Home Buying Starts with Strong Credit.
We treat your circumstances with care, not judgment.
In-House Credit Counseling to Support Your Home Purchase
At My Mortgage Medics, we offer personalized credit counseling services to guide you through your financial challenges. Whether you’re struggling with credit card debt, personal loans, or other financial obligations, our expert team is here to help.
Take Control of Your Credit Score Starting Today
At My Mortgage Medics, we offer in-house credit counseling tailored to build a strong credit score. Our licensed advisors help you:
- Understand your credit score and how it affects borrowing
- Improve mortgage eligibility and reduce interest costs
- Regain peace of mind with confidential, judgment-free support
Your path to a strong credit score and stronger Financial Future
Book A Free Consultation.
You should get the best mortgage possible! Request a free consultation and we’ll handle the rest.
Benefits of Working with Us
For First-Time Buyers:
- Compare rates from top lenders to secure competitive deals.
- Use advanced tools to identify the lowest rates quickly.
- Access tailored advice from experienced local brokers
- Explore special programs designed for first-time buyers
For All Homebuyers:
- Access competitive rates tailored to your unique financial goals.
- Refinance with ease to reduce monthly payments or shorten your term.
- Leverage home equity to fund renovations, education, or investments.
- Enjoy a stress-free experience with our step-by-step guidance.
Over 30+ Top-Rated Lending Partners
More Lenders, More Options, Better Rates
We have a pool of home loan options that allow us to find you the most ideal solutions. Our team of experts’ research and negotiate on your behalf to secure the best outcomes.
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the next step?
Frequently asked questions
Credit counseling provides expert guidance on managing debt, improving credit scores, and creating budgets to qualify for better mortgage terms. Our counselors analyze your credit report, identify improvement opportunities, create debt repayment strategies, and help you understand how credit impacts mortgage approval and rates. This service can save you thousands in interest over your mortgage term.
Credit improvement timelines vary based on your starting point and specific issues. Simple fixes like paying down credit card balances can improve scores within 30-60 days. Addressing collections or late payments may take 3-6 months. Major issues like bankruptcies require 2+ years. We create personalized timelines and strategies based on your credit report analysis.
Credit improvement timelines vary based on your starting point and specific issues. Simple fixes like paying down credit card balances can improve scores within 30-60 days. Addressing collections or late payments may take 3-6 months. Major issues like bankruptcies require 2+ years. We create personalized timelines and strategies based on your credit report analysis.
No, credit counseling itself doesn't impact your credit score. We review your credit report with your permission, but this doesn't trigger hard inquiries. The strategies we recommend - like paying down debt and making timely payments - actually improve your score. We avoid debt settlement or other approaches that could negatively impact credit.
Improving your credit score can save tens of thousands over your mortgage term. For example, improving from a 650 to 750 credit score might reduce your rate by 0.5-1.0%, saving $150-300 monthly on a $400,000 mortgage, or $27,000-54,000 over 25 years. We calculate potential savings based on your specific situation.
Our credit counseling includes comprehensive credit report analysis, personalized improvement strategy, debt consolidation options, budget planning, and ongoing support until you achieve your mortgage goals. We also coordinate with our mortgage specialists to ensure your credit improvements align with lending requirements. This service is often included complimentary with our mortgage services, as better credit means better mortgage terms for you.
