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For Homebuyers & Realtor Partners

Don't let your credit score cost you your dream home

A 50-point difference in your credit score can mean tens of thousands of dollars over the life of a mortgage. We help homebuyers get mortgage-ready — and we work directly with your realtor and lender to make the process seamless.

Book Your Free Credit Review See What You Could Save

What a better score saves you

Home price$400,000
30-year fixed, 680 score6.8% APR
30-year fixed, 740 score6.1% APR
Monthly payment difference−$178/mo
$64,080
Total savings over the life of the loan
Credit Score Thresholds

Where you stand determines what you qualify for

Different loan programs have different minimum scores. Here's what lenders are looking for — and where we can help you get.

760+
Excellent
Best conventional rates. Lowest PMI costs. Maximum loan options and negotiating power with lenders.
700–759
Good
Strong conventional rates. Most loan programs available. Competitive PMI rates. Solid negotiating position.
620–699
Fair
Conventional loans possible but higher rates. FHA loans available at 620+. Higher PMI costs. Room to improve.
<620
Needs Work
Most conventional loans unavailable. FHA may still work at 580+. This is exactly where we help — let's talk.
What Lenders Look At

The five factors that determine your score

Understanding these is the first step to improving them. We teach you all of this in your Credit Education Class.

35%

Payment History

Late payments, collections, and charge-offs. This is the biggest factor and often the first thing we address together.

30%

Credit Utilization

How much of your available credit you're using. Under 30% is good, under 10% is ideal. Quick wins are often possible here.

15%

Length of Credit History

How long your accounts have been open. We help you protect older accounts and avoid common mistakes that shorten your history.

10%

Credit Mix

Having a healthy mix of account types — credit cards, installment loans, etc. We advise on strategic account decisions.

10%

New Credit Inquiries

Recent applications for credit. Too many inquiries can lower your score. We help you time applications strategically.

Your Timeline

How long does it take to get mortgage-ready?

Every situation is different, but here's a realistic timeline of what to expect when working with us.

Week 1

Free Discovery Call + Report Pull

We talk through your situation and goals. You pull your free 3-bureau credit reports. We review everything and identify exactly what's standing between you and mortgage approval.

Week 1–2

Credit Education Class + Action Plan

We meet for your education session — you'll understand how mortgage scoring works, what's hurting your score most, and exactly what steps to take. You leave with a numbered action plan.

Weeks 2–6

Execute the Plan Together

Disputes filed, collectors contacted, utilization optimized. We're right there with you for every step — text, call, or message anytime. Your realtor stays in the loop on progress.

Weeks 4–8

Score Improvements Begin

Dispute responses come back. Deleted items drop off. Utilization changes reflect. Most clients see meaningful score movement in this window.

Weeks 6–12

Mortgage Application Ready

Score has improved, report is clean, and you understand your credit. Time to reconnect with your lender and move forward with your home purchase.

Our Partners

Realtors & lenders we work with

We work closely with trusted real estate professionals to help their clients get mortgage-ready. If your realtor or lender sent you here, you're in good hands.

Judd Buley, Home Loan Officer

Judd Buley

Home Loan Officer

Judd specializes in guiding first-time homebuyers through the loan process with clear communication and a relationship-first approach. Once we've helped improve your credit, Judd works with you to find the right loan for your unique situation — from conventional to construction lending.

Learn more about Judd

Realtor Partner

Coming Soon

We're building our network of trusted real estate partners. Check back soon.

Realtor Partner

Coming Soon

We're building our network of trusted real estate partners. Check back soon.

Referral Form

Refer a client or get started yourself

Whether you're a realtor referring a client or a homebuyer reaching out directly, this form gets the process started. We'll be in touch within 24 hours.

Get Started

All fields are optional except name and contact info. The more we know, the better we can prepare for your free call.

Your information is confidential and never shared. We'll reach out within 24 hours to schedule your free 15-minute discovery call.

Homebuyer FAQ

Common mortgage & credit questions

It depends on the loan type. Conventional loans typically require 620+, FHA loans can work at 580+, and VA loans have no official minimum but lenders usually want 620+. The higher your score, the better your rate — and a better rate can save you tens of thousands over 30 years.

Most clients see meaningful improvement within 30–60 days, and many are mortgage-ready within 2–3 months. It depends on what's on your report — some things are quick fixes (utilization, errors), while others take longer (collections, late payments). We'll give you a realistic timeline on your free call.

No. Pulling your own credit report through AnnualCreditReport.com is a "soft pull" and has zero impact on your score. We always recommend clients pull their own reports this way — it's free, it's your legal right, and it doesn't affect anything.

Your realtor knows your home purchase depends on your credit, so they connected you with us to get you qualified. The process is the same — free discovery call, education class, action plan, ongoing support. With your permission, we can keep your realtor updated on your progress so they know when you're ready to move forward.

Absolutely. All of our sessions are conducted remotely via Google Meet, so we work with clients nationwide. The process and quality of service is identical regardless of location.

Not necessarily — getting pre-qualified early gives you a target score to work toward. Many of our partner lenders can do a preliminary review and tell you exactly what score you need. Then we build your action plan around that specific target. It's actually more efficient to do both in parallel.

Get started

Your dream home is closer than you think

Book a free 15-minute call. We'll review your situation, give you a realistic timeline, and explain exactly how we can help you get mortgage-ready.

Book Your Free Credit Review
15 minutes
(503) 893-5810
A real person, every time
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