Lender referral · Priya, Mortgage Advisor · Referred Feb 6, 2026
Grace L.
Last lender contact Feb 14, 2026. Latest movement: Started the credit improvement plan.
Goal
What Grace is trying to accomplish
- Target location
- Tulsa, OK
- Target purchase price
- $280,000
- Comfortable monthly payment
- $1,800/month
- Target timeline
- 18-24 months
Current path
Where Grace stands against that goal
Cash
Needs workToday: $4,300 saved
Needed: ~$17,000 for down payment and closing
Credit
Needs workToday: 68% utilization
Needed: Under 30% utilization
Income / DTI
WatchToday: $880 monthly debt
Needed: Under $600 monthly debt
Monthly payment alignment
WatchToday: Comfortable at $1,800
Needed: $280K scenario runs near $1,940
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
On time payments
03
Credit utilization
72%68%
Savings
$3,900$4,300
Actions completed
0 / 51 / 5
Why Mentra surfaced this borrower
Grace is building payment history. Reconnecting now would be premature.