Self-employed buyers
Understand which income records a licensed mortgage professional may need and how to prepare them.
Ducere Financial Group · Mortgage Readiness
A mortgage
with a map.
Told to “come back in a year”—but not told what to do next? Start with an honest look at where you stand and a clearer path toward mortgage readiness.
Request a Free Mortgage Readiness Check →Guidance, not a promise of approval. Licensed activities are referred to a partner broker.
Looking for investment-property financing? Explore private lending.
Your path to purchase
Not ready today does not mean no direction.
For buyers planning roughly 6–24 months ahead—not a promise of approval within that period. You deserve clarity about what needs attention and what comes next.
After credit repair
Turn progress into next steps. Completing credit repair does not, by itself, establish mortgage eligibility.
Lease-purchase buyers
Plan ahead of your exercise window and discuss financing readiness before contractual deadlines arrive.
The roadmap
Know where you stand. Know your next step.
An honest starting point
Request a Free Mortgage Readiness Check. DFG coordinates next steps; any licensed review or prequalification is referred to a partner broker.
A written roadmap
The review is designed to identify documentation gaps and readiness milestones in a month-by-month action plan, with timelines based on your individual situation.
Progress, not guesswork
Plan monthly check-ins to review milestones and update next steps. When appropriate, a licensed partner can discuss payment estimates and a potential application.
Before you begin
Clear answers. No guarantees.
Can I qualify for a mortgage after credit repair in Georgia?
Possibly, but credit repair alone does not establish eligibility. A licensed mortgage professional must evaluate your current credit, income documentation, debts, and other applicable requirements. A readiness review helps identify what still needs attention.
What if I am self-employed in the Atlanta area?
Self-employment can require a different documentation approach. A partner broker can review which records may be appropriate for your situation. No particular loan product or approval is promised.
How do I prepare to buy after a lease-to-own agreement?
Start before your purchase-option deadline. Review the agreement and deadlines with the appropriate professionals, organize your financial records, and request a licensed mortgage review. A readiness plan does not extend your agreement or guarantee financing.
Is this a mortgage application or an approval?
No. Contacting DFG is a request for readiness guidance and, where needed, referral to a licensed partner broker. It is not a loan application, preapproval, commitment to lend, or guarantee of improved credit or future eligibility.
Start with a conversation
Free Mortgage Readiness Check
Ask about a licensed review of where you stand and a written, month-by-month action plan. DFG coordinates the introduction; activities requiring a license are handled by a partner broker.
The email link opens your email app; your request is sent only when you send the message. Do not email Social Security numbers, account numbers, credit reports, or financial documents.
Educational guidance and referral coordination only. No rates or loan terms are offered here. Eligibility, timing, payment estimates, and any financing decision depend on a licensed lender’s review and applicable requirements. No financial outcome is guaranteed. Readiness guidance is offered without discrimination consistent with applicable fair housing and equal credit opportunity laws.