Los Angeles, California

Walk into your mortgage meeting actually ready.

HomeReady prepares first-time homebuyers — and those rebuilding their credit — before they sign a single document or shake a single hand.

No more surprises. No more confusion. Just a clear plan, built by a 20-year mortgage veteran who has no financial stake in which loan you choose.

The Problem

Buyers walk in blind. Then they get hurt.

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They don't know what documentation they need until the lender asks for it last-minute.

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They're shocked by how much cash they actually need at closing — down payment, fees, reserves.

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They don't understand how their credit score directly determines their options and rates.

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Loan officers are busy. Realtors are busy. Nobody has time to actually educate them.

67%
of homebuyers who receive education stay current on their mortgage — vs. those who go in blind
$90K+
annual income typically needed to afford an average LA home
140K+
FHA loans to first-time buyers in 2025 — all requiring education
The Solution

Personalized mortgage readiness, before the lender.

HomeReady is not a lender. We're not a real estate agent. We're the expert who helps you understand the game BEFORE you play it.

Clarity
Understand exactly where you stand — credit, income, savings — before you spend a single dollar on a home.
A Real Plan
Not a pamphlet. A specific, actionable roadmap built for your situation — with credit guidance, savings targets, and timeline estimates.
Trusted Guidance
20 years inside mortgage lending. 20 years of watching buyers succeed — and fail. Maria knows what lenders actually want to see.
Services

Three ways to get ready.

Initial Consultation
$150
Start here
  • 90-minute 1-on-1 session
  • Honest assessment of where you stand
  • Custom action plan to move forward
  • Mortgage guide workbook with Q&A, terminology, and what to expect
Book Now →
Game Plan
$950
Most popular
  • Everything in Consultation
  • Detailed credit improvement roadmap
  • Savings timeline and target breakdown
  • Weekly check-ins for 8 weeks
  • Updated action plan as you progress
  • Direct access via text/email
Get Started →
White Glove
$3,000
Full service
  • Everything in Game Plan
  • Introduction to vetted LA lenders and Realtors
  • White glove coordination from application through close
  • Concierge support through your move
  • Ongoing check-ins through closing
Get Started →

All sessions conducted via Zoom or phone. Workbook delivered digitally. Payment plans available.

Why HomeReady

Not a lender. Not an agent. Just the truth.

Most people offering "mortgage help" have a financial incentive. They get paid when you close a loan. HomeReady gets paid to educate you — nothing else.

Maria spent 20 years inside mortgage lending. She's seen the same mistakes made thousands of times. She's building HomeReady to stop those mistakes before they happen.

Maria Tarro
Founder, HomeReady
20 years in mortgage origination
Former Loan Consultant, New American Funding
NMLS Licensed
Los Angeles, California
"Buyers deserve to know what they're walking into. The confusion is preventable — I want to prevent it."

Your first home is waiting.
Make sure you're ready for it.

The mortgage process doesn't have to be overwhelming. It doesn't have to be confusing. It doesn't have to catch you off guard.

HomeReady gives you the knowledge, the plan, and the confidence to walk into your mortgage meeting knowing exactly where you stand.

That's not a luxury. That's the right way to buy a home.

Book Your Consultation — $150 →