Get your file ready before you apply for a mortgage
We help you understand where your credit and documentation stand, and what to fix before a lender looks at your file, so you go into the application with a clear picture instead of surprises.
At a glance
- Who it's for
- Anyone preparing to apply for a mortgage who wants their file in the strongest shape first.
- What it costs
- Quoted after a free consultation, based on what your file needs.
- How long it takes
- Varies by what needs addressing, from a quick review to several weeks of prep.
What we actually do here
Mortgage lenders look closely at your credit history, income documentation, and existing debt. Small issues on your credit file, or missing paperwork, can slow down or complicate an application that would otherwise move smoothly.
We review your file ahead of time, flag anything worth addressing, and help you get your documentation organized, so when you do apply, there are no surprises for you or the lender.
We are not a mortgage lender or broker. We prepare you to apply in the strongest position, the actual loan comes from your lender.
We don't quote rates or make offers
Because of how SMS is regulated for mortgage-related messaging, and because we're not a lender, we don't send rate quotes or loan offers by text, and we won't pretend to know what a specific lender will approve. That's between you and your mortgage lender once your file is ready.
What we can do, and what we can't
What we can do
- Review your credit report and flag anything that could complicate a mortgage application
- Help you organize income and financial documentation lenders typically request
- Coordinate with our credit repair service if your file needs disputes filed first
- Explain generally what lenders look for, in plain terms
What we can't do
- Act as your mortgage lender or broker, or offer a loan directly
- Quote a rate, guarantee approval, or promise loan terms
- Send rate quotes or loan offers by SMS to cold leads
- Guarantee a specific outcome from your actual mortgage application
How it works
Consultation
We look at your credit and documentation and flag what's worth addressing.
Preparation plan
We outline what to fix or organize before you apply.
Get your file ready
Disputes, documentation, whatever your plan calls for, addressed and confirmed.
Apply with confidence
You go to your lender with a clean, organized file and no surprises.
Get your file mortgage-ready
Tell us where you're at. Your representative will follow up with next steps.
- No charge and no obligation for the first conversation
- We're not a lender — we help you prepare, then hand off to yours
The things people ask first
No. We help you get your credit and documentation ready to apply. The actual loan and its terms come from your mortgage lender.
No, rates are set by lenders based on their own underwriting, we're not in a position to quote or promise one.
We'll flag them and can connect you with our credit repair service to get disputes filed before you apply, so your file is as clean as possible.
It depends entirely on what your file needs. Some people just need a document checklist, others need active credit repair first. We'll be clear about the timeline once we've reviewed your situation.
Know exactly where your file stands
A free consultation tells you what to fix before you apply.