Start Free — Get Intro Access

Not sure where to start? This is your first step.

Get clarity on what “homebuyer ready” actually means before speaking with a lender or committing to a full program.

What’s Included

✔ Intro lesson: What readiness really means
✔ Access to the private Homebuyer Community
✔ Guidance on whether full access is right for you

Unlock Full Homebuyer Readiness

For buyers serious about preparing the right way

A complete, education-based program designed to help you understand how credit, income, savings, and financial habits impact the homebuying process so you can prepare intentionally before speaking with a lender.

What’s Included Everything in Intro Access, plus:

✔ Full Homebuyer Readiness course (all modules unlocked)
✔ Clear breakdowns of common requirements buyers should be aware of
✔ Tools, checklists, and preparation guidance
✔ Full access to the private Homebuyer Community

Not Sure If You’re Ready Yet? Let’s Find Out.

What You’ll Learn Inside the Homebuyer Readiness Program

A guided, step-by-step education experience designed to help you understand credit, savings, timelines, and what it truly takes to prepare for homeownership — before you ever speak to a lender.

Everything below is included with Full Access

white mattress beside sectional sofa

Understanding Your Credit — The Right Way

In this module, you’ll learn how your credit actually impacts your ability to buy a home — not the myths, not the guesses, and not third-party scores.

We’ll break down:

  • What really affects your credit score

  • How lenders view your credit when approving a mortgage

  • Why imperfect credit doesn’t automatically mean you’re not ready

  • Common credit mistakes to avoid while preparing to buy

white mattress beside sectional sofa
white concrete building under blue sky during daytime
white concrete building under blue sky during daytime

Income & Employment Readiness

In this module, you’ll learn how lenders evaluate your income, employment history, and stability when approving a mortgage. We’ll break down what documentation is required for W-2 employees and self-employed buyers, what counts as stable income, and how to prepare your finances before speaking with a lender.

Unlock Full Access ($25)Included in the Full Homebuyer Readiness Program
a man standing in a living room next to a couch

Debt, DTI & Monthly Obligations

In this module, you’ll learn how your existing debt and monthly obligations affect how much home you can qualify for.

We’ll break down

  • What debt-to-income (DTI) really means

  • Which debts count (and which don’t) toward mortgage approval

  • How credit cards, car notes, student loans, and collections impact buying power

  • When paying down debt helps — and when it doesn’t

  • How to plan debt reduction strategically before applying

a man standing in a living room next to a couch
A person taking a picture of a kitchen
A person taking a picture of a kitchen

Savings & Financial Readiness

In this module, you’ll learn how savings and financial consistency impact your ability to move forward with buying a home.

We’ll break down

  • How much savings you really need to buy a home

  • The difference between down payment, closing costs, and reserves

  • Why consistent saving matters more than large one-time deposits

  • How lenders review bank statements and account activity

What Clients Say About Working With Kiara

M Green - 08/2025

Desoto, TX

Kiara took the time to understand my goals and explained the process clearly from start to finish. Her guidance helped me make informed decisions and feel confident every step of the way.

J Brown - 04/2025

Crowley, TX

After exploring multiple agents, working with Kiara stood out because of her professionalism, clear communication, and guidance throughout the buying process. She made sure I understood each step and helped make the experience smooth and stress-free. Highly recommend for anyone looking for knowledgeable and supportive real estate representation.

B. Usher & C. Times 2/2025

Atlanta, GA

Kiara guided us through our buying process with clear communication and support. She helped us understand our options and made the experience smooth and stress-free.”

Testimonials reflect individual experiences and do not guarantee future results. Homeownership outcomes depend on financial qualifications, lender approval, and market conditions.

FAQs

Your Homebuyer Readiness Questions Answered

What is the Homebuyer Readiness Program

The Homebuyer Readiness Program is a step-by-step educational experience designed to help you understand what lenders actually look for before approving a mortgage. We focus on credit, income, savings, and financial consistency so you can prepare confidently—before speaking with a lender or starting your home search.

Is this program for me if I’m not ready to buy right now?

Yes. This program is ideal if you plan to buy within the next 0–24 months or if you’ve been told you’re “not ready” but don’t know why. The goal is preparation and clarity—not rushing the process.

Do I need perfect credit to benefit from this program?

No. Perfect credit is not required. This program helps you understand what imperfect credit really means, what matters most to lenders, and how to position yourself strategically—regardless of where you’re starting.

Does completing this program guarantee loan approval or a home purchase?

No guarantees are made. This program is educational and preparatory in nature. Approval depends on lender guidelines and individual financial circumstances. However, completing the program helps you approach the process informed, organized, and confident.

How does this program connect to working with Kiara as my REALTOR®?

This program is designed to prepare you before scheduling a buyer strategy call. Clients who complete the program typically move through the buying process more smoothly because expectations, finances, and next steps are already clear.

What happens after I complete the program?

After completing the program, you’ll have clarity on where you stand and what your next steps should be. From there, you may be eligible to schedule a buyer strategy call, continue preparing, or move forward with confidence when the timing is right.