Borrower experience ยท Demo

Your goal

Buy a home in Nashville, TN. Everything below works backwards from that.

Target location
Nashville, TN
Target purchase price
$520,000
Comfortable monthly payment
$3,200/month
Target timeline
Not set

Your path

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

Cash

Needs work

Today: $14,100 saved

Needed: ~$41,000 for down payment and closing

Credit

Watch

Today: 45% utilization

Needed: Under 30% utilization

Income / DTI

Watch

Today: $1,390 monthly debt

Needed: Under $1,100 monthly debt

Monthly payment alignment

Watch

Today: Comfortable at $3,200

Needed: $520K scenario runs near $3,520

Your next actions

Three things that move the goal closer.

  1. 01

    Rebuild the $3,400 that left the home fund.

    Why: It is the clearest step back toward the $520K target you set.

  2. 02

    Bring the card balances back under $4,000 combined.

    Why: Utilization rose since your last review and is now working against you.

  3. 03

    Re-confirm your timeline with Priya.

    Why: A current timeline lets the plan match what is realistic now.

2 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.