September can be a clean starting point, even if buying still feels months away.

Gather current income and asset documents
Review credit and confirm any freezes
Document transfers and unusual deposits
Avoid new debt without discussing the impact
Estimate cash to close and cash to keep
Set a comfortable monthly payment range
The goal is not to make every number perfect overnight. It is to get the documents organized, stop avoidable money surprises, and understand what the next useful move actually is.

Comment “READY” for the document and money-moves list.

— Richard Sarey, your go-to independent mortgage broker in Frisco Texas

• mortgage preparation

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