help@f2wcreditbuilderscom
+1 321-483-8285
Orlando, FL 32818
Our Advanced-Pay credit repair and improvement plans have helped people just like you qualify and save money on loans for cars, houses, consumer goods, businesses, and other financial programs. Learn more about our credit repair services below.
At F2W Credit Builders, we understand that securing a mortgage or refinancing your home can be a major step toward financial freedom — but your credit profile plays a critical role in your approval and the rates you receive.
✅ Credit Requirements to Qualify for a Mortgage
Lenders evaluate your credit history to determine your eligibility and the terms of your loan. Here’s what most lenders look for when reviewing mortgage applications:
1. Minimum Credit Score Guidelines
FHA Loans: 580+ with 3.5% down; 500–579 may qualify with 10% down
Conventional Loans: 620+ (better terms with 700+)
VA Loans: No official minimum, but 580–620 is commonly required
USDA Loans: 640+ preferred
Jumbo Loans: 700+ recommended
2. Clean Credit Report
Lenders look for:
No recent late payments (especially on housing or installment loans)
No active collections, charge-offs, or judgments
No open bankruptcies or tax liens
A strong history of on-time payments over the last 12–24 months
3. Credit History Depth
At least 3 open tradelines with positive payment history
2+ years of credit history for best approval chances
4. Credit Utilization
Keep balances below 30% of your credit limits
Under 10% is ideal for top-tier scores
🔄 Refinance Credit Requirements
When refinancing, lenders want to ensure you’re a low-risk borrower:
Conventional Refinance: 620+
Cash-Out Refinance: 640+
FHA Streamline Refinance: No credit check (if current FHA mortgage)
VA IRRRL: Minimal credit review (for existing VA loan holders)
Even if you were approved for a mortgage in the past, credit issues since then can prevent you from refinancing.
🛠 How F2W Credit Builders Can Help
Whether you’re preparing for your first home purchase or trying to refinance at a lower rate, our expert credit repair team helps you:
Remove inaccurate or negative items
Add positive tradelines
Improve payment history
Lower credit utilization
Prepare a credit-ready profile that meets lender guidelines
💡 Ready to Qualify for a Mortgage or Refinance?
Start with a free credit analysis and we’ll show you exactly what’s holding you back — and what to fix to get mortgage-ready fast.
📲 Schedule a Free Consultation Today
✅ Build Credit. ✅ Get Approved. ✅ Own Your Future.
✅ 1. Proof of Income
Lenders want to ensure you have consistent income to repay the loan. You'll need to provide:
Recent pay stubs (last 30 days)
W-2 forms (last 2 years)
If self-employed: tax returns (last 2 years) + profit & loss statement
✅ 2. Tax Returns
Your federal tax returns (1040s) for the past 2 years give lenders a complete picture of your financial health and income trends—especially important for self-employed applicants.
✅ 3. Bank Statements
You must show you have enough funds for the down payment, closing costs, and reserves. Lenders typically ask for:
Checking & savings account statements (last 2–3 months)
Any large deposits should be documented and explained.
✅ 4. Credit Report & Credit History
While lenders will pull your credit report themselves, be prepared to explain:
Late payments, collections, or public records
Authorized user accounts or disputed items
A credit score of 620+ is typically the minimum for conventional loans; higher for better rates.
✅ 5. Identification
To verify your identity and prevent fraud, lenders require:
Government-issued photo ID (Driver's license or Passport)
Social Security number or ITIN
✅ 6. Employment Verification
Lenders need to verify your employment through:
Employment letter or written verification from employer
They may also contact your employer directly for confirmation
📌 BONUS: Additional Docs That Might Be Needed
Depending on your situation, you may also be asked for:
Divorce decree (to verify alimony/child support)
Rental history or landlord references
Gift letters (if receiving help with the down payment)
Debt Validation & Verification
Debt Validation & Verification is a critical first step in taking control of your financial health and protecting your credit profile. If you've received a collection notice or call from a debt collector, you have the legal right to request proof that the debt is accurate, valid, and actually belongs to you.
Inquiry Removal
Inquiry removal refers to the process of eliminating unauthorized or excessive hard inquiries from a credit report. Hard inquiries occur when a lender checks your credit as part of a decision-making process for new credit applications (such as loans, credit cards, or financing). While a single inquiry has a minimal impact, multiple inquiries in a short period can lower your credit score and raise red flags for potential lenders.
Bankruptcy & Tax Lien Removal
Bankruptcy and tax liens are two of the most damaging items that can appear on your credit report. They significantly lower your credit score and make it difficult to qualify for loans, credit cards, or favorable interest rates. However, in many cases, these items can be challenged and potentially removed from your credit report using consumer protection laws.
Credit Report Analysis
Credit Report Analysis is a detailed review of a person’s credit report to assess their overall credit health and identify items that may be helping or hurting their credit score. This process is essential for anyone looking to rebuild their credit, qualify for financing, or gain a better understanding of their financial profile.t.
Identity Theft &
Credit Monitoring Services
Identity theft and credit fraud can cause serious financial damage, especially when you're working to rebuild or improve your credit profile. Our Identity Theft & Credit Monitoring Services are designed to detect suspicious activity early, protect your personal information, and help you take quick action to prevent further damage.
Collection,Charge off, Late Payment Removal
Collection ,Charge off and late payment removal is the process of disputing or negotiating with the collection agency or credit bureaus to have the negative accounts removed
from your credit report. Removing these items can help improve your credit score and overall creditworthiness.
Once you have completed our clean sweep program you can start the building process by utilizing the credit building solutions that we offer !!!
Authorized User Tradelines
An Authorized User (AU) tradeline
is when you're added to someone else’s credit card account. You get the benefit of their good credit history (payment history, age of account, and utilization) reported on your credit report — without being responsible for the debt.
How it helps credit rebuilding:
Boosts average age of accounts
Adds positive payment history
Can lower utilization ratio
. Secured Credit Cards
A secured credit card is designed to help people build or rebuild credit. It requires a cash security deposit, which usually acts as your credit limit. For example, if you deposit $500, your credit limit is often $500. You use the card like a regular credit card, making purchases and payments. Responsible use and on-time payments are reported to credit bureaus, helping improve your credit score over time. After demonstrating good behavior, some issuers may offer you an unsecured card and return your deposit.
Credit Builder Accounts
You open a credit builder loan where you make monthly payments into a locked savings account. The payments are reported to the major credit bureaus. Once you finish the loan term, you get access to the savings minus interest and fees. This builds your credit by showing consistent payment history.
.
Primary Tradelines
Primary tradelines are credit accounts where your name is the primary account holder (not an authorized user). These tradelines are reported directly to credit bureaus and have a direct impact on your credit history and score. Adding positive primary tradelines can help rebuild credit by establishing a record of on-time payments, low credit utilization, and overall responsible credit management.
Rent Reporting Services
These type of accounts verify your rent payments directly with your landlord. Once verified, they report the history and ongoing rent payments to the all 3 credit beurause They can back-report up to 2 years of rental history.
Utility & Subscription Reporting
These accounts help rebuild credit by reporting your regular payments (like utility bills, phone bills, or streaming subscriptions) to the credit bureaus:
Our credit repair services are very simple and straightforward. We don’t mess with pay-per-removal or charge per specific dispute. We have a one time charge that must be paid in advance for the credit repair services. Any additional credit repair & rebuilding products or services offered outside of the plan will be an additional
cost to the client. All plans are for disputing across all 3 major bureaus and come with a client agreement policy that must be followed by the client in order to ensure poditive results !!
90-Day Term
Full credit report & analysis
Dispute of ALL NEGATIVE Accounts on your report using factual disputing methods
Deletion of negative items and inquiries within 90 days
1-on-1 strategy session with
credit education coaching sessions once a month
Ideal for Low scores with multiple negative Accounts
Onboarding & 3 Rounds of Disputing
$499 One-Time
90 Day term
FAST TRACK
60-Day Term
Full credit report & analysis
Identity theft protection and monitering
Dispute of ALL NEGATIVE Accounts on your report using factual disputing methods & Consumer Law
Deletion of negative items and inquiries within 60 days
1-on-1 strategy session with
credit education coaching sessions 2x a month
Ideal for Low scores with multiple negative Accounts that need to get approved in 60 days
Onboarding & 2 Rounds of Disputing
$999 One-Time
60 Days
30-Day Term
Full credit report & analysis
Dispute of ALL NEGATIVE Accounts on your report using Metro 2 compliance , Consumer Law & Factual Dispute
Deletion of negative items and inquiries within 30 days
1-on-1 strategy session with
credit education coaching
Ideal for Low scores with multiple negative Accounts that need to get approved in 30 days
Onboarding & 1 Round of Disputing
$1999
30 Days
90 DAYS
Full credit report & analysis
Dispute of ALL NEGATIVE Accounts on your report using 3 dispute methods Metro 2 compliance , Consumer Law & Factual Dispute
Deletion of negative items and inquiries within 90 days
Full credit report & analysis
Dispute of ALL NEGATIVE Accounts on your report using Metro 2 compliance , Consumer Law & Factual Dispute
Deletion of negative items and inquiries within 90 days
1 High limit aged Tradeline added (credit building account)
$2500 One-Time
90 Day term
60 DAYS
Full credit report & analysis
Dispute of ALL NEGATIVE Accounts on your report using 3 dispute methods Metro 2 compliance , Consumer Law & Factual Dispute
Deletion of negative items and inquiries within 60 days
Full credit report & analysis
Dispute of ALL NEGATIVE Accounts on your report using Metro 2 compliance , Consumer Law & Factual Dispute
Deletion of negative items and inquiries within 60 days
2 High limit aged Tradeline added (credit building account)
1 Refresh of Deletions after 6 Months of Initial Deletion Round
$3999 One-Time
60 Day term
30 DAYS
For Premium clients ready for
total credit transformation.
Includes:
1 Year membership..which includes credit coaching and 1 year of monitering
Dispute of ALL NEGATIVE Accounts on your report using 3 dispute methods Metro 2 compliance , Consumer Law & Factual Dispute
Deletion of negative items and inquiries within 30 days
Dispute Unlimited Hard Inquiries
Onboarding & 1 Rounds of Disputing
1 Refresh of Deletions every month fo 9 Months of Initial Deletion Round
Addition of 3 High limit aged Tradelines(Authorized user account )
Personal Credit Application Assistance
$5400 One-Time
30 Day Term
(Only paid upfront for services will be completed )
No matter what type of loan you want , you must have good enough credit to get approved
Buy or Refinance Your Home
Purchase a New Vehicle
Reduce Your Financial Stress
Get Approved for Credit Cards (at lower rates)
Be Qualified For Personal Loans
Lower Insurance Payments
Lower Car Payments
Your credit controls where you can afford to live, what you can afford to eat, what you can afford to drive, what you can afford to enjoy; so, why not take control of your credit and choose how you want to live?
Freeway to Wealth Credit Builders is a credit repair agency, providing credit restoration, credit building, credit monitoring and business credit services.
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