✔️ Your income - is it stable and consistent? ✔️ Your credit score ✔️ Your debt-to-income ratio - how much you owe vs. what you earn ✔️ Savings for down payment, closing costs, and reserves ✔️ Your job history #mortgagetips #mortgage #homeloan

Think your credit has to be perfect to buy a home? 😬 Think again.

AI can give general advice, but it can’t see your full financial picture.

5.0 star review received on Experience.com for Amber Lampe by Curtis C - Amber is amazing experience.com/reviews/amber-…

5.0 star review received on Experience.com for Amber Lampe by Dustin K - Amber was patient and really communicated well with the client during a difficult transaction not to th... experience.com/reviews/amber-…

10 steps sounds like a lot… until you realize step 1 handles the rest.

Somewhere between pre-approvals, rate questions, and “I swear I uploaded it”… this job turns into part loan officer, part detective, part professional follow-upper. But hey, getting you to the closing table? Always worth it 🙌 #LoanOfficerLife #MortgageHumor #RealEstateLife

Nothing humbles a loan officer faster than hearing: “Hey… so I bought a car yesterday ” I promise I’m not trying to ruin your fun. I just don’t want your dream home to get replaced by a brand new car payment. I’m not nosy, I’m protective 😂 #MortgageHumor #HomebuyingTips

4.83 star review received on Experience.com for Amber Lampe by Kevin W J - Amber was great. Great communication. Very knowledgeable on the process. A rock star. W... experience.com/reviews/amber-…

Real estate is the only place where having money isn’t enough… you have to prove it the boring way.

If you’re a buyer, this could open up more options. If you’re an agent, this could save a deal you thought was getting shaky. If you’ve got a VA deal in play and aren’t sure how this impacts it, shoot me a message #VALoans #RealEstateUpdate #HomeBuyingTips #MortgageTips

5.0 star review received on Experience.com for Amber Lampe by Liza D J - Amber was super helpful and did a great job of walking us through options. experience.com/reviews/amber-…

Most people hear “loan officer” and think numbers, rates, paperwork. But the real work? It’s guiding someone through one of the biggest financial decisions of their life… without letting it feel overwhelming. #LoanOfficerLife #HomeBuyingJourney #MortgageTips #RealEstateSupport

There’s a home loan out there that requires zero down… And a lot of people who qualify aren’t even using it. That’s the VA loan. Visit applywithamber.com #VALoan #VeteranBenefits #HomeBuying #LoanOfficerLife #RealEstateTips

If you’ve been hearing about AI but haven’t actually used it in your business, this is where you start. ✔️ Open to ALL REALTORS ✔️ Earn 1 hour of CE credit Secure your spot here, space is limited: 🔗AISkillsforAgents.eventbrite.com #RealEstateAgents #RealEstateTraining #RealtorLife

Always grateful for clients who take a moment to share this. It means the process felt right and that matters most. Truly grateful for the trust and the kind words. #ClientReview #HappyClients #5StarService #ClientExperience #GratefulHeart

Little me had no idea she’d grow up to help people buy homes for a living. Honestly, she’d probably think that’s pretty cool. If buying a home is something you’ve been thinking #DesMoinesRealEstate #LoanOfficerLife #FirstTimeHomeBuyer #HomeBuyingJourney #Mortgage

Fresh produce, farm-raised meats, handmade goods, and local favorites all in one spot . 📍 Downtown Farmers’ Market Saturdays | May–October 7AM–Noon (8AM in October) Save this for your next Saturday plan 👇 #DesMoinesEats #DSMlife #FarmersMarket #ThingsToDoInDSM

If this is your year to buy, move with a plan. The small decisions you make right now can either open doors for you… or quietly close them. Save this for later or send it to someone who’s planning to buy 👇 #FirstTimeHomeBuyer #MortgageTips #HomeBuyingTips #RealEstate

Pre-approval isn’t the exciting part, but it’s the part that puts you in control when the right home shows up. No guessing. No scrambling. No losing out because someone else was ready first. #PreApproval #HomeBuying #HouseHuntingTips #MortgageTips #FirstTimeHomeBuyer