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Frequently Asked Questions

Credit repair focuses on improving your credit score and addressing the negative factors on your credit report that may prevent you from qualifying for a mortgage. At Credit Miracles Credit Repair, we specialize in helping clients meet the requirements for home loans by removing inaccuracies, resolving outstanding debts, and guiding them on best practices to strengthen their credit profiles.
Most lenders require a credit score of at least 620 for conventional loans and 580 for FHA loans. However, a higher score can qualify you for better loan terms, such as lower interest rates. We aim to help you achieve the optimal score for your financial goals, making homeownership more affordable and accessible.
Many clients start seeing improvements within 60 days, but the full process typically takes 12 months, depending on their credit situation. Our Homeownership Package includes months of credit repair followed by months of home-buying preparation, ensuring they’re ready to secure a mortgage when the time is right.
Absolutely! A mortgage denial doesn’t mean homeownership is out of reach. Denials often result from specific issues like late payments, high debt-to-income ratios, or collection accounts. We’ll review your denial reasons, create a customized plan to address them, and guide you toward a successful mortgage approval.
Our Homeownership Package includes:
  • Budgeting and saving strategies for your down payment.
  • Guidance on improving your debt-to-income ratio.
  • Partnerships with trusted loan consultants and realtors to help you navigate the home-buying process.
  • Education on how to maintain a strong credit profile post purchase.
While no one can guarantee mortgage approval, we provide the tools, resources, and expertise to improve your chances significantly. By addressing credit issues, educating you on lender requirements, and connecting you with industry professionals, we position you for success in the home-buying process.
Yes! We’ve built strong partnerships with loan consultants and realtors who understand the unique needs of our clients. Once your credit is ready, we’ll connect you with trusted professionals to guide you through the next steps in purchasing your home.