Not quite ready to buy? We help you get there. Full credit repair, one-on-one coaching, and access to the right funding program — so nothing stands between you and your next home.
Start Your Free AssessmentThe Problem
Most buyers who are told "not yet" don't need to wait years. They just need the right guidance and the right plan.
Most conventional loans require a 620+ score. FHA requires 580+. If you are below those thresholds — or want a better rate — credit repair is the fastest path forward.
Errors, outdated accounts, and collection items that shouldn't be there are dragging your score down. Disputing and correcting these can raise your score in 30–60 days.
Conventional, FHA, DSCR, hard money, private money — the right program depends on your situation. Most buyers never get introduced to options beyond the bank that turned them down.
Credit Repair
We work with you directly — not a faceless service — to review your credit report, identify what is hurting your score, dispute inaccurate or outdated items, and build a step-by-step plan to get you to a qualifying score.
Credit coaching goes beyond the repair. We teach you how credit works, how to use it strategically before a home purchase, and how to protect the score you build so you keep your rate low at closing.
Full 3-bureau credit report review and analysis
Dispute letters for inaccurate, outdated, or unverifiable items
Debt-to-income optimization guidance before applying
One-on-one coaching sessions to build your plan
Score monitoring and milestone check-ins until you close
What to Expect
We pull your report, review all three bureaus, and identify exactly what is holding your score back. No cost, no obligation.
You get a written action plan — what to dispute, what to pay down, what to leave alone — with a projected timeline to reach your target score.
We file disputes, track responses, and coach you through every step. Most clients see meaningful score improvement within 30–90 days.
Once you hit your target score, we connect you to the right lender for your situation and walk you all the way to closing.
Funding Access
Most buyers only know about conventional loans. We have access to a full range of programs — and we match you to the one that fits your credit profile, income, and goals.
For First-Time & Primary Buyers
FHA loans require as little as 3.5% down and accept scores as low as 580. They are the most accessible path to homeownership for buyers rebuilding credit or working with limited down payment savings.
Min. Score
580+
Down Payment
3.5%
Best For
Primary Home
For Investors & Self-Employed
Debt Service Coverage Ratio loans qualify based on the property's rental income — not your personal income. Ideal for investors, self-employed buyers, and anyone whose tax returns don't reflect their true financial picture.
Min. Score
620+
Down Payment
20–25%
Best For
Investment
For Fast Closings & Rehabs
Hard money lenders move fast — often closing in 7–14 days — and qualify based on the property's value, not your credit history. Best for investors buying distressed properties, flips, or time-sensitive deals.
Speed
7–14 Days
Basis
Asset Value
Best For
Flips / Rehab
For Flexible Terms
Private money lenders offer flexibility that banks and hard money lenders cannot. Terms are negotiable, credit requirements are minimal, and deals can close on the timeline that works for both parties.
Credit
Flexible
Terms
Negotiable
Best For
Any Deal
Free Assessment
Tell us where you are and what you're working toward. Ty will review your situation and reach out within 24 hours with a clear next step — no pitch, no pressure.
Ty will review your assessment and reach out within 24 hours with a clear next step. Check your email — a confirmation is on its way.
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Most clients see meaningful improvement within 30–90 days of starting the dispute and coaching process. The timeline depends on what is on your report and how quickly the bureaus respond to disputes. We set realistic milestones with you from day one.
FHA loans accept scores as low as 580 with 3.5% down. Conventional loans typically require 620+. The best rates go to buyers with 740+. DSCR and private money loans have flexible requirements. After your assessment, we tell you exactly what score you need for your target program.
DSCR loans typically require a 620+ score but qualify primarily on the rental income the property generates — not your personal income. Hard money lenders focus almost entirely on the property's value and your exit strategy. These are strong options for investors who have credit challenges but solid deal opportunities.
Yes. The initial credit assessment and consultation is completely free. We review your situation, tell you exactly where you stand, and give you a clear action plan. There is no cost and no obligation to continue beyond that point.
Absolutely. Many of our best client relationships start 6–18 months before someone is ready to buy. Getting the credit and financing foundation right before you need it puts you in a much stronger position when the right property appears.
Ready to Start?
One free assessment. A clear plan. And a REALTOR® who stays with you from credit repair all the way to closing.
Get My Free Assessment