Services

WHAT I OFFER

Pricing for Lending Solutions.

Get the best rates and terms by letting me help you put yourself in a position to succeed.

I would rather teach you how to do it. That is what The Birds and the Bees of Credit is designed to do, for $100. But if you lack time or confidence, I will step in. My fees range from $350 to $600 depending on how much debt I have to settle. You can add a spouse or partner for $150. Those are flat fees. I will never charge you again unless you create new problems. Go to the contact page and reach out for a free consultation.

I do charge extra to help Real Estate Investors and Small Businesses get local to them, loans and lines of credit they need to succeed. We can go over all that with your free consultation.

Vehicle

Trade in a high-mileage/ high-interest vehicle with negative equity for a new car with a warranty and lower monthly payments.

Personal

Obtain a personal loan from a credit union without having collateral.

DID YOU KNOW: Credit unions may lend you up to 2.5 times your gross monthly wage as long as you meet their lending criteria and your monthly payment stays at or below 40% debt to income. Understanding and meeting each lender’s specific requirements is crucial. A timely personal loan can prevent a small issue from growing into a larger problem.

Home

Purchase a home with 100% financing and no PMI (Private Mortgage Insurance).

Obtain a Home Equity Line of Credit with up to a 95% CLTV, aka combined loan to value.

Business

Obtain a small business line of credit for operating expenses.

Purchase investment property with 100% financing.

CREDIT & LENDING ISSUES

Understanding the specific requirements to achieve the best scores

Collections

Settle collections, judgments, and charged-off accounts with the goal of credit file deletion from the creditor.

Personalized Timeline

I will review your credit reports and together we’ll structure a timeline to get your credit score to 800.

FINANCIAL EDUCATION

Raising the bar for credit education: “If you knew better, you would do better.”

The Birds & the Bees of Credit

An online learning platform utilizing videos and an interactive blog to answer the questions you have and the ones you didn’t know you needed to ask. Can you be at 800 mortgage score in less than a year? 1000% yes. Credit scoring is computer generated. It is what it is and it wants what it wants and thats that. Find out what the rules are and follow them. It’s not rocket science. It’s a software program that is not subjective. It’s nobody’s opinion. Either you are or are not doing what you need to push your scores up each month.

I have dreamed of launching a credit education platform for years. Appalachian Web Agency stepped in and made that happen. Lord knows I needed the help. I am a specifically talented individual, and tech is not one of those talents.

Now my talent is going to fund my passion. 100% of the proceeds from The Birds and the Bees of Credit Blog/Vlog/Credit Q&A will help me help traumatized children.