At LJ Mortgage Team , we believe in complete transparency and personalized guidance so our clients can make confident homebuying decisions. Here’s a real example of how we help turn dreams into reality: 📍 Purchase Price: $780,000 💰 Down payment: 20% 📈 Credit Score: 780 (Excellent!) 🏡 Household Income: $128,879 💳 Monthly Debt: $0 – strong financial position 📊 Property Taxes: $11,564/year 🛡 Home Insurance: $1,957/year 💵 Closing Costs: $22,000 By reviewing every