Lender referral · Andrew, Mortgage Advisor · Referred Apr 17, 2026
Erik T.
Last lender contact Apr 17, 2026. Latest movement: Completed the intake goal review.
Goal
What Erik is trying to accomplish
- Target location
- Portland, OR
- Target purchase price
- $599,000
- Comfortable monthly payment
- $3,600/month
- Target timeline
- 18-24 months
Current path
Where Erik stands against that goal
Cash
Needs workToday: $8,100 saved
Needed: ~$48,000 for down payment and closing
Credit
ImprovingToday: 35% utilization
Needed: Under 30% utilization
Income / DTI
WatchToday: $1,640 monthly debt
Needed: Under $1,200 monthly debt
Monthly payment alignment
WatchToday: Comfortable at $3,600
Needed: $599K scenario runs near $4,080
These are progress signals against this borrower's stated goal. They are not a credit decision or an approval.
What has changed
Since your last review
Savings
$7,600$8,100
Credit utilization
37%35%
Monthly debt obligations
$1,690$1,640
Actions completed
0 / 51 / 5
Why Mentra surfaced this borrower
Erik has a clear goal but no meaningful progress to review yet.