Understanding your numbers is extremely empowering. What does the term “your numbers” really mean? Knowing your numbers is knowing your credit score, your qualified income, your calculated debt-to-income ratio, assets (not always what’s in the bank) to give you a clear picture of your buying power. 

These numbers, combined with your Good Friend Mortgage Certificate of Eligibility (COE), can open windows you didn’t know were there. Setting a few minutes aside to earn your Certificate of Eligibility is a turning point that unlocks possibilities for you. Do you know your numbers? Do you have questions in the back of your mind? Can I easily upgrade? Can I refinance or buy a new home or two? Can I afford an investment property?

For example, one client thought she needed 20% down—but her COE revealed she qualified for a program with just 3% down and no PMI. That’s the power of clarity. 

Another 55-year-old client of mine thought he needed to be 62 to qualify for a reverse mortgage where he makes no monthly payments on the mortgage.  In fact, he actually qualifies at age 55 to do just that! 

A veteran client discovered the credit score 519 that was holding him back for over 5 years (since his divorce and preventing him from buying a home), was able to improve. With his COE, he was able to improve his score in less than 90 days to a 605. His COE made him eligible to purchase his $500K home for his family. That’s the power of clarity.

When you know your numbers, you’re not just crunching data—you’re building hope and opening windows.

 

Improved Market Conditions: A Window, and less of a Wall

 

We all feel it. Rising rates, limited housing inventory, and economic uncertainty can feel like major barriers—but, they really don’t have to be. The housing market may be shifting, and your strategy can shift with it. Even Good Friend Mortgage’s strategy is shifting, and we like to share those strategies.

Buyers with a Good Friend Mortgage COE are often better positioned than they realize—especially in competitive environments. Waiting for the perfect market is like waiting for the perfect wave. The key is knowing how to ride the one in front of you.

Practical strategies like locking in rates, exploring alternative loan products, and leveraging your existing properties (a topic for another day), and leveraging seller concessions can make a big difference. Believe it or not, there are several loan products where you do not have to show or prove income.

You don’t need to wait for the storm to pass—you need a guide who knows how to navigate it. Acquiring your COE is your financial compass to see your potential to building wealth.

 

Strategy of Calm and Clarity: Emotional Empowerment

 

Buying a home is emotional—especially in uncertain times. Confidence doesn’t come from the market—it comes from clarity.

Many buyers ask: “What if I don’t qualify?” “What if I make a mistake?” These fears are real, and they deserve to be acknowledged.

One client came to us full of doubt. After a Calm & Confident Buyer’s Session, she discovered she was eligible for a program that fit her needs—and she closed on her first home within 60 days.

You’re not just buying a house—you’re building a future, and building wealth. And you deserve a partner who sees you, hears you, and walks with you every step of the way. Good Friend Mortgage as your partner and is here for you to create the clam and clarity needed in today’s market.

 

Call to Action:  Your Calm & Confident Buyer’s Session - Watch this short Video now!