Lender referral · Andrew, Mortgage Advisor · Referred Mar 22, 2026
Omar H.
Last lender contact Apr 25, 2026. Latest movement: Refinanced a high rate personal loan.
Goal
What Omar is trying to accomplish
- Target location
- Columbus, OH
- Target purchase price
- $455,000
- Comfortable monthly payment
- $2,800/month
- Target timeline
- 12-18 months
Current path
Where Omar stands against that goal
Cash
Needs workToday: $9,600 saved
Needed: ~$27,000 for down payment and closing
Credit
ImprovingToday: 33% utilization
Needed: Under 30% utilization
Income / DTI
ImprovingToday: $1,205 monthly debt
Needed: Under $1,000 monthly debt
Monthly payment alignment
WatchToday: Comfortable at $2,800
Needed: $455K scenario runs near $3,080
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
Monthly debt obligations
$1,460$1,205
Credit utilization
39%33%
Savings
$8,400$9,600
Actions completed
0 / 52 / 5
Why Mentra surfaced this borrower
Omar reduced his monthly obligations but reserves remain the larger gap.