Lender referral · Priya, Mortgage Advisor · Referred Dec 12, 2025
Luis F.
Last lender contact Mar 3, 2026. Latest movement: Cleared a collections account.
Goal
What Luis is trying to accomplish
- Target location
- San Antonio, TX
- Target purchase price
- $320,000
- Comfortable monthly payment
- $2,100/month
- Target timeline
- 6-12 months
Current path
Where Luis stands against that goal
Cash
ImprovingToday: $10,800 saved
Needed: ~$19,000 for down payment and closing
Credit
ImprovingToday: 36% utilization
Needed: Under 30% utilization
Income / DTI
On trackToday: $520 monthly debt
Needed: Under $650 monthly debt
Monthly payment alignment
ImprovingToday: Comfortable at $2,100
Needed: $320K scenario runs near $2,230
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
Collections accounts
10
Savings
$8,900$10,800
Credit utilization
44%36%
Actions completed
2 / 53 / 5
Why Mentra surfaced this borrower
Luis resolved a collections account and is rebuilding reserves steadily.