Tonya Davis Homes

If I Was Going to Buy a House in the Next 6 Months, I Would NOT Do These 5 Things

1. Open new credit accounts
2. Get a new car
3. Make large or undocumented money moves
4. Change jobs or income streams without guidance
5. Co-sign for anyone

Why not? Because lenders review your entire financial picture, not just your credit score.

Every item on that list can:
• Increase your debt-to-income ratio (DTI)
• Lower your credit score
• Delay underwriting
• Or cause a loan denial right before closing

Even “normal” life decisions like a new car, a credit card, or helping someone by co-signing can change your approval status immediately.

The goal before buying isn’t just good credit, it's stable income, low debt, and clean bank statements.

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If I was buying my first home,
this is the FIRST thing I’d do.

I would not guess how
much I could afford.

I'd start by working with a
Realtor to connect you with a Lender so you can get a clear idea of how much buying power you have.

That means understanding
what you qualify for, what
you're comfortable paying monthly,
and what programs
you have access to.

Because once you know
your numbers, every decision
gets easier and smarter.

If homeownership is in your future,
make sure you are
saving these tips
and FOLLOWING ME
to stay upto date.

Tonya Davis, Realtor
EXIT Realty Enterprises
202-810-9683
[email protected]

Sounds about right

"Starting my morning by helping families find their dream homes"

Tonya Davis,
Licensed MD Realtor®
(202) 810-9683
tonyadavishomescom

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