We've got a company we work with closely that helps folks improve their credit prior to buying a home.
As loan officers, we know just enough to be dangerous when it comes to improving credit scores, and some of us even have access to tools that will help simulate how certain actions will impact a credit score. But the truth is, none of us have the time to diligently follow up on your behalf to make sure you're following the program. In most cases we give you a copy of your credit report and some suggestions then send you on your merry way in hopes that you'll come back ready in a few months. And as the saying goes, you can lead a horse to water but you can't make him drink.
These guys are crossfit trainers for your credit. Within 2-4 months they generally turn at least 50% of folks who'd have no hope of getting financed into approvable borrowers. Give them 6-12 months and should be no problem.
If you'd like me to put you in touch let me know.
Sr. Mortgage Loan Originator – NMLS #977416
Luxury Mortgage Corp
29200 Northwestern Highway, Suite 300
Southfield, MI 48034
Mobile: 313-622-7383 | Direct: 248-714-4914 | Fax: 248-415-1522