19-Credit Resources

Every Move, Customized for You

We believe achieving your real estate goals isn’t about perfect credit — it’s about understanding how credit influences the timing and strategy behind reaching them. We’re selective because we build systems for your success — creating partnerships that help you reach your goals now or in the future, with the right strategy, support, and understanding.

Every resource we share is designed to educate, empower, and bring clarity to your path forward. Real estate and finance shouldn’t feel intimidating — they should feel intentional. Our purpose is to guide and connect you with trusted financial and legal professionals who share our values, so every decision you make is informed, confident, and designed around your goals.

It all begins with a conversation — one that’s built around you.

Understanding Credit Scores for Home Loans

Your credit score affects the type of loan, rate, and terms you qualify for — but it’s not the whole story. Different programs have different thresholds, and with strategy, we can position you to succeed.

FHA Loans: 580+ with 3.5% down. Some lenders allow down to 500 with 10% down.
VA Loans: No set minimum by the VA, many lenders approve 580+.
Conventional Loans: Typically 620+, but stronger scores can reduce costs.
ITIN Loans: Most lenders prefer 640+; some require 700+ for best terms.
Manufactured Home Loans: Flexible lenders may work with 580+.
Down Payment Assistance: Many programs need 640+, but we have access to lenders who can help as low as 580 with tailored programs.

The Truth About Down Payment

Most buyers think they need 20% down — they don’t. Many qualify with as little as 1–3.5% down, and others can buy with zero down through special programs. Every situation is unique, and we’ll walk you through each option to find the best fit for your goals.

Protecting Your Profile

Protecting your credit is as important as building it. Be intentional about reviewing your reports and guarding against misinformation or scams.

Recognize the Red Flags

Beware of companies promising to “erase” debt or offer a “credit sweep” for a fee. These tactics are illegal and often involve filing false claims. True credit improvement happens through consistency, honesty, and expert guidance.

Official Credit Resources

Federal Trade Commission (FTC)

Your official government source for credit, debt, and scam prevention.

AnnualCreditReport.com

Access your free reports from each bureau every 12 months — the only authorized site under federal law.

Consumer Financial Protection Bureau (CFPB)

Free templates and guides to dispute errors and understand your rights.

Building and Rebuilding Credit

Payment History: Pay all accounts on time. Consistency outweighs perfection.
Utilization: Keep balances below 30% of your limit — lower is better.
Positive Mix: Use both credit cards and installment loans responsibly.
Authorized User: Being added to a trusted account can help accelerate growth.
Rent Reporting: If you pay rent, ensure it’s verifiable — this helps build history.

Tools to Build or Rebuild Credit

Discover it® Secured

Cash-back rewards with a path to an unsecured card.

Capital One Platinum Secured

Reports to all three bureaus and low deposit options.

OpenSky® Secured Visa®

No credit check required for approval — ideal for rebuilding.

Life After Bankruptcy

Life happens. Now it’s time to start the next chapter of your story. Bankruptcy doesn’t end your homeownership goals — it simply means taking intentional steps toward rebuilding. With the right strategy and guidance, homeownership can be part of your future again.

Ready to Take the Next Step?

Every journey is different, but it all begins with clarity. Let’s create your personalized path forward.

Get Expert Guidance

Credit, Reimagined