Couple, ages 41 and 39 · Boca Raton, FL · 12 months
Boca Raton Couple Stacked Reserves, DTI, and Credit for Premium Mortgage Pricing
Hit all three premium-tier mortgage benchmarks: 8-month reserves, sub-30% DTI, 760+ mid-score.
Mid-score
712762
DTI
38%27%
Reserves
2 mo8 mo
Challenge
Pre-qualified but at standard pricing. Wanted top-tier pricing and no PMI.
Approach
- 01Built 8 months of post-closing reserves.
- 02Paid down auto and one revolving account to drop DTI under 30%.
- 03Tuned credit using AZEO + dispute work to a 762 mid-score.
Outcome
Approved at the premium pricing tier. PMI waived with 22% down. Total payment ~$430/mo below initial quote.
FAQs
What earns premium mortgage pricing?
740+ mid-score, sub-36% DTI, 6+ months reserves, and 20%+ down are the most common combination.
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