📈 Improve Your Credit Score and Boost Your Buying Power

We can help borrowers with credit scores as low as 580 — but that doesn’t mean it’s the best option.

Our ultimate goal is to help you raise your score to 620 or higher, so you can qualify for better interest rates, lower monthly payments, and more lender flexibility.

✅ Why Aim for a 620+ Credit Score?

💡 Real-Life Scenario

Let’s say you're buying a $275,000 home with a USDA or FHA loan.

• 580 Score:
  You might qualify, but you’ll likely see a higher interest rate, possibly over 6.75%, which means a higher monthly payment and larger lifetime interest cost.
• 620+ Score:
  You could get a lower interest rate (closer to 5.875%–6.25%), potentially saving hundreds of dollars per month and thousands over the life of the loan.

🚫 Why 580 Isn’t Always Enough

Even though lenders may accept scores starting at 580, many borrowers are denied because of:

• Recent late payments
• High credit utilization
• Collections or charge-offs
• Thin credit profiles with limited history

💪 How We Can Help You Improve

We’ll work with you step-by-step to:

• Analyze your credit report and identify problem areas
• Dispute incorrect items
• Offer guidance on paying down revolving credit
• Show you which accounts to keep open and why
• Give you a personalized credit improvement roadmap

🎯 The 620+ Credit Advantage

• Lower rates
• More options (FHA, USDA, and even conventional)
• Less risk of loan denial
• Stronger negotiating power with sellers and lenders
• Potential for seller concessions to work harder for you

📲 Ready to Start?

Fill out our quick form below, and we’ll send you a free personalized credit improvement action plan.

Let’s turn your current credit score into a stepping stone toward homeowner

Absolutely — here’s a revised version of your “Improve Your Credit Score” webpage draft that reflects a Christian perspective, includes details about the credit report fee and reimbursement, and clearly explains the no-charge credit guidance approach.

🙏 Faith-Based Credit Guidance to Help You Prepare for Homeownership

We believe in serving others with integrity, and that includes helping our clients become better stewards of their finances. While we can work with credit scores as low as 580, our mission is to help you raise your score to 620 or higher — not just for a better loan, but for long-term financial peace of mind.

We’re here to walk alongside you, offering honest, no-cost guidance rooted in Biblical principles of wisdom, diligence, and stewardship.

“The plans of the diligent lead surely to abundance...” – Proverbs 21:5

🙌 Why 620 Matters — And Why We’ll Help You Get There

Even though we can help you with a 580 credit score, you’ll unlock far more opportunities and savings by reaching 620 or higher — and we’re here to help you make that happen.

💵 The Reality of Lower Credit Scores

Having a score below 620 might mean:

• Higher interest rates (sometimes over 6.75%)
• Increased monthly payments
• Less room to negotiate with sellers
• Tighter underwriting requirements
• Risk of being denied due to other negative credit factors

Even if your score is 580, recent late payments, charge-offs, or collections can disqualify you from getting approved.

✝️ Our Faith-Based Approach

We do not charge for credit guidance. We offer it as a ministry to help you grow and move forward. Our role is to guide you, encourage you, and help you understand what steps to take to improve your score.

But the responsibility to follow through — to pay off debts, reduce credit utilization, or dispute errors — is ultimately yours.

“In all toil there is profit, but mere talk tends only to poverty.” – Proverbs 14:23

💳 Credit Report Fee (Reimbursed After Closing)

To get started, a credit report will need to be pulled. This is typically around $75 for single borrower and around $110, which is paid upfront by you, the prospective borrower.
✅ Good news: That fee will be fully reimbursed after you close on your mortgage with us.

🛠️ What We’ll Help You Do

• Review your full credit report with you
• Identify problem areas (collections, high balances, etc.)
• Show you what actions will make the biggest impact
• Create a simple, faith-centered plan for improving your score
• Encourage you every step of the way

💡 A Better Future Awaits

Improving your credit isn’t just about numbers — it’s about taking control of your future and preparing to provide a stable home for yourself and your family. You can do this — and we’re here to help.

📥 Ready to Get Started?

Fill out the form below to begin your journey. We’ll contact you to go over your credit report and give you a free, personalized action plan.

🔒 No pressure. No obligation. Just honest, faith-driven guidance to help you prepare for homeownership.