Straight answers

No. We prepare your file and match you with lenders. Lenders make every credit decision and fund every loan.

No one honestly can. We improve your readiness and your odds, and we tell you plainly if you are not ready yet.

The first consultation is free. After that, fees are disclosed in writing and signed before any work or fee begins. Fees depend on the service and the file.

Only with your signed written authorization, for the stated purpose, and after you sign an engagement. We use soft pulls for pre-screening where possible, which do not affect your score. A lender may run its own check later.

We collect sensitive documents only through a protected portal, only after engagement, and only what lenders need. Please never send them by email or text. See our Privacy Policy.

Our focus is the New York City metro area. Other states have their own rules, so we expand only after confirming what applies.

Yes. This whole site, our documents and our consultations are available in English and Spanish.

Then we build a roadmap: what to fix, in what order and by when. Many owners return ready a few months later.

Any payment from a lender is disclosed to you in writing, and it never changes which lender we recommend.