Lender referral · Andrew, Mortgage Advisor · Referred Jan 30, 2026
Nina P.
Last lender contact Apr 2, 2026. Latest movement: Increased monthly savings rate.
Goal
What Nina is trying to accomplish
- Target location
- Seattle, WA
- Target purchase price
- $710,000
- Comfortable monthly payment
- $4,200/month
- Target timeline
- 12-18 months
Current path
Where Nina stands against that goal
Cash
ImprovingToday: $38,600 saved
Needed: ~$82,000 for down payment and closing
Credit
On trackToday: 16% utilization
Needed: Under 30% utilization
Income / DTI
On trackToday: $1,320 monthly debt
Needed: Under $1,500 monthly debt
Monthly payment alignment
WatchToday: Comfortable at $4,200
Needed: $710K scenario runs near $4,780
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
Savings
$34,200$38,600
Monthly savings rate
$600$1,150
Credit utilization
18%16%
Actions completed
2 / 43 / 4
Why Mentra surfaced this borrower
Nina raised her savings rate substantially but the $710K target needs more time.