"All in all, "Ms. X" had a bankruptcy, a foreclosure, and high debt-to-income ratios, which were the main reasons other banks denied her a loan. With some hard work and paying close attention to detail, we finally got the favorable response from the bank, and they had fully approved her USDA Home Loan."

"When I first pulled his credit it was slightly lower than we could work with at a 620, due to his Chapter 7 Bankruptcy only being discharged 24 months prior. We needed his score to be 640. I thoroughly reviewed his credit and found a few areas we could focus on to get his score up quickly."

"When I first spoke with my client, he had a 580 credit score. Over the next few weeks we spent countless hours together working on getting his scores up. Soon enough, we had his middle credit score over 620 – which is a very good number to be at when applying for a USDA Home Loan."