How Do I Get Approved For A Mortgage? What Financing Works For Me? A Real Talk Guide🔎👀

Hi there.👋

I am Deanna Parson with the This Girl Sells Houses Team at ERA Real Solutions Realty. If you are thinking about buying a home, your very first question probably sounds a lot like this:

“How do I even get approved for a mortgage?”

You are not alone. Financing can feel like walking into a room full of acronyms that everyone else magically understands. FHA. PMI. DTI. VA. It is alphabet soup with your future on the line. No wonder buyers get overwhelmed.

Let us simplify the path.

Mortgage approval typically comes down to four main ingredients:

• Income
• Credit
• Debt
• Assets (think down payment and closing funds)

A lender reviews these to figure out what monthly payment you can comfortably handle. You do not need to be perfect in every category to qualify. You just need a plan.

So what financing works for you? That depends on your life, not someone else’s.

Here are a few common loan options:

• FHA Loan. Great if your credit score is still growing. Lower down payment options.
• Conventional Loan. Perfect for stronger credit and flexibility in the long run.
• VA Loan. For veterans and active-duty service members with incredible benefits.
• USDA Loan. Zero down in eligible rural areas. Northern Kentucky has more of these zones than you might think.

You do not have to choose your loan on day one. The goal is to connect early with a trusted lender who can show you real numbers tailored to your budget, career, and timeline.

This is where I come in.

Our team is the number one ERA team in Northern Kentucky with 913 successful transactions and over 25 years of combined experience. We work side by side with the best lenders in the region. We explain everything in human language. We build a roadmap so you feel confident and prepared long before you step inside your dream home.

Here is what you can expect with me guiding your journey:

• Quick introductions to lenders who fit your needs
• A crystal clear picture of your buying power
• Strategy to strengthen your approval if needed
• A home search that stays inside your comfort zone
• A partner who celebrates each milestone from pre-approval to keys in hand

Owning a home starts with clarity. Not stress. Not guesswork.

If you are curious where you stand or what your options look like, reach out anytime. No pressure. Just real answers designed around you.

✨Your financing is the foundation. Your home is the reward. Let’s build both the right way.✨

Call or text: 513-857-8201
Deanna Parson
This Girl Sells Houses Team at ERA Real Solutions Realty