Spring Cleaning Your Finances: Get Mortgage-Ready in 30 Days

Spring is in full bloom—and while you’re airing out closets and scrubbing baseboards, it’s the perfect time to give your finances a little TLC, too. If buying a home is part of your plan this year, getting financially organized now can make the entire process smoother and less stressful down the line. Just like your home, your finances need a good deep clean before you invite something new in—like a mortgage!

Why Financial Spring Cleaning Matters

Before you can make an offer on your dream home, lenders need to see a clear picture of your financial health. That includes your credit history, income, debts, savings, and more. By taking just a few intentional steps over the next 30 days, you’ll be ready to take on the market with confidence—and potentially unlock better loan options.

30-Day Mortgage Prep Plan

Here’s a week-by-week guide to help you get mortgage-ready:

✅ Week 1: Dust Off Your Credit

Your credit score is one of the biggest factors in your mortgage approval.

Pull your credit reports from all three bureaus
Dispute any errors
Pay down credit card balances
Avoid opening new credit lines

✅ Week 2: Tidy Up Your Budget

You don’t need to cut out everything you love—but trimming a few expenses can go a long way.

Track your weekly spending
Eliminate or reduce unnecessary costs
Start saving intentionally for closing costs and moving expenses

✅ Week 3: Organize Your Paperwork

Getting prepped now means no scrambling later.

Collect pay stubs, W-2s or tax returns, bank statements, and ID
If you’re self-employed, get your profit & loss documents in order
Store everything in a secure digital folder for easy access

✅ Week 4: Take the First Big Step

This is when things get real—and exciting!

Reach out to a trusted loan officer (hi, it’s me 👋)
Explore your loan options and understand your numbers
Get pre-approved so you’re ready when the right home hits the market

Let’s Make Your Spring Move Simple

Buying a home doesn’t have to be overwhelming—especially when you have a trusted guide by your side. With a little preparation and the right support, you can move from dreaming about a new home to unlocking the front door.

Whether you're buying your first home or upgrading to fit your growing needs, Kathleen The Mortgage Lady is here to walk you through every step—from pre-approval to closing day. Call, text, or message me anytime—your spring home goals are closer than you think!