Free Download · The Mortgage-Ready Method™

The Mortgage-Ready Credit Checklist

The exact pre-application sequence I use with every client — the middle-score rule, the balance-staging steps, the traps that drop scores right before closing, and the 90-day countdown. Free, two pages, no fluff.

What's inside

  1. Know your real numbers — why lenders score you on FICO 2/4/5 and qualify you on the middle score, and how to find yours
  2. Clean the file — what to dispute, what to leave alone, and why paying collections usually doesn't help a mortgage score
  3. Stage your balances — the card-by-card sequence, including the one balance you should keep
  4. Protect the file — the moves that quietly sink approvals in the final 90 days
  5. The 90-day countdown — what to do at 90, 60, and 30 days out, and when a rapid rescore saves the deal
Who this is for: anyone planning to buy or refinance in the next 3–12 months — and loan officers who want a resource to hand borrowers who aren't quite there yet.

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The checklist tells you what to do. The free AI audit reads your actual report and tells you what to do first — every negative item found, disputes ranked by impact, in about a minute.

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