Homebuyers
Credit Repair for Homebuyers
A 20-point score lift can save you $40,000 over the life of a mortgage. We optimize every variable underwriters touch — fast enough to lock your rate.
Your position on the board
You're playing for the queen — the house. Every captured piece on your file costs you basis points. We don't play to clean up; we play to checkmate the approval.
Your move
Queen's gambit — let's plan the full game.
Book a homebuyer strategy session before your rate-lock window opens.
Book a Strategy SessionMortgage credit is a different game than consumer credit
Lenders pull the FICO 2/4/5 mid-score, not the score you see on Credit Karma. The dispute and rescore strategy that works for credit cards can actively hurt a mortgage file. We use the mortgage playbook.
Rapid rescore: 5–10 business days
When you have an active loan officer, we can use rapid rescore to update the bureaus in days instead of weeks — paying down a card, removing a collection, or fixing an error in time to lock your rate.
Optimize utilization the underwriter sees
Statement-date utilization, not due-date utilization, hits your mortgage score. We coordinate payment timing to land at 1–9% utilization on the bureau pull date.
What never to do before closing
Don't open new credit, don't close old cards, don't co-sign, don't move money in big chunks. Every move is a captured piece during underwriting.
Frequently asked
What credit score do I need to buy a house?
FHA: 580 with 3.5% down (500 with 10% down). VA: usually 580–620. Conventional: 620 minimum, 740 for best rates.
How fast can credit repair get me mortgage-ready?
Most homebuyer clients move 40–80 points in 90 days with a focused dispute + utilization + tradeline plan.
Will disputing accounts during a mortgage hurt me?
Yes — open disputes can pause underwriting. We coordinate with your loan officer so disputes resolve before, not during, the application window.
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