Avery Kishore Real Estate & Mortgage

🚨 Waiting to buy because you think you need:

❌ 20% down
❌ Perfect credit
❌ “The right time”

You may be waiting for no reason.

I just released a YouTube video breaking down one of the biggest mortgage myths I hear from buyers and how FHA financing may help more people become homeowners than they realize.

Inside the video we cover:
🏡 FHA down payment options
📈 Credit score misconceptions
💰 Looking beyond just the interest rate
🔑 Home buying strategy

🎥 Watch the full breakdown here:

https://youtu.be/ylF4qKyisJc?si=1sdheQgFHPgmMczP

Tag someone planning to buy 👇

🏡 The Mortgage “Rule of 2” ✌️

Getting pre-approved doesn’t have to be complicated.

✔️ 2 years tax returns
✔️ 2 bank statements
✔️ 2 pay stubs (4 if paid weekly)
✔️ 2 forms of ID
✔️ 2 months asset / retirement statements

Having these ready can speed up your pre-approval and help you move faster when the right home hits the market. 🔑

Comment “TWO” and I’ll send the full checklist 📥

The best homes don’t wait for buyers to “get ready.” 🏡⏳

One of the biggest mistakes I see buyers make is waiting until they find the perfect house before getting pre-approved. By the time they’re ready, the home may already be under contract or they’re rushing to get documents together.

A mortgage pre-approval helps you understand your buying power 💰, estimated payment 📊, and what loan programs may fit your goals before you start shopping.

It also shows sellers that you’re serious and financially prepared 🔑 In competitive situations, a strong pre-approval can help strengthen your offer compared to buyers who are still in the planning stage.

Markets change 📈 Rates move. Inventory changes. Prices shift.

Being prepared gives you options and confidence when the right home shows up.

If you’re thinking about buying and want to understand where you stand, feel free to reach out 📥

Applying for multiple credit cards or loans at once? That can hurt your mortgage approval 📉

Every application = a hard inquiry
Too many in a short time = higher risk to lenders

👉 Only apply when necessary
👉 Space them out
👉 Avoid new credit before buying a home

Small moves like this can impact your approval and interest rate 🏡

Planning to buy soon?
Message me before you apply—I’ll help you move the right way 🤝

💳 Think a $0 balance helps your credit? Not always…

Lenders don’t just want no debt—they want to see how you manage it.

👉 Use your card
👉 Keep it at 10–30%
👉 Stay consistent

No activity = less data
Smart activity = stronger profile 📈

That’s what helps when it’s time to get approved 🏡

Want to know how your credit should look before applying?
DM me “CREDIT” 🤝

Maxed out credit cards? 🚫
That alone can hurt your chances of getting approved.

Even if you pay on time…
high utilization = higher risk to lenders.

Keep your balance at 10–30%
and watch what happens to your score 📈

Buying soon?
Comment “CREDIT” and I’ll help you fix it before you apply 🤝

Most people check their credit score…
but have no idea what’s actually on their credit report. 👀

That’s the part lenders really look at.

Your accounts.
Your payment history.
Your balances.
Any late payments or collections.

Your score is just the summary…
your report is the full story.

If you understand this before applying,
you’re already ahead of most buyers.

Comment “CREDIT” and I’ll help you break yours down the right way. 🤝

Not a U.S. citizen? You may still be able to buy property in the U.S. 🏡🌎

A Foreign National loan is designed for buyers who live outside the U.S. and may not have traditional U.S. income or credit.

👉 No U.S. tax returns required
👉 Flexible documentation options
👉 Great for international buyers & investors

You don’t always need citizenship to invest in real estate here.

Want to see if you qualify?
Message me “FOREIGN” and I’ll break it down for you 🤝