The Mortgage Credit Experts
Don't let bad credit stop you from buying your dream home!
*View our referrals at the bottom of the page
Mortgage Credit Restoration
Mortgage Credit Experts is the leader in cleaning up credit reports with the specific purpose of qualifying for a mortgage loan. We partner with loan officers to get you into your new home as soon as possible!
01
We put together a custom game plan, with the help of the in-house credit experts, to reach the largest score in the desired time frame.
02
Each game plan is specific towards the goal and time frame so not all negative accounts have to be addressed (this helps save you money).
03
We charge per account. Since the game plan is custom-tailored for you, accounts can be paid as you go.
04
Communication is kept between us and your loan officer to make sure we are all on the same page and your transition back to getting a home loan is smooth.
Accounts we Address
Charge Offs
Lowest possible settlement of the charged off
balance which leads to a certain score increase
as though paid in full.
*Based on the Fico 2,4 and 5 model
Student Loans
In collections or hurting your debt to income ratio we can help with
that.
Collections
Negotiated removal of tradeline upon payment. Most collections
are settled for much less than the full balance.
Guidance
Advice to raise your credit score with proven methods and experience.
Late Mark
Late mark removals are not common but possible.
Rapid Rescore
We know what documents are needed and how to get them to expedite the score increase.
*This must be something done in
conjunction with your lender.
Working with a Loan Officer or Realtor?
We can work hand-in-hand with the loan officer and realtor of your choice.
It's especially important to work with a loan officer that you trust, since they are integral in determining what your target score and remaining bank balance must look like in order to get you the home of your dreams. If you don't have a preferred loan officer/realtor, we can connect you with one of our trusted and proven partners all over the US. (Many listed below)
Need to Expedite a New Score?
Some lenders we work with have a process called “Rapid Rescore” that allows us to update your scores within a week of submitting the proper documentation needed. We have experience understanding what the rescore team needs to complete the process with minimal hiccups.
FAQs
Have Another Question?
Talk to us today!
