Not sure your credit is ready for a home loan? I'll review it with you and build a personal, step-by-step plan: what to do next, the balance to aim for on each card, and letters you can print, sign and mail yourself. It's free, and you never have to get a loan with me.
Tell me a little about you and verify your phone or email with a 6-digit code.
I go over your credit with you and explain what's helping and what's holding you back.
Your plan shows up in your own account: steps with dates, card targets and your letters.
Check things off as you go. I check in along the way and update your plan as your scores change.
You stay in control: you decide what to send, and you sign and mail your own letters. No score change, removal or loan approval is guaranteed.
I'm a mortgage loan officer (NMLS #1111313) with CLEAR Home Loans. A lot of people I meet are closer to buying a home than they think. They just need a clear plan and someone in their corner. That's what this is.
No. I'm a mortgage loan officer, not a credit repair company, and I never charge for this. Credit coaching is education: I help you understand your credit report, make a plan, and decide what to do. You stay in control, and you sign and mail any letters yourself.
Nothing. It's free, and you never have to get a loan with me to use it.
Sign up and verify your phone or email. I review your credit with you and build a personal plan: your next steps with dates, target balances for each card, and letters you can print, sign and mail yourself. Sign in any time to check things off, and I check in along the way.
No one can legally remove accurate, up-to-date information from your credit report. If something on your report looks wrong or incomplete, I'll show you how to dispute it with the credit bureaus yourself, for free. For everything else, the plan focuses on what actually moves scores: on-time payments and lower card balances.
It depends on your credit. Lower card balances usually show up within a month or two of being reported. Recent late payments take longer to fade. Your plan includes a realistic timeline, but no one can guarantee a score change.
South Carolina residents who want to buy a home, or be added to a loan, and want a clear path to get mortgage-ready.
It's free, it's personal, and you're in control the whole way.