Pathways to Home Ownership.
Strategic mortgage guidance from credit alignment to final closing.
Bridging the Gap
We help you align your credit and tax structure to qualify for the best possible mortgage rates and investment loans. Don't let a bad application deny your dream.
First-Time Home Buyers
Navigating the complexities of your first home purchase with confidence. We guide you through FHA vs Conventional options and down payment assistance programs.
- Pre-Approval Strategy
- DTI (Debt-to-Income) Optimization
- Closing Cost Education
Real Estate Investors
Structuring your portfolio for multi-unit and commercial real estate acquisition. Leverage advanced loan products that don't require personal income verification.
- DSCR Loans (No Income Check)
- Fix & Flip Funding
- Portfolio Refinancing
Your Path to Homeownership
A simple 4-step process to get you the keys.
Pre-Approval
We analyze your credit & income to determine your true buying power.
House Hunting
Shop with confidence knowing exactly what you can afford.
Underwriting
We handle the paperwork and clear conditions with the lender.
Closing
Sign the final papers and get the keys to your new property.
Is Your Credit Mortgage-Ready?
Your credit score dictates your interest rate, your down payment, and your ultimate buying power. A few points can mean the difference between approval and denial—or tens of thousands of dollars in interest.
- FHA Loans: Typically require a 580+ score.
- Conventional Loans: Usually require a 620+ score.
- DSCR & Investment: Often require 680+ for the best terms.
If your score isn't where it needs to be, our integrated credit restoration team can help you prepare.
Start Credit RepairThe Cost of Bad Credit
A 1% higher interest rate on a $350,000 mortgage costs you over $75,000 in additional interest over 30 years.
Fix My Score Before I BuyWhy Your Tax Return Matters
Many entrepreneurs write off so many expenses that they show a loss on paper. While this saves on taxes, it kills your ability to get a mortgage.
At Taxracy, we coordinate your Tax Preparation with your Mortgage Goals. We find the "Goldilocks Zone" where you pay fair taxes but still show enough income to qualify for the house you want.
Align Your TaxesMortgage FAQ
Answers to your home buying questions.
Typically, a score of 580 is required for FHA loans (with 3.5% down) and 620 for conventional loans. However, to get the best interest rates, we aim to get your score above 740 before you apply.
It varies. FHA loans require as little as 3.5%. Conventional loans can be 3-5% for first-time buyers. VA loans (for veterans) and USDA loans (rural areas) often offer 0% down options.
DSCR (Debt Service Coverage Ratio) loans allow you to qualify based on the rental income of the property rather than your personal income or tax returns. This is ideal for investors with many write-offs.