Credit Issues
Past credit problems don't define your future. I work with clients across the credit spectrum — and I'll build you a roadmap to better options.
Life happens: divorce, illness, job loss, business failure. These things can damage your credit — but they don't have to permanently block homeownership.
I work with B lenders, credit unions, and private lenders who look at your whole story, not just a number. And I'll work with you on a credit recovery plan so you can move to better-rate options as quickly as possible.
No shame, no judgment. Just a practical plan to get you from where you are to where you want to be.
What You Get Working with Me
- B lender and alt lender mortgage options
- Credit repair strategies and a realistic roadmap
- Solutions for consumer proposals, bankruptcies, and collections
- Clear path from alt lender to A lender over time
- Non-judgmental, compassionate approach
Common Questions
What credit score do I need for a mortgage?
A lenders typically want 680+. B lenders work with scores as low as 550–600. Private lenders focus less on credit scores and more on equity. We start with where you are today.
Can I get a mortgage after bankruptcy?
Yes — typically 2+ years after discharge for A lenders, or sooner with alt/private lenders. I'll map out your specific timeline and what to do in the meantime.
Ready to Get Started?
Let's talk about your situation. I'll find the best options available for you, at no cost.
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