-to-income ratio (DTI), and avoid costly mistakes before applying for a mortgage.
In this episode, you’ll learn:
✅ What Debt-to-Income Ratio (DTI) really means
✅ How lenders view credit cards vs. installment loans
✅ The fastest way to reduce credit card utilization
✅ Which debts to pay first — and which ones to leave alone
✅ Debt mistakes that delay mortgage approvals
✅ How to lower DTI quickly without damaging your credit
If homeownership is your goal, this episode will help you stop guessing and start preparing with a real strategy.

🔗 Helpful Links (DEFAULT)
🏠 Work with Summit Beacon → https://www.summitbeacon.com
📲 Schedule a free credit review → https://calendar.app.google/6xNV9QTpp...
🙌 Get Started now! → https://summitbeacon.scorexer.com/por...
🧾 Check your credit report for free → https://myfreescorenow.com/enroll/?AI...
🛠️ DIY Credit Repair Program → https://summitbeacon.creditmyreport.com/
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