💡 The Problem:
Many mortgage applications are declined due to:
Low credit scores
The client's credit score reports how well the client manages their money. If it's too low (usually under 620), banks think the client is a risky borrower and may deny the mortgage.
Negative credit marks (collections, bankruptcies, charge-offs)
These are red flags on the client's credit report, like:
- Collections – unpaid bills sent to a debt collector
- Bankruptcies – when the client legally declares they can't pay their debts
- Charge-offs – when a lender gives up and marks the debt as a loss
These all lower the client's credit score and make it harder to get approved.
High unsecured debt
This means the client owes a lot on things like credit cards or personal loans — loans that aren't backed by property. Too much debt makes it look like the client may not be able to afford a mortgage.
High debt-to-income (DTI) ratio
This is a measure of how much of the client's income goes to paying monthly debts. If too much of their paycheck is already used for bills, lenders worry they can't handle a mortgage payment.
As a result, you lose clients and waste time on leads that could have closed — if only they were qualified.
1️⃣ Debt Settlement Program
If your client has unmanageable debt:
- We negotiate with creditors to reduce it by 60–70%
- We help them settle the debt
- Their balances are updated to $0 or "Paid for less than full balance" (meaning that a debt was settled for less than the total amount owed).
Lower DTI
Debt-to-income ratio decreases
Increased FICO score
Customer's credit rating improves
Faster loan approval
Client becomes mortgage-ready
Example:Client with $40,000 in credit card debt → reduced to $16,000 and paid off in 3 payments → Credit score improved by +75 points → Qualified for a Federal Housing Administration (FHA) loan
2️⃣ Credit Repair Program
If the credit report has negative items:
- Collections, bankruptcies, late payments, charge-offs, repossessions
- All can be legally disputed and removed
We also offer:
Authorized user tradelines
5–15 years history, $20K–$50K limits.
Means that someone is added to an existing credit card account (with permission) — even though they don't own the card or use it. The entire positive history of that credit card appears on the authorized user's credit report.
→ Boost scores 50–80 points within weeks
Business credit transfers
To remove debt from personal credit
Result:
- Clean credit file
- Score increase to mortgage-ready range (620+, 680+, 740+)
Example:Client with 660 score → cleaned report + tradelines → new score: 730 → Mortgage rate dropped from 7.5% to 5.5% → Saved $85,000 in interest on a $500,000 loan
Why Work With Us?
Experience
25+ years experience in debt & credit
Success rate
High success rate (approx. 90% of cases approved)
Credentials
Licensed and compliant processes
Efficiency
Fast turnaround (as fast as 30 days)
Transparent updates and white-glove service:
- We explain the process clearly
- We handle all the paperwork and communication
- We provide personal updates on progress
- We support the client until they are loan-ready
Contact Us Today
