Credit Roadmap Session™

FREE 3-BUREAU CREDIT REVIEW

A guided, low-pressure first step toward getting mortgage-ready with a free 3-bureau mortgage credit review.

If you’re unsure whether your credit is strong enough to start the mortgage process, you’re not alone. I’ll help you understand exactly where you stand before you make any big decisions.

Free tri-merge mortgage credit report”
Guided, simplified application (on a call, together)
Plain-English review of what’s helping and hurting your score
Prioritized action plan to get mortgage-ready

Personal, one-on-one guidance, not a faceless online app.

Get Started with Your Credit Roadmap Session™

Tell me a little about yourself, and I’ll reach out personally to schedule a quick call where we’ll complete the short application together.

First Name

Last Name

Phone *

Email *

What made you interested in a Credit Roadmap Session?

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What You’ll Get in Your Session

Our initial session is simply an information-gathering call. I’ll walk you through the short application, answer your questions, and prepare everything needed for your full credit review.

Information-Gathering Session

Before we pull any credit, we’ll have a short conversation to understand your goals and complete the essential details together. This is a simple, guided call and your chance to ask questions.

Guided mini-application
Only the required fields, nothing overwhelming
A warm, low-pressure conversation

Free 3-Bureau Mortgage Credit Report

After our initial call, I’ll pull your full tri-merge mortgage credit report, completely free and fully covered by a partner lender. This gives us an accurate foundation for your roadmap.

True mortgage scores (all 3 bureaus)
Full credit profile, not a consumer estimate
Report cost is 100% covered

Personalized Credit Roadmap

Once your credit report is ready, we’ll review it together and build a clear, prioritized plan to move you toward mortgage readiness as efficiently as possible.

See what’s helping and hurting your score
Clear steps for the next 30–90 days
A realistic plan tailored to your timeline

Who This Session Is For

This is the ideal first step if you want guidance, clarity, and a clear understanding of your options—before you dive into the full mortgage process.

Buyers who think their credit needs work
People not ready for a traditional pre-qualification
Those who’ve been told “no” or “not yet” elsewhere
Buyers who want a person, not a portal

What You Can Expect

A real conversation, not a generic online form
Clear guidance tailored to your situation
A safe place to ask questions without judgment

How the Credit Roadmap Session™ Works

This process is simple, personal, and built for buyers who want clarity before taking bigger steps. Here’s exactly what will happen from start to finish.

We Connect for a Quick Call

Before anything happens, we’ll talk briefly so I can learn about your goals and answer your initial questions. This call sets the foundation for everything that follows.

Friendly, low-pressure conversation
Understand your homebuying goals
No obligation to move forward

We Complete the Short Application Together

On this same call (or a scheduled follow-up), we’ll walk through a streamlined loan application — just the required fields — so I can pull your 3-bureau mortgage credit report.

Only essential information required
Completed together, not alone
Simple and stress-free

I Pull Your Free 3-Bureau Mortgage Credit Report

Once the application is complete and you’ve authorized the pull, I’ll request your full tri-merge mortgage credit report. The cost is fully covered by one of my partner lenders.

No fee to you
All three mortgage scores
The real data lenders use

We Review Your Report Together

After your report is ready, we’ll schedule a dedicated follow-up session. I’ll walk you through everything in plain English so you know exactly what’s helping, hurting, and what to ignore.

Clear, judgment-free explanation
Simple breakdown of what matters most
Space to ask every question

You Receive Your Personalized Credit Roadmap

You’ll leave with a practical plan tailored to your goals and timeline — whether that means buying soon or taking time to strengthen your profile first.

Action steps for the next 30–90 days
Prioritized fixes based on impact
A confident path toward mortgage readiness

Will this hurt my credit score?

Yes, this is a true mortgage hard inquiry — but it’s a single inquiry and typically has a very small impact. Most buyers find the clarity and personalized plan far more valuable than the short-term dip.

Why is the credit report free?

Your initial tri-merge mortgage credit report is covered by one of my partner lenders. There’s no fee and no obligation to use that lender for your final loan, it simply allows us to get the accurate data we need to help you move forward.

Do I have to fill out an online application?

No. We complete the short application together, over the phone. It’s simple, guided, and includes only the essential fields needed to pull your credit report.

Do I have to apply for a mortgage after this?

Not at all. This session is about giving you clarity and a realistic plan — not pushing you into a full application. You decide if and when you want to take the next step.

What if my credit isn’t ready to buy a home?

That’s exactly why this session exists. If your credit needs work, I’ll show you what matters most, what to ignore, and the specific steps to strengthen your profile over the next 30–90 days.

What if we end up choosing a different lender later?

No problem. If another lender is a better fit for your final loan, they may require their own credit report — but your initial diagnostic report is completely free.

How long does the whole process take?

The initial information-gathering call usually takes 25–30 minutes. The follow-up credit review session typically lasts 20–30 minutes, depending on your questions.