Want to optimize your credit score?
Raise your credit score to get the best possible mortgage rate.
Our services include the use of CreditXpert® which is a platform that uses predictive anaylitics to help you qualify. Your top priority for loan approval and the best rates should be boosting your credit score.
Everybody wins
We use a lender provided service to help raise your credit score because it lowers the cost of property ownership for our borrowers, helps Realtors® get the best deals for thier buyers, and puts us in a position to provide money to more happy clients. Everybody wins.
Optimize Credit Score
Individual Credit Plans
Position yourself for the best rates and terms. Our added value credit service eliminates the guesswork from your credit score plan of action.
Borrower benefits
- Qualify for better loan programs
- Lower your interest rate
- Higher loan to value potential
- Reduce your private mortgage insurance premiums
- Know that you got the best rate possible on your mortgage
How it works
- Soft pull to see credit scores
- Analyze credit report data
- Create plan(s) to raise score
- Select plan that’s reachable
- Follow action items right away
- Rescore in after plan completed
- Results in as little as 30 days*
Frequently Asked Questions
Credit score inscrease plan Q&A
Below are the most common questions about how we protect our borrowers privacy.
Will the credit plan cost me anything?
For our applicants, we do not charge for any upfront credit report nor a credit plan. However, we are not a credit repair company and our value added services are for mortgage applicants only. Once your loan is funded, you will see a $100 credit refund fee debited on your settlement statement – this goes back to the loan originator who paid for your credit report.
I am an investor - will this still help me?
Yes. Even if you are doing a fix-and-flp or a DSCR rental loan, your credit score is very important. For a non-owner occupied property, you need a minimum 680 to “cashout” on a property and a miminum 640 to qaulify for flip financing. Plus, rental loan interest rates get more competive at 20 point credit increments.