A challenging credit history doesn't have to be a permanent barrier. Let's build a plan to get you mortgage-ready.
Overview
Your credit score is important — but it's not fixed. Whether you've had missed payments, a consumer proposal, a past bankruptcy, or simply no credit history, there are paths forward.
I work with clients at all stages of their credit journey. If you're not mortgage-ready today, I'll give you a clear, honest roadmap — and be ready to help you apply when the time comes.
Key Benefits
Specific, actionable steps to improve your score and qualify for better rates.
Many clients qualify through B-lenders while rebuilding — with a plan to move to A-lenders later.
I'll support you through the rebuilding process until you're ready.
Common Questions
A-lenders prefer 680+. B-lenders work with scores as low as 550–600. Private lenders focus more on equity than credit.
With consistent effort — on-time payments and reduced balances — many clients see meaningful improvement within 6–12 months.
Yes. After discharge, you typically wait 2 years and rebuild credit before qualifying with A-lenders. Some alternative lenders may work with you sooner.
Book a free, no-obligation consultation and let's find the right mortgage for your situation.