Details.
A structured three-month program for buyers who are not ready today. Month 1 includes a full credit report review, error disputes, and fast-impact improvements. Month 2 includes a targeted debt paydown strategy, CalHFA eligibility check, and lender match. Month 3 includes credit pull confirmation, pre-approval issuance, and starting the home search. The program is for people with credit scores below 620, collections, late payments, thin credit files, or a prior lender denial.