Detailed Credit Analysis & Step-by-Step Credit Action Plan

Mortgage Approval Credit Action Plan

🚀 Your Path to Homeownership Starts Here!

If you’re struggling to get approved for a mortgage due to low credit scores, inaccurate credit reports, or high debt, we have the solution. Our Detailed Credit Analysis & Step-by-Step Credit Action Plan is designed to boost your mortgage FICO scores (2, 4, 5) and position you for FHA, VA, USDA, and Conventional loan approvals.

Mortgage or auto loan applications
Mortgage or auto loan refinancing
Debt consolidation
Debt settlement with creditors
Building credit
Student loan consolidation or forgiveness

How Our Process Works

🔍 Step 1: Full Mortgage Credit Analysis

✅ FICO 2, 4, & 5 Breakdown – The scores lenders actually use
✅ Identify errors, collections, charge-offs, and high debt utilization
✅ Check mortgage underwriting red flags

📝 Step 2: Step-by-Step Credit Action Plan

✅ Dispute & Remove Inaccurate Negative Items – FCRA & FDCPA compliant
✅ Debt Utilization & Credit Mix Optimization – Lower balances & increase limits
✅ Guidance on Adding New Credit for Mortgage Strength
✅ Strategic Payment Adjustments to Maximize Score Growth

📈 Step 3: Mortgage Readiness & Approval Strategy

✅ Lender-Specific Credit Readiness – FHA, VA, USDA, Conventional
✅ Ongoing Progress Tracking & Score Updates
✅ Pre-Approval Guidance – Work with Mortgage Brokers & Lenders

Why Choose Patriots Credit Services?

🔹 Led by a Team of Experts – Backed by 27 years of industry experience, including a home loan mortgage underwriter, credit specialists, and financial experts.

🔹 Board-Led Organization – Guided by an experienced Board of Directors, ensuring the highest standards of service and compliance.

🔹 Chair of the Certification & Accreditation Committee – Setting industry benchmarks for credit advocacy and mortgage credit expertise.

🔹 Thousands of Homebuyers Approved – Proven track record of helping clients secure mortgage approvals and improve financial standing.

🔹 Specialized in Mortgage FICO Scores (2, 4, 5) – Focused on lender-approved credit models, not just generic credit scores.
🔹 FCRA & FDCPA Compliant – Ethical, legally compliant credit solutions tailored for mortgage readiness.

Who Is This For?

✔ First-Time Homebuyers – Preparing for FHA, VA, USDA, Conventional loans

✔ Current Homeowners – Refinancing for lower interest rates

✔ Denied Mortgage Applicants – Overcome credit-related rejections

✔ Anyone Ready to Buy a Home – Get the credit boost needed for mortgage approval