Free · Five minutes · Zero judgment
A smarter path to homeownership.
Discover where you stand and take the right next step. Most people guess. Brandy's clients know, with a short check that looks at what a lender will, before a lender does.
What it looks at
Four honest questions. One clear picture.
Credit
Where your score stands and what's helping or hurting it. The educator's version, not the scary version.
Savings
Down payment, closing costs and the cushion lenders like to see. (Spoiler: you may need less than you think!)
Income & debt
The DTI math lenders actually run, explained so it finally makes sense.
Timeline & goals
When you want keys in hand, and what has to happen between now and then.
The check
Your answers go to Brandy. Not a void.
Within 1 business day you'll hear back personally, not from a drip campaign.
Then what happens
One of three conversations.
"You're ready!"
Straight to lender introductions and a house-hunting game plan. Let's go get your keys!
"You're close."
A short punch list of credit moves or savings targets, and a realistic date to start shopping.
"Let's build."
A full coaching plan with milestones. Farther out isn't a no. It's a syllabus.
Fair questions
Before you ask...
Does this pull my credit?
No! The Readiness Check is self-reported, so nothing touches your credit report. If you move forward with coaching or a lender, that step comes later, explained fully, on your timeline.
What if my situation is embarrassing?
Brandy's heard it all and judged none of it. She built her practice for people who were made to feel small by a "no." You'll get a plan, not a lecture.
Does this cost anything?
The Readiness Check and the follow-up conversation are completely free. So is the credit coaching program, for buyers who work with Brandy as their agent.
I'm not in the Carolinas yet. Can I still take it?
Sure can! Brandy serves all of North and South Carolina, and relocating buyers are half the fun.