HomeBuyer Ready Inc.

04/25/2026

Did you know your credit cards only report your balances once a month?
On the day the balance is reported, this is how your credit utilization is rated:
Balance/Limit= % Utilization
0-9% Excellent (A)
10-29% Good (B)
30-49% Fair (C)
50-74% Poor (D)
Over 74% Very Poor (F)

You could be paying your cards on time every month religiously and have a VERY POOR rating
For credit card use 😲

This credit factor makes up 30% or more of your credit score - and can cost you over 100 points on your credit score!

Having high credit card utilization is the #1 reason our clients have low credit scores when they first come to us
NOT collections
NOT old bad accounts
NOT charge offs
NOT hospital bills
Just high balances on their cards!

Good news is once card balances are paid bellow 29% of their limit and scores update, most people's scores increase enough to qualify for an FHA loan.
Once paid down, scores will update within 30 days and most people can now get a mortgage.

We have multiple tips to lower credit card utilization if you are short on funds to pay them all the way down.

04/04/2026

First time home buyer | Get an affordable mortgage rate https://share.google/EekwPsxNB4pjs3MZz

One of my favorite first time home buyer options.
Interest rates way bellow bellow market, only 3% down, and no PMI

Your first home is a big deal. When you’re ready to buy, all of the new information may be overwhelming. We’re here to help you save money and have a stress-free buying experience.

01/06/2026

For help with credit, down payment assistance, and qualifying to buy a home, please message Susanna Condon or call/text 941-243-4771

01/06/2026

Building credit involves consistently demonstrating responsible financial behavior over time, as positive payment history is the most important factor in a FICO score. Key strategies include using specific credit-building products, making on-time payments, and keeping credit balances low.

+++ positive trade lines.
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03/22/2025

Are you renting and would like to become a homeowner? We have free resources. Credit coaching- great success with most clients increasing their scores 100+ points after coaching! Down payment assistance options, first time homebuyer loans, self employed, ITIN, owner finance and rent to own. Just message us and we would love to get you started. No charge ever to the buyer, we are a nonprofit and all our services are completely free of charge!

12/14/2024

HomeBuyer Ready Inc. is a 501C Nonprofit and has been licensed since 2017. We have helped close to 1000 people reach their credit goals. We do not fix your credit- we do credit coaching and give suggestions and understanding. Susanna Condon was a licensed teacher for 20+ years and uses her skills to teach credit, debt ratios, and down payment assistance program options to anyone looking to improve their situation. She can also help self-employed persons- teaching you what you can do to help you qualify for a mortgage, first time homebuyer program details, even ITIN holders. You do not need to use our Real Estate Team to purchase your home, however many have loved our knowledge and expertise, and have done so immediately after reaching their credit and finance goals. Message us on FB , call/text us at 941-243-4771 to get started. Never a charge, we are a nonprofit.

Send a message to learn more

11/14/2024

Did you know that credit cards kept at 9% of the credit limit (ex: $45 balance for a $500 card) will maximize your credit scores?

To build credit to buy a house, start by checking your credit report. Prioritize on-time payments, keeping your balances low and avoiding new credit.

08/02/2024

All full time employees may qualify!

The program, a Florida Realtors legislative priority, has helped eligible Floridians become homeowners through competitive 1st mortgage interest rates, other benefits.

07/22/2024

Income and Loan Limits for Hometown Heroes Program
All Full time employees in the state of Florida can Qualify!