Become A Homeowner

Let us help you build usable, lender-ready credit. It’s our specialty. If you are planning to purchase a home or refinance your current mortgage we can help.

Get Started

Preparing for Your Mortgage Application

Our credit repair process goes well beyond credit bureau disputes. We will address every aspect of your credit that can affect your ability to qualify for mortgage financing.

Home Ownership 10 Step Checklist

Complete these steps prior to being pre-approved.

620 - 640 Credit Score*

Clean Credit Crew goal is at least 680 or higher credit score for FHA. With a 700 credit score , you may qualify for a conventional loan which can lower your down payment and interest rate towards the mortgage loan.

Tax Statements

Last 2 years of filed taxes and W-2's.

Down Payment

Bank account reflecting the down payment in your account balance for 3 - 6 month time frame (down payments can vary). The better your credit scores and profile the lower your down payment will be. 3% - 5% is the standard down payment percentage.

Employment

Employed for at least 2 years with current employer (may vary depending on lender).

Providing Verifiable Income

The verifiable income that you provide must support the home you want to purchase. The annual verifiable income that is provided must be 1/3 of the purchase price of the home that you want to buy.

DTI

Debt-to-income ratio (DTI) should not be higher than 25%. high credit scores and strong credit profiles may allow you to have a higher DTI and still qualify for the mortgage loan. Pay down all your credit cards to a $0 balance to help decrease your DTI

Liens or Judgements

Check your state court records for liens or judgements against you. Depending on the title company you are using will determine what court ordered debts need to be satisfied to proceed with the mortgage financing process.

Pull Credit

Your credit will be ran twice when applying for a mortgage loan. Your credit will be ran in the beginning when you are pre-approved and at closing. During this time, please do not apply for anything as doing so may lower your credit score.

Earnest Money

Have funds set aside for earnest money. Earnest money is money given to the seller proving that you are indeed serious about purchasing the home. Earnest money varies and is determined by the home seller.

Welcome Home!

Following the steps below, you will be set to start the home buying process. Clean Credit Crew is here to help you through the home buying process today!

See your credit score now

* Credit Score depends on lender

The Role of Timing

When it comes to credit repair timing is very important, and your timeline will affect the specific recommendations that we offer. Certain credit rebuilding strategies, as important as they are, may not be suitable for you if your time-frame is too short. We will make sure to provide time-appropriate guidance that will work for you.

Home Owner Questionnaire

What our members are saying

Clean Credit Crew changed my life! Not only has this company increased my credit scores tremendously, I am now knowledgeable about credit factors that play a huge part in my credit profile. Clean Credit Crew is a extremely professional, attentive, patient, and very informative company. I have went through many credit repair services but Clean Credit Crew has exceeded my expectations by going above and beyond while still offering financial literacy & mentoring. I highly recommend!

If the professional attitude wasn't enough to make me believe, the fact my score turned around before my eyes. The Clean Credit Crew is everything they say they are and more!

Best Decision I’ve Ever Made! The Process Was Simple and Before I couldn’t Get Approved For A Slice Of Bread After I Literally Was Able to purchase My Dream Car Brand New with No Money Down and Got Approved for Many Other desired things I used to only dream of. Thank You Clean Credit Crew !

I was in search of credit repair and advisement. Without regret, I was able to seek upfront expertise and transparency regarding my credit profile through Clean Credit Crew. Clean Credit Crew indeed provided me with a pleasant experience that not only put me in a renewed state with my credit profile but got me a few credit cards with decent credit limits that I was ready for. I would highly recommend Clean Credit Crew to anyone!

Clean Credit Crew are extremely professional and knowledgeable on all my credit needs and concerns. With their help, I was able to achieve my credit goals. I now have great credit knowledge, a great credit score and a great team to help take my business and personal credit to the next level.

In a matter of months my credit score had risen tremendously. I have lived in my new house for 2 years now with the help of Clean Credit Crew. If you are looking to establish, learn or fix your credit, I strongly recommend Clean Credit Crew.

When I say I love Clean Credit Crew, they changed my life forever. I started off in the low 500's now I'm in 700 club. I get approve for everything I applied for. Not only did they clean my credit, they also educate you on credit and finances. Let me not forget, they are always there to help and answer any questions!!!

Still Wondering?

How does credit repair work?

A credit repair company will help identify errors on your credit report, provide score optimization guidance, and manage the dispute process. But there is more than meets the eye.

How long does credit repair take?

Credit repair is a step-by-step process. The credit bureaus are allowed a month to complete disputes, and many of the credit score tips we offer take time to work, but there is good news too. Also, it depends on the type, amount, and the creditors that own the debts on your credit report.

What is the credit repair sweep process?

Provide the client with a complete credit analysis via email ( reviewing their credit reports to help identify potential inaccurate, outdated or unverifiable information).
Develop a personalized strategy to address and resolve client’s past credit issues to assist them with maintaining a positive credit profile.
Negative items deleted from the credit bureau reports (Experian, Transunion, Equifax) within 90 days. Items that aren’t deleted will continue to be disputed against for 12 months.
There is a monthly filing fee if the client(s) are enrolled in a monthly payment plan.
Client will be advised of credit profile building strategies.
Tradelines are added at an additional fee.