LESSON 3 OF 6
Build your starting point
Replace guesses with a conversation and verified information.
Private educational draft. Company review pending. This class does not provide a qualifying education certificate.
A Discovery Call starts with your goals, timing and questions. It is not a credit decision. A later application and document review can help the lender evaluate specific options. Ask what any preapproval has actually reviewed and what conditions remain.
Check your credit reports for errors and discuss your income, debts and source of funds through an approved secure process. Before a major purchase, new credit account or job change during a loan process, ask how it could affect the plan. Do not email sensitive documents or upload them to this education site.
MAKE IT CONCRETE
A useful question is: What has been verified, what is still assumed, and what could change before closing? A label alone does not answer those three questions.
Your turn
Write your target timing and the questions you want answered before looking at homes. Keep account numbers and documents out of this workbook.
Check your understanding
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Learning reference: CFPB consumer education. Checked September 16, 2026. Examples are hypothetical.