Coaching, direction and advice

Our unique CreditBuilder Program will tailor a mortgage plan to your circumstances so that one day you will own your home.

Your credit score and the details on your credit report directly impact your everyday financial well-being. It can hinder your ability to qualify for housing (mortgage or rent) and secure the best interest rate on loans. It also can affect utility deposits and may even keep you from passing a background check for a job.

Understanding your credit profile is a necessity in today’s finance-driven economy. Our mortgage coaches will walk you through your credit report results, answer your questions and make suggestions for improvement.

We take action through constant follow-up and review while you go through our CreditBuilder Program. Adjustments are made based on current performance. If you have steady employment, consistent income and a desire to take control of your credit, we can help you fix everything else.

Make no mistake about it, this will take time, determination, discipline and hard work. You will make the difference. You will be responsible for the results. Your efforts can put an end to high interest rates. You’ll no longer struggle to get a car loan, home loan or any other loan because of your credit score.

Good Credit vs Bad Credit
Our unique CreditBuilder Program will create a mortgage plan around your personal circumstances so that one day you will realize homeownership.

Paving the road to good credit with CreditBuilder includes:

  • Review and evaluate your credit (all accounts).
  • Negotiate and settle accounts when feasible.
  • Create a plan to re-establish good credit… FOREVER!
  • Determine a workable timeline (follow-up, reviews, etc.).
  • Establish new credit lines (or manage existing accounts).
  • Create a positive credit card strategy.
  • Establish a realistic saving pattern.

With proper direction and a step-by-step plan of action, CosmoLends has helped countless families, individuals and investors finance homes and investment properties. They can do the same for you.

Take the first step toward owning your own home. Call CosmoLends and get started with the CreditBuilder Program at 216.387.1003.