Y’all ready to lock in? 🔒 Which one do you need to work on most - credit, DTI, or savings? Vote in the poll! 📊 This is your home buying boot camp and we’re starting with the BIG THREE numbers you need to know before we do ANYTHING else. 1️⃣ YOUR CREDIT SCORE (need at least 620) Don’t even THINK about checking Credit Karma for this one - I’m serious bestie. You need to go to MyFico to get your actual MORTGAGE credit scores. You’re looking for three mortgage scores specifically, and you want that middle score to be at least 620. Credit Karma shows you educational scores that lenders don’t even use, so save yourself the heartbreak and go straight to MyFico 2️⃣ YOUR DEBT-TO-INCOME RATIO (keep it under 20%) Here’s where Credit Karma IS actually useful - for seeing all your accounts and minimum payments (just not for credit scores, got it?). Add up ALL your minimum monthly payments, divide by your gross income (before taxes), and you want that percentage under 20%. Why? Because your mortgage is gonna eat up about 30% of your income, and lenders cap you at 50% total. Math is mathing. If your DTI is higher than 20%, don’t stress - we’re addressing that in another video. 3️⃣ HOW MUCH YOU GOT SAVED Be honest - how much money do you ACTUALLY have set aside for this house? Not your emergency fund that you dip into, but money specifically for your home purchase. If it’s $0, we’re good - that’s why we’re here! Here’s a video that’ll help you figure out exactly how much YOU need to save: ▶️ @Quen Williams . But if you want a quick number to start with? Have access to at least $10K. This is video 2 of The Great Lock In series and next up we’re doing a DEEP DIVE into credit, so if your score isn’t where it needs to be, stay tuned because I got you covered 👑 Vote in the poll - which one do you need to work on most? 📊 #TheGreatLockIn #FirstTimeHomeBuyer #RealEstate #TikTokLearningCampaign #financialliteracy - @quenwilliamss