Skip to main content
Everyday Help Financial

Home Buying Prep Service

Turn "Someday" into a real plan to buy a home.
We help you get your money and credit ready before you meet with a lender.


Book Your Free 15-Minute Consultation

What This Service Covers

A planning session focused on getting your finances home-buying ready over the next 6–24 months.

It covers:

  • Your income, monthly obligations, and basic budget

  • Your credit picture at a high level

  • A realistic range of home payments that won’t sink you

  • Rough targets for down payment, closing costs, and reserves

  • A clear list of steps to become a stronger mortgage candidate



Why It Matters:

Most people:

  • Don’t think about this until they already love a house

  • Get blindsided by credit/debt issues during pre-approval

  • Underestimate how much they need for closing and emergencies

Home Buying Prep:

  • Moves the “bad news” or “good news” forward in time

  • Gives you a list of specific steps instead of vague advice

  • Helps you show up to a lender prepared, not desperate

You’re paying for clarity and readiness, not a loan.

How It Works:

  • 1. Financial Snapshot – Your Coordinator reviews your income, debts, savings, and monthly spending.

  • 2. Lender-Style View – You walk through how a typical lender might see your situation (in plain English).

  • 3. Readiness Roadmap – You leave with a simple, written plan: what to pay down, what to save, and behaviors to keep clean.

  • 4. Do’s & Don’ts – You get a list of “avoid this while prepping” items (new loans, big balances, etc.).

  • 5. Optional Progress Check-Ins – Follow-up review sessions are separate paid coaching add-ons when you want them.

    • Bundling And Discounts:

    The Home Buying Prep service is one of our most powerful offerings, but it works even better when combined with:

    • Savings Planning
    • Bill Reduction Service
    • Debt Reduction Planning
    • Car Buying Prep
    • Credit Coaching

    Ask your Financial Coordinator how to Stack Your Savings with bundled services.
    We apply custom discounts based on your needs, not cookie-cutter pricing. 

    Talk To Your Financial Coordinator

    Want to make sure your next home loan doesn't fall through before the deals done? Let’s talk.

    ​During your free 15-minute consultation, just mention “Home Buying Prep.”
    We’ll explain the process, show you bundling options, and help you get started.


    ​Schedule Now or if you are already a client,  just let your Financial Coordinator know you’re ready.
    Schedule Your Free 15-Minute Consultation

    Frequently Asked Questions

    Q: Are you a mortgage lender or a real estate agent?

    No. We're not lenders, Realtors, or loan offices. We're your prep team, helping you get your credit, debts, and savings in shape before you work with those professionals.

    Q: Can you tell me if I'll be approved for a mortgage?

    We can't guarantee approval. We help you understand common lender guidelines and what your current picture might look like from their side, but final decisions are always up to the lender.

    Q: How far in advance should I start Home Buying Prep?

    Sooner is better. Even 6-24 months before you want to buy, small changes can make a big difference in your approval odds and interest rate.

    Q: Will you tell me how much house I can afford?

    We'll help you build a realistic monthly budget and rough target range, then encourage you to confirm final numbers with a lender. Our goal is to keep your payments from silently wrecking the rest of your life.