Hi, I’m Lisa Burkhardt
I Help You Get Mortgage Ready

For over 20 years I worked inside the lending system helping people get mortgage ready as a mortgage underwriter, lending and collections supervisor and Visa Director.

I trained underwriters how to read credit reports. I made the call on approvals, denials, conditions. I know exactly what makes a lender say yes, and exactly what stops them before you finish the application.

I built RealTalk Credit because the people who need this information most can’t get it from anyone without a commission conflict. A realtor gets paid at closing. A lender gets paid at closing. I don’t get paid at closing which means I can tell you the truth.

Most people don’t know that DTI and job stability matter more than their credit score. Most people don’t know their score controls what they pay, not just whether they get approved. You’ll find out here first before you ever sit across from a lender.

  • No commission. No conflict. Objective guidance from someone with nothing to gain from your transaction.
  • Lender’s perspective. Not a credit coach. The person who actually sat at the approval desk for 20 years.
  • Full file focus. Credit score, DTI, employment history, down payment, reserves the complete picture, not just one number.
  • Both sides of the conversation. Credit rebuilding AND mortgage readiness because your score impacts what you pay, not just whether you qualify.
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