{"product_id":"mortgage-pre-approval-readiness-checklist-for-homebuyers","title":"Mortgage Pre-Approval Readiness Checklist for Homebuyers","description":"\u003csection id=\"rr-product-demonstration\" style=\"border:1px solid #ccd5dd;border-top:4px solid #d4a54b;border-radius:10px;padding:20px;margin:18px 0;background:#fff;color:#172434;font-family:Arial,sans-serif;font-size:18px;line-height:1.6;\"\u003e\u003ch2 style=\"color:#031327;font-family:Arial,sans-serif;font-size:28px;font-weight:700;line-height:1.25;\"\u003eSee how it works before you buy\u003c\/h2\u003e\n\u003cp\u003e\u003cstrong\u003eFree illustrated walkthrough. No purchase or download needed.\u003c\/strong\u003e\u003c\/p\u003e\n\u003cp\u003eThis is a fictional example based on the product's features. It is a presentation, not a live calculator or screenshot of the tool.\u003c\/p\u003e\n\u003cp\u003eReview debt-to-income arithmetic and organize mortgage application documents.\u003c\/p\u003e\n\u003ch3 style=\"font-family:Arial,sans-serif;font-size:22px;font-weight:700;line-height:1.35;color:#031327;\"\u003e1. Enter your information\u003c\/h3\u003e\n\u003cul\u003e\n\u003cli\u003e\n\u003cstrong\u003eGross monthly income:\u003c\/strong\u003e $6,000\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eProposed housing payment:\u003c\/strong\u003e $1,500\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eOther monthly debt payments:\u003c\/strong\u003e $600\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003ch3 style=\"font-family:Arial,sans-serif;font-size:22px;font-weight:700;line-height:1.35;color:#031327;\"\u003e2. See the result\u003c\/h3\u003e\n\u003cp\u003e\u003cstrong\u003eFront-end DTI: 25%. Back-end DTI: 35%. Total monthly obligations entered: $2,100.\u003c\/strong\u003e\u003c\/p\u003e\n\u003ch3 style=\"font-family:Arial,sans-serif;font-size:22px;font-weight:700;line-height:1.35;color:#031327;\"\u003e3. Your next step\u003c\/h3\u003e\n\u003cp\u003eWork through the document and financial-readiness checklists before speaking with a lender.\u003c\/p\u003e\n\u003cp\u003e\u003cem\u003eThese ratios are not a loan approval. Requirements depend on the lender, program and full application.\u003c\/em\u003e\u003c\/p\u003e\n\u003cdetails\u003e\u003csummary style=\"font-weight:bold;cursor:pointer;\"\u003eView the presentation card\u003c\/summary\u003e\u003cp\u003e\u003cimg src=\"https:\/\/cdn.shopify.com\/s\/files\/1\/0783\/9806\/2639\/files\/mortgage-pre-approval-readiness-checklist-for-homebuyers-demonstration.png?v=1789663558\" alt=\"Illustrative example for Mortgage Pre-Approval Readiness Checklist for Homebuyers\" width=\"1080\" height=\"1620\" loading=\"lazy\" style=\"display:block;width:100%;max-width:720px;height:auto;\"\u003e\u003c\/p\u003e\u003c\/details\u003e\u003cp\u003eThe full working product is delivered after purchase. \u003ca href=\"\/pages\/digital-downloads\"\u003eSee how downloads work\u003c\/a\u003e.\u003c\/p\u003e\u003c\/section\u003e\u003cp\u003e\u003cstrong\u003eOne-time digital purchase · Nothing shipped\u003c\/strong\u003e\u003c\/p\u003e\u003cp\u003e\u003cstrong\u003e100% DIGITAL PRODUCT — NOTHING IS SHIPPED.\u003c\/strong\u003e\u003c\/p\u003e\u003cp\u003eGet organized before you apply for a mortgage. The Roof \u0026amp; Ratio Mortgage Pre-Approval Readiness Checklist combines a simple debt-to-income calculator with a step-by-step preparation checklist so buyers can gather documents, review key numbers and understand what lenders commonly look for before applying.\u003c\/p\u003e\u003cp\u003e\u003cstrong\u003eWhat it helps you do:\u003c\/strong\u003e\u003c\/p\u003e\u003cul\u003e\n\u003cli\u003eEstimate front-end and back-end debt-to-income ratios\u003c\/li\u003e\n\u003cli\u003eCompare your numbers with common lending guidelines\u003c\/li\u003e\n\u003cli\u003eOrganize income and employment documents\u003c\/li\u003e\n\u003cli\u003eReview credit and financial-readiness items\u003c\/li\u003e\n\u003cli\u003ePrepare down-payment and reserve documentation\u003c\/li\u003e\n\u003cli\u003eTrack application-readiness progress with checkboxes\u003c\/li\u003e\n\u003cli\u003eSave your progress for later and print\/save as PDF\u003c\/li\u003e\n\u003c\/ul\u003e\u003cp\u003eDesigned for first-time and repeat homebuyers who want to feel more prepared before starting the pre-approval process.\u003c\/p\u003e\u003cp\u003e\u003cem\u003eFor informational and planning purposes only. Not lending, financial or credit advice. Approval requirements vary by lender and loan program.\u003c\/em\u003e\u003c\/p\u003e\u003ch3\u003eBefore you buy\u003c\/h3\u003e\u003cp\u003eReview the included features above. Interactive HTML files open in a web browser; PDF files require a PDF reader. Features such as saving, exporting and printing vary by product and by the browser or reader you use. Keep a backup of important work.\u003c\/p\u003e\u003cp\u003eQuestions about this product or your device? Email \u003ca href=\"mailto:marchelle@roofandratio.com\"\u003emarchelle@roofandratio.com\u003c\/a\u003e before purchasing. \u003ca href=\"\/pages\/digital-downloads\"\u003eHow downloads work\u003c\/a\u003e · \u003ca href=\"\/policies\/refund-policy\"\u003eCurrent refund policy\u003c\/a\u003e\u003c\/p\u003e","brand":"Roof \u0026 Ratio by Marchelle","offers":[{"title":"Digital Download","offer_id":46165632942127,"sku":null,"price":14.99,"currency_code":"USD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0783\/9806\/2639\/files\/roof-ratio-mortgage-preapproval-readiness-checklist-homebuyer.png?v=1789161501","url":"https:\/\/roofandratio.com\/products\/mortgage-pre-approval-readiness-checklist-for-homebuyers","provider":"Roof \u0026 Ratio","version":"1.0","type":"link"}