Homeownership Strategy Specialist
Turning underwriting insight into buyer confidence
The Underwriter’s Advantage
With nearly two decades of mortgage underwriting experience, I help homebuyers and self-employed individuals understand how lenders evaluate applications so they can approach the homeownership process with confidence, preparation, and clarity..
Who I Help:
• First-Time Homebuyers
• Self-Employed Borrowers
• Entrepreneurs with non-traditional income
• Clients who’ve been denied and want a second strategy
What You’ll Learn & Gain:
How Underwriters Think – Gain an insider’s view into the underwriting process and learn how to position your financials for success.
Loan Type Coaching
Strategic guidance to help you choose the loan program that fits your goals, finances, and future.
• FHA Loans – Ideal for buyers building credit or seeking lower down payment options
• Conventional Loans – Best for borrowers with strong credit and stable financial footing
• USDA Loans – Great for qualifying suburban and rural locations many buyers overlook
• VA Loans – Specialized options for veterans and eligible family members
• 203K FHA Rehab Loans – Designed for purchases or refinances that include renovations
• Conventional Rehab Loans – A flexible option for financing improvements without FHA restrictions
DOCUMENTS REQUIRED PRIOR TO YOUR STRATEGY SESSION
Credit Report (Full Tri-Merge Credit Report-Experian, Equifax, & Transunion.) Lender Provided credit report from recent denial. Report must be less than 60 days old.
Income Documents- For W2 workers most recent W2 plus last 2 paystubs
Self-Employed or 1099: Most recent 1099 and recent tax returns (Sch C)
Denial letter or Lender feedback from previous loan submission (if applicable)
MORTGAGE TOOLS
Mortgage Payment Calculator
This estimate is for educational purposes and does not include taxes, insurance, or fees unless entered above. Final payments may vary by lender and loan program.
Debt To Income (DTI) Calculator
This is an educational estimate only. Lender guidelines may vary by program, credit profile, and compensation structure.”
Front-end DTI = housing only / income
Back-end DTI = housing + all debts / income
Many loan programs prefer a back-end DTI under 43%, but exceptions exist.
Loan Type Payment Estimator
This calculator is for education only. Actual payments can vary based on mortgage insurance, guarantee fees, taxes, insurance, interest rate changes, and specific lender guidelines. This is not a loan offer or approval.
Compare how different loan types and down payment choices impact your estimated payment
If you’d like help reviewing your numbers or building a plan, schedule a mortgage strategy session
By MaDonna provides mortgage education and strategy coaching based on professional experience in mortgage underwriting. We are not loan officers, mortgage brokers, or licensed mortgage originators. We do not quote rates, issue approvals, complete applications, or sell mortgage products.
All guidance is strictly educational. Clients are responsible for confirming eligibility, rates, and loan terms directly with a licensed lender. Any decisions you make regarding financing, applications, or loan products must be discussed with your chosen mortgage professional.
Mortgage Education Resource
This free government resource explains the homebuying process step-by-step including budgeting, credit preparation, loan types, and what to expect when purchasing your first home.
• First-Time Homebuyer Education (U.S. Government Resource)
Document
Readiness Coaching
Learn how to organize your income, credit, and asset documentation to avoid lender delays.
Pre-Submission Document Review
I’ll review your documents before you submit them to your lender, helping you identify potential concerns and strengthen your package.
Strategy & Prep Sessions
While I’m not a loan officer and cannot discuss specific rates, I use my underwriting background to prepare you for smooth approvals and fewer surprises.
Results vary by lender and borrower profile. Booking a session does not guarantee lender approval.
Ready to approach your mortgage with clarity?
Notary services, VA Placement support, OBM strategy, and Homeownership Guidance in one place.