Mastering your credit utilization is the most powerful “lever” you have to engineer an elite credit score for your 2026 mortgage application. Learn how to use the AZEO method and strategic payment timing to move your score into the “Gold Standard” range of 760 or higher.
Learn how the Debt Snowball Method uses psychological momentum to eliminate small liabilities and rapidly lower your debt-to-income ratio. This Funding Lab guide reveals how “rolling over” your payments creates a financial catalyst, increasing your total borrowing power for a future home purchase.
Learn how to use alimony and child support as mortgage income to increase your purchasing power by applying the “6/3 Rule” and tax-free gross-up calculations. This guide from The Funding Lab breaks down specific agency requirements to help you stabilize your mortgage equation and reach the signing table with confidence.
Learn how to manage alimony and child support as a debt to keep your debt-to-income ratio within the qualifying range for a new home. This guide from The Funding Lab reveals the mathematical secrets of the “Fannie Mae Deduction” and how to balance your mortgage equation after a split.
Discover how to manage community property and mortgage debt so your spouse’s liabilities don’t derail your individual mortgage approval. This final part of “The Divorce Equation” series provides the Lab-tested strategies you need to secure a home in California and beyond.
A mortgage down payment is your initial investment toward homeownership, but the traditional 20% requirement is often a myth that keeps buyers sidelined. This guide explores how to leverage 3% and 0% down options, alongside California assistance programs, to move from renting to owning much sooner.
