Buying a House 🏡🔑
See your estimated buying power using your income, debts, and state—with room for a co-signer.
Open buying power calculator →TRUE GUARD · MORTGAGE · CREDIT · FUNDING
Your Financial Goals.
Our Solutions.
Buy a home, work on your credit, or explore personal and business funding. Choose your goal and let’s build a plan together.
Personal guidance. One conversation away.
Start with your homebuying estimate or talk with us about your next step.
NMLS: 2628207
Repair Credit 💳
Get help reviewing collections, charge-offs, and late payments. We work to dispute inaccurate or unverifiable items; removal and score increases are not guaranteed.
Personal or Business Funding 💵
Explore credit cards, lines of credit, and loans for your personal or business goals. Availability, amounts, and terms depend on lender review.
A home financing conversation built around you
Explore your mortgage options.
These are our advertised starting guidelines, not an approval or a complete list of lender requirements. Credit, income, property, program limits, and documents must be verified.
01
FHA
A starting point for eligible buyers with a credit score of 580+ and 3.5% down.
02
Conventional
Credit score 680+: explore 3% down. Credit score 620+: explore 5% down. Eligibility for low-down-payment options depends on the program and lender.
03
Home Equity Loan
Borrow against the equity you have built in your home, often as a lump sum with a separate repayment schedule. Your home secures the loan, so compare the costs and repayment obligations carefully.
04
DSCR · Investment loan
For investment-property discussions: credit score 680+ and 20% down. A DSCR loan looks at the property’s rental income relative to its debt payment. Rental coverage and other lender requirements still apply.
Let’s talk about closing costs.
Our team can help negotiate with the seller toward contributions to your closing costs. Seller agreement, the purchase contract, and loan-program limits determine what is possible; contributions are not guaranteed.
Estimate your buying power →From a goal to your next step.
01
Choose your goal
Buying, credit repair, or funding—start with what matters to you.
02
Understand your numbers
Use the homebuying estimate or call to review your situation.
03
Speak with us
Call 954-445-1163 or schedule a conversation for a personalized review.
Before your next move
Is the calculator an official approval?
No. It is an educational estimate using self-reported information and fixed state planning costs. Contact us for an official lender review. The calculator does not pull your credit or issue lending decisions.
Can I include a co-signer?
Yes. Complete at least one borrower’s contact information first, then add the co-signer’s income and monthly debts separately in the same calculator. The estimate combines both; lender rules determine whose income can be used.
Can you remove every negative credit item?
No result is guaranteed. We review collections, charge-offs, and late payments and can help dispute inaccurate or unverifiable reporting. Accurate, current negative information cannot simply be erased.
Let’s build your next chapter.
Bring your questions about mortgages, credit, or funding. Get a clear next step.
NMLS: 2628207 · Estimates are not commitments to lend. Approval and terms are subject to lender review.