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Your Path to Homeownership Starts Here
Welcome to your personalized homebuying journey with
Christy Ervin and Damoris Williams
Your dedicated team for turning the dream of homeownership into reality. Next choose your homeownership path.
If you’ve never pulled your credit or want to see where you stand. Start here:
If you know credit may be holding you back or you’d like guidance on improving it, select:
If you feel confident about your credit and are ready to talk next steps toward buying, choose:
Meet Your Real Estate Expert: Christy Ervin
Christy Ervin is a dedicated real estate professional who brings passion and expertise to every client relationship. With a background in customer service and a genuine commitment to helping others achieve their homeownership dreams, Christy has built a reputation for excellence in the Burke and Richmond county market.
Christy's approach is client-centered, focusing on understanding your unique needs and preferences to find the perfect property. Her commitment to transparent communication ensures you're informed at every step of your homebuying journey.
"I believe that buying a home should be an exciting journey, not a stressful process. My goal is to guide my clients with expertise and care, ensuring they find not just a house, but a place they'll truly call home."
How We Guide You Home
1
Initial Assessment
We begin by understanding your current credit situation and homebuying goals to create a personalized roadmap.
2
Credit Review
If needed, we'll help you navigate your credit health and suggest improvements to strengthen your buying position.
3
Purchase Consultation
Explore mortgage options, down payment assistance, and create a strategy tailored to your financial situation.
4
Pre-Approval Process
Get officially pre-approved with detailed fee worksheets and next steps to make your home search confident and focused.
Our collaborative approach ensures you have expert guidance from both real estate and mortgage perspectives at every step of your homebuying journey.
Meet Your Mortgage Expert: Damoris Williams
Damoris Williams is a seasoned loan officer committed to making the mortgage process as smooth and transparent as possible. With years of experience in the industry, Damoris specializes in helping first-time homebuyers navigate the complexities of financing their dream home.
She has built a reputation for personalized service, clear communication, and finding innovative solutions to common mortgage challenges. His expertise spans conventional, FHA, VA, and USDA loans, as well as various down payment assistance programs.
"My mission is to transform the often intimidating mortgage process into an educational journey that empowers my clients. When you work with me, you're not just getting a loan – you're gaining a financial partner committed to your long-term success."
Do You Have Credit Concerns?
Your credit score is one of the most important factors in mortgage qualification. Being proactive about understanding and improving your credit can save you thousands over the life of your loan.
If you have concerns about your credit score or history, we recommend starting with a comprehensive credit assessment before moving forward with your homebuying journey.

We recommend visiting MyFico.com as it provides the same credit scores that mortgage lenders use (FICO Versions 5, 4, and 2). While the Premium membership does have a monthly fee, it gives you complete visibility into how lenders will view your creditworthiness.

Disclaimer: We have no affiliation with MyFico.com. This is merely a suggestion to help you prepare for the mortgage process. Damoris Williams and our team are not credit counselors.
Credit Review Process
Subscribe to MyFico Premium
Sign up for the Premium membership to access your complete credit profile with all three credit bureaus.
Share Your Scores
After subscribing, inform us of your decision and provide your credit scores so we can begin our assessment.
Book Consultation
Schedule a time on Damoris' calendar for a comprehensive review of your credit situation.
Develop Action Plan
Receive personalized guidance on steps to improve your credit score and prepare for mortgage approval.
Before booking your consultation, please acknowledge that Damoris Williams is reviewing your credit specifically for home purchase readiness based on agency guidelines, not as a credit counselor.
Purchase Consultation
If you're confident in your credit standing, our next step is a comprehensive purchase consultation to explore your homebuying options.
During this personalized session, Damoris will discuss:
1
Mortgage programs that match your financial profile
2
Down payment options and assistance programs
3
Your ideal timeline for purchasing
4
Documentation needed for pre-approval
5
Current market conditions and interest rate environment

Credit Pull Fees: $65 for individual applications or $88 for joint applications. Credit reports remain valid for 120 days, with at least 45 days needed to complete the loan process.
The Pre-Approval Process
Application Review
We analyze your credit report, income documentation, and financial history to determine your eligibility.
Financial Assessment
We calculate your debt-to-income ratio, available funds, and maximum purchase price range.
Pre-Approval Letter
Receive your official pre-approval letter detailing your qualified loan amount and terms.
Fee Worksheet & Next Steps
Get a detailed breakdown of all costs and a personalized video explaining your path forward.
Our thorough pre-approval process gives you confidence when making offers and helps streamline your eventual closing process. Your pre-approval is backed by actual underwriting guidelines, not just a quick estimate.
What Not To Do During Your Home Purchase
Avoid New Credit Applications
Don't apply for new credit cards, auto loans, or other financing. Each application can lower your credit score and change your debt-to-income ratio.
Don't Make Large Deposits
Unexplained large deposits will require documentation of their source. Avoid cash deposits that can't be traced.
Don't Change Employment
Switching jobs during your mortgage process can delay or derail your approval. Lenders want to see stability in your income.
Avoid Large Purchases
Hold off on buying furniture or appliances on credit until after closing. These purchases affect your debt-to-income ratio.
Don't Move Money Around
Keep your funds in one place. Moving money between accounts creates a paper trail nightmare that can delay your approval.
Don't Co-Sign Loans
Co-signing makes you legally responsible for someone else's debt, which counts against your debt-to-income ratio.
Mortgage Glossary: Key Terms Explained
Pre-Qualification vs. Pre-Approval
Pre-Qualification: An informal estimate of how much you might be able to borrow based on self-reported information.
Pre-Approval: A formal commitment from a lender based on verified documentation, credit check, and underwriting review.
Debt-to-Income Ratio (DTI)
The percentage of your gross monthly income that goes toward paying debts. Lenders typically prefer a DTI of 43% or less, including your new mortgage payment.
Loan-to-Value Ratio (LTV)
The relationship between the loan amount and the home's value, expressed as a percentage. Lower LTV ratios typically qualify for better loan terms.
Closing Costs
Fees and expenses paid at closing, typically 2-5% of the loan amount. These include lender fees, title insurance, appraisal, and prepaid expenses like property taxes and homeowners insurance.
Escrow Account
An account managed by your lender to pay property taxes and insurance premiums. A portion of your monthly mortgage payment goes into this account.
Private Mortgage Insurance (PMI)
Insurance required for conventional loans when the down payment is less than 20%. It protects the lender if you default on your loan and typically costs between 0.5% and 1% of the loan amount annually.
Interest Rate
The cost of borrowing money, expressed as a percentage of the loan amount. This determines how much extra you'll pay on top of the principal.
Principal
The original amount of money borrowed, or the remaining balance of the loan, on which interest is calculated. Each payment reduces this amount over time.
Amortization
The process of paying off a debt over time in regular installments, where each payment includes both principal and interest. Early payments lean more towards interest, later ones toward principal.
Fixed-Rate Mortgage
A mortgage with an interest rate that remains the same throughout the life of the loan. This provides predictable monthly payments, making budgeting easier.
Adjustable-Rate Mortgage (ARM)
A mortgage with an interest rate that may change periodically, typically in relation to an index. This can cause your monthly payments to fluctuate.
Underwriting
The detailed process a lender uses to determine if a borrower is eligible for a loan. It involves assessing your creditworthiness, income, assets, and the property itself.
Frequently Asked Questions
How long does the pre-approval process take?
Typically, our pre-approval process takes 1-2 business days once we have All your documentation. For clients with more complex financial situations, it may take up to 5 business days.
What documents will I need for pre-approval?
You'll need: recent pay stubs, W-2s for the past two years, tax returns for the past two years, bank statements for the past two months, photo ID, and documentation for any other income sources or significant assets.
What credit score do I need to qualify?
Minimum credit score requirements vary by loan type: FHA loans typically require 580+, conventional loans 620+, and VA loans 620+. However, higher scores qualify you for better interest rates and terms. We also have programs under 580, that may require a larger down payment. Each scenario is different and we dig in to find one that works for you and your family.
Are there programs for first-time homebuyers?
Yes, there are numerous programs offering down payment assistance, reduced interest rates, or tax benefits for first-time homebuyers. We'll explore all options during your consultation to find programs you qualify for.
One of Our Preferred Certified Credit Counselors
ABOUT TYESTYLE SOLUTIONS
Professional Business Coaching & RealEstate Investing
At Tyestyle Solutions, we believe financial empowerment begins with knowledge and strategic action. Our mission is to demystify the world of credit and finance, providing you with the tools to build generational wealth.
Our founder transformed her own financial situation through mastering credit systems and investment strategies. Today, we share these proven blueprints with clients nationwide, helping them secure funding, improve credit profiles, and build lasting legacies.
"Clean Up Your Past & Secure Your Future"

*$49 Consultation Fee will Be applied to Purchase of Any Additional Upgraded Credit Services.
Ready to Begin Your Homeownership Journey?

Disclaimer: This is not an offer to enter into an agreement. This is not a commitment to make a loan. Not all customers will qualify. Information, rates and programs are subject to change without prior notice. All products are subject to credit and property approval. All approvals are subject to underwriting guidelines.
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