Improve Your Credit
We put you on the best path to homeownership by identifying the accounts on your credit that are making it difficult to buy the home you deserve. We then work diligently to have these inaccuracies corrected or removed from your credit reports.
Get Real-Time Updates
Throughout the credit repair process, you will receive real-time updates as your score improves. Our team of experts will track your file and let you know when you can qualify for your home! You also have 24/7 access to a secure client portal.
Plan Your Future
Your homeownership goals are our main priority here at Prosperity Home Buying & Credit Services. We are dedicated to providing you the support and guidance you need during this journey. We also connect you with your own Realtor at no cost!
Home Buying Support
When you're ready to begin the home-buying process, we're ready to help! We specialize in helping clients buy & sell real estate. We also connect every client with a Licensed Realtor to help them with their homeownership goals. Prosperity Home Buying & Credit Services is happy to provide you with support, education, and resources throughout your entire home buying experience.
Customized Services
We provide personalized services to EVERY client. Our credit repair services are customizable to your needs because not one credit situation is the same. At Prosperity Home Buying & Credit Services, we work individually on every clients file in house to ensure we get you on the path to homeownership!
Our Risk-Free Guarantee
When we work on your credit, we expect results - and SO SHOULD YOU! If our team of professionals fails your expectations to remove or correct derogatory items on your report within the first 90 days, you are entitled to a full refund of your monthly payments. We are confident that your expectations will be met throughout every aspect of the credit repair process!
With a shaky credit history, you'll probably avoid taking the steps towards homeownership because you fear you’ll be turned down. Having an excellent credit score doesn’t guarantee approval – because lenders still consider other factors like your income and debt – but it does give you a very good chance of being approved and qualifying for the best interest rates. When you decide to apply for your home with us, you can do it with confidence!
A good credit score gives you leverage to negotiate a lower interest rate on your home. However, if you have a low credit score, mortgage lenders typically won’t budge on loan terms which can make your home buying experience very stressful.
Did you know that you have to submit an approval letter from your lender when your Realtor is putting in your offer to buy a home? Yes, the sellers want to see how strong your financing is before accepting your offer. When your credit score is shaky, you eliminate your ability to negotiate. However, when your credit score is good you look like a much stronger candidate and increase your negotiating power!
It doesn’t matter if you make a great salary or have a stash of money in the bank. If you’ve got bad info on your credit history, especially a history of late or missing payments, that’s a sign you may not be the most reliable to trust in the lenses of a mortgage lender. Generally speaking, the higher your credit score, the more loan programs you'll have access to.
Mortgage lenders want to manage their risk to borrowers. If you have any negative marks on your credit files, lenders are going to see you as a higher risk. In order for them to mitigate this risk, you may be required to put a higher than necessary down payment. The difference between putting 3.5% down and 10% down can add up to thousands of dollars! It makes more sense to invest less in improving your credit than to pay more towards a down payment and even more in interest.
Some red flags for mortgage lenders include collections, high balances, charge offs, and late or missing payments. These can be signs you are irresponsible or untrustworthy. Lenders may also worry that your financial troubles will keep you from making your mortgage payments on time. This can also mean that mortgage underwriters take longer to approve your loan and can even deny you! By improving your credit score and showing your mortgage lender that you take your personal finances seriously, you are much more likely to gain a speedy approval. In this competitive market, you’ll need every advantage you can get!
Your credit affects a lot more than down payment and interest rates. Homeowners insurance is a requirement when you are purchasing a home. Since this is a requirement, making it affordable is key! You can possibly qualify for the best insurance by having the a great credit score!
The Prosperity Promise
When we work on your credit, we expect results - and SO SHOULD YOU! If our team of professionals fail your expectations to remove or correct derogatory items on your report within the first 90 days, You are entitled to a full refund of you monthly payments. We are confident that your expectations will be met throughout every aspect of the credit repair process!
Get In Touch
HOURS OF OPERATION
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Monday............9:00 am - 6:00 pm
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Tuesday............9:00 am - 6:00 pm
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Wednesday.......9:00 am - 6:00 pm
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Thursday..........9:00 am - 6:00 pm
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Friday...............9:00 am - 6:00 pm
Saturday...............10:00 am - 4:00 pm