Borrower experience ยท Demo

Your goal

Buy a home in San Antonio, TX. Everything below works backwards from that.

Target location
San Antonio, TX
Target purchase price
$320,000
Comfortable monthly payment
$2,100/month
Target timeline
6-12 months

Your path

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

Cash

Improving

Today: $10,800 saved

Needed: ~$19,000 for down payment and closing

Credit

Improving

Today: 36% utilization

Needed: Under 30% utilization

Income / DTI

On track

Today: $520 monthly debt

Needed: Under $650 monthly debt

Monthly payment alignment

Improving

Today: Comfortable at $2,100

Needed: $320K scenario runs near $2,230

Your next actions

Three things that move the goal closer.

  1. 01

    Pay $900 toward the card carrying the highest balance.

    Why: It is the account keeping your utilization above the range your plan needs.

  2. 02

    Add $350 per paycheck to your home fund.

    Why: You are about eight months from the reserves your $320K target needs.

  3. 03

    Keep the collections account documented.

    Why: Proof of resolution makes the improvement easier to verify later.

3 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.