If you’re serious about buying your first home, don’t wait on a lender to tell you what to fix. Start here 👇🏽 1️⃣ Stop guessing your credit. Pull all 3 reports (Equifax, Experian, TransUnion). Your score alone doesn’t matter your report does. 2️⃣ Payment history is king. One late payment can hurt more than you think. Set auto-pay on EVERYTHING. Consistency matters. 3️⃣ Don’t open new accounts right now. New credit = risk to lenders. If you’re thinking about buying within the next 6–12 months, pause. 4️⃣ Income matters more than hustle. Lenders care about documented, stable income. Side money is great — but it must be provable. 5️⃣ Save even if it feels small. Reserves matter. $25–$50 a week builds the habit lenders want to see. This community will teach you how to move with strategy, not hope. Comment “KEYS” if you’re serious about becoming a homeowner 🔑🏡

Hey y’all 👋🏽 welcome to Keys Secured Academy 🔑🏡 My name is Kayla, and I’m a financial educator and the owner of KLR Financial Solutions. I work closely with clients every day on credit education, homebuyer readiness, and helping people understand what it actually takes to get approved not just told “no” by lenders. I created this free community for people who are serious about becoming first-time homebuyers and want real education, real strategy, and clear direction. This space is about preparing your credit, income, and mindset so when it’s time to buy, you’re confident and ready. No gatekeeping. No fluff. Just guidance, education, and support. Drop an intro under introductions above ☝🏽 • Where are you located? • Are you planning to buy your first home soon or just starting out? Let’s get to work 🔐🏡