The Big Four
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Credit: History, on‑time payments, and credit mix.
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Income: W‑2s, pay stubs, 1099s if self‑employed, and stability.
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Debts: Car, cards, loans—this sets your DTI (debt‑to‑income).
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Assets: Bank statements to show funds for down payment and closing.
Quick Wins in 30 Days
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Pay every bill on time.
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Lower card balances under 30% of the limit.
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Avoid new credit pulls.
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Gather docs in one folder: ID, 2 years taxes, 2 months bank statements, 30 days pay stubs.
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