Borrower experience ยท Demo

Your goal

Buy a home in Tulsa, OK. Everything below works backwards from that.

Target location
Tulsa, OK
Target purchase price
$280,000
Comfortable monthly payment
$1,800/month
Target timeline
18-24 months

Your path

Where you are today, and what would need to change.

Cash

Needs work

Today: $4,300 saved

Needed: ~$17,000 for down payment and closing

Credit

Needs work

Today: 68% utilization

Needed: Under 30% utilization

Income / DTI

Watch

Today: $880 monthly debt

Needed: Under $600 monthly debt

Monthly payment alignment

Watch

Today: Comfortable at $1,800

Needed: $280K scenario runs near $1,940

Your next actions

Three things that move the goal closer.

  1. 01

    Pay $150 above the minimum on the highest rate card.

    Why: Small consistent payments are what move utilization down over the next year.

  2. 02

    Put $200 per month into a separate home fund.

    Why: Reserves are the longest lead item for your $280K target.

  3. 03

    Keep every payment on time for the next three cycles.

    Why: Payment history is currently the strongest lever on your plan.

1 of 5 current actions completed.

Your homebuying team

P

Priya

Mortgage Advisor

Mentra is helping you work toward your homeownership goal between conversations with Priya.