FAQs

Credit repair is the process of improving your credit profile by addressing negative or inaccurate information that may impact your ability to qualify for a mortgage. At The Perry Enterprise, we work with clients to identify areas affecting loan eligibility, dispute questionable reporting where appropriate, and provide guidance on responsible credit practices to help strengthen overall creditworthiness.

Many lenders look for a minimum credit score of approximately 620 for conventional loans and 580 for FHA loans. Higher scores may provide access to more favorable loan terms, including lower interest rates. Our goal is to help you strengthen your credit profile in a way that supports your homeownership goals and long-term affordability. 

Some clients may begin to notice positive changes within the first 60 days, while overall credit improvement often occurs over a longer period commonly up to 12 months depending on individual credit profiles. Our Packages are structured to include an initial credit improvement phase, followed by focused home-buying preparation and other goal, helping clients move forward when they are credit-ready. 

Our Homeownership Package provides comprehensive support, including:

• Practical budgeting and savings guidance to help prepare for your down payment
  
  

• Strategic recommendations to improve and manage your debt-to-income ratio
  
  

• Connections with trusted loan consultants and real estate professionals to guide you through the home-buying process
  
  

• Ongoing education on maintaining a healthy credit profile after 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 maintain established partnerships with experienced loan consultants and real estate professionals who understand the unique needs of our clients. When your credit profile is ready, we will connect you with trusted partners to help guide you through the next steps toward homeownership. 

Yes—being denied for a mortgage does not mean homeownership is no longer possible. Denials are often tied to specific factors such as payment history, debt-to-income ratios, or unresolved collection accounts. We review the reasons for denial, outline a personalized action plan, and provide guidance to help position you for a stronger future approval.