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.
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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.


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.


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

Still Wondering?


Credit repair is a financial literacy service that identifies & evaluates with the intentions to remove derogatory inaccurate & unverifiable accounts from consumers’ credit reports. Throughout the credit repair process a variety of dispute strategies and methods are implemented to remove the derogatory accounts from consumers’ credit profiles.

The credit repairing timeframe depends on the severity of your credit profile PRIOR to starting the credit repair process. The type, amount of negative accounts and who the creditors are that owns the negative accounts on your credit profiles has a significant impact on how long it will take to repair your credit profiles. 

ESTIMATED CREDIT REPAIR TIMEFRAMES: (May vary depending on creditor)

  • MILD: (3-6 Months) Medical Collections, Non-Medical Collections, Inquiries
  • HARD: (6-9 Months) Charge Offs, Medical Collections, Non-Medical Collections, Inquiries
  • CHALLENGED (9-12 Months) Student loans, Bankruptcy, Charge-Offs, Medical Collections, Non-Medical Collections, Inquiries
  • VERY DIFFICULT (12-18 Months) Repossession, Bankruptcy, Charge-Offs, Medical Collections, Non-Medical Collections, Inquiries
  • SEVERE (18-24 Months) Repossession, Student loans, Bankruptcy, Charge-Offs, Medical Collections, Non-Medical Collections, Late Payments, Inquiries

Clients must create a credit monitoring account to pull updated credit scores and reports (click here to pull your updated scores and reports).

  • Once updated scores and reports are received the clients credit reports are analyzed and calculated. During the analysis and evaluation process the client is given a detailed evaluation and an estimated credit repairing timeframe.
  • Clients’ credit profiles will be calculated to develop the quickest strategies and methods to enhance the strength of the clients’ credit profiles and scores.
  • Dispute against negative accounts to be deleted by the credit bureaus and creditors.
  • The negative accounts that are not deleted in each dispute round will be reprocessed until they are deleted from the clients’ credit reports.
  • Credit profile building will be recommended and implemented to improve the strength of the clients’ credit profiles and scores throughout the credit repairing process.
  • Once clients’ credit reports and scores have been rectified and repaired, clients are encouraged to leverage their new credit profiles and scores every 18-24 months.
  • Seasoned tradelines are considered for an extra credit score increase.

FICO and “The score lenders use” are trademarks or registered trademarks of Fair Isaac Corporation in the United States and other countries. CMS and Credit Management System are registered trademarks of Dekamco Development LLC in the United States

© 2023 Clean Credit Crew. All rights reserved. 


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What you need to know about our testimonials

Testimonials represent the results of the particular individual and you should not expect the same result because your case is different than everyone else’s. promises only to communicate with creditors on your behalf and in your name, verify report changes with bureaus, and provide you timely information about changes in your reports. Any credit score improvement seen after using our services is the result of many other additional factors, including: keeping credit balances low, paying bills on time, reducing or eliminating unnecessary inquiries, and developing appropriate types of credit, and sound financial planning.