Many families feel stuck between large consumer debt and the dream of owning a home.

But with the right structure, it’s possible to solve both problems at the same time.

Here’s how it can work 👇

1️⃣ Review the numbers clearly

The first step is to understand income, debt, and qualification limits.

This shows what’s possible and what needs to be adjusted.

✔️ review purchase price targets

✔️ verify credit scores

✔️ confirm available down payment

Clarity always comes before approval.

2️⃣ Collect complete documentation

When debt is involved, strong documentation helps present the file properly to lenders.

This is especially important when rental income or self-employment is part of the application.

✔️ income documents

✔️ self-employment confirmation

✔️ rental agreements if applicable

The more complete the file, the stronger the approval.

3️⃣ Rework the debt service ratios

Debt can severely impact qualification, but strategic planning can bring ratios into range.

This is where a broker can make a major difference.

✔️ adjust income calculations

✔️ apply rental income correctly

✔️ restructure liabilities where possible

Small adjustments can lead to large qualification improvements.

4️⃣ Build the final mortgage solution

With the right structure, it’s often possible to secure the mortgage and clear consumer debt at the same time.

✔️ gifted down payment if allowed

✔️ rental income added to qualification

✔️ cash-back used to eliminate outstanding debt

This allows families to purchase while leaving debt behind.

💬 Final Thought

You don’t have to choose between buying a home and paying off debt — with the right plan, you can do both.

If you want help building a strategy that fits your situation, message The Frontline Mortgage Group anytime. 💬