06/01/2026
Dreaming of owning a home but not sure where to start? Here are 5 things you can do right now to get mortgage-ready π
1. Build your credit score π
Pay your bills on time, keep your credit card balances low, and avoid applying for new credit too often. Even small improvements to your score make a big difference to lenders.
2. Save your down payment π°
You need at least 5% of the home's purchase price. Start small and stay consistent β even $200/month adds up to $7,200 in 3 years.
3. Reduce your debt π
Lenders look at your debt-to-income ratio. The less debt you carry, the more mortgage you can qualify for. Tackle high-interest debt first.
4. Stabilise your income πΌ
Lenders want to see consistent, reliable income. Try to avoid switching jobs or going self-employed right before you apply.
5. Work with a mortgage broker π€
A good mortgage broker will tell you exactly what you need to do to get approved β and it costs you nothing. They're one of the most underused resources out there.
Not quite there yet? That's exactly why rent to own exists. π
With Root to Rise Rent to Own program, you work toward every single one of these goals while already living in your home. By the end of your term - you're credit-repaired, down payment-ready and mortgage-qualified.