Ms Tee A & B Consultant

Ms Tee A & B Consultant “Coming From a Small Family & Country”🤠 Business Consultant | Credit Coach | Digital eBook Seller | Mompreneur 💫💕

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06/25/2026

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06/25/2026

BRAND AMBASSADORS WANTED 💰

If you love looking for people that want to get their credit right & get to 700+ credit score ❗️Posting content, and promoting — this is for YOU 👑

💼 What you’ll do:
• Promote my flyer & content
• Bring attention to the brand
• Stay consistent & professional

💰 What you get:
• Free Credit Repair
• Free Credit Building
• Credit Score Increase

📌 Requirements:
• Must be active on social media
• Active Smart Credit
• Must be serious & consistent
• Good communication

🚨 Serious inquiries ONLY — DM me “AMBASSADOR” to apply
Let’s work 🤑
Let’s help others improve their Credit !

06/25/2026

🛑 Before signing ANY auto loan contract:

Recommended Credit Builders & Starter Credit Cards💡 While we’re working on removing negative items from your credit repo...
06/23/2026

Recommended Credit Builders & Starter Credit Cards

💡 While we’re working on removing negative items from your credit report, these tools can help you build positive credit history, strengthen your overall credit profile, and improve your chances of qualifying for better credit products in the future.

Credit Builders

1. Kikoff

Best for: Thin credit files, beginners, and lower credit scores

✅ Reports to all 3 credit bureaus

✅ No hard inquiry

✅ Plans start around $5/month

✅ Revolving tradeline reporting

Apply Here ⬇️

https://kikoff.com

2. Self

Best for: Adding an installment account to your credit profile

✅ Credit-builder loan

✅ Reports to all 3 credit bureaus

✅ Helps build payment history

✅ Can improve your credit mix

Apply Here ⬇️
https://www.self.inc/refer/19132181

Good Starter Credit Cards ⬇️

These cards are designed for credit rebuilding and establishing positive payment history.

✅ Reports to all 3 credit bureaus

✅ Some applicants with credit scores in the 500s may qualify depending on their overall credit profile

✅ Great for building positive payment history

✅ Can help position you for higher-limit credit cards and better financing opportunities in the future when managed responsibly

Capital One Platinum

Apply Here ⬇️

https://i.capitalone.com/J5xoxHdY5

Milestone Mastercard ( Starter Card)
Apply Here ⬇️

https://www.milestonegoldcard.com/

Indigo Mastercard ( Starter Card)

Apply Here ⬇️

https://www.indigocard.com/

⚠️ IMPORTANT: These accounts only help if you use them responsibly. Make your payments on time every month and keep your credit card utilization low. Ideally, keep your balance below 10-30% of your credit limit.

If you know you cannot pay the card back, do not use it. Missing payments, carrying high balances, or maxing out your cards can make your credit worse instead of better.

These tools are designed to help you build positive payment history and increase your credit score over time—but only when managed correctly.

📈 If you decide to use any of these recommendations, come back to this post in 45 days and let us know how much your score increased. 😏

Your fresh start is here. It’s true! If you’ve got less than perfect credit, Indigo Mastercard® will help you make your dreams a reality.Indigo proudly serves the punk rock record collector, the novice cheese maker, the too-long scarf knitter, the neighborhood cat rescuer and you, the true orig...

06/23/2026

How to remove hard inquiries from Experian, TransUnion, & Equifax in 48 hours

Call all 3 Credit Bureaus
TransUnion is difficult 🙄

Experian-1-888-397-3742
Equifax-1-888-378-4329
TransUnion-1-800-916-8800

Here’s what you say & be nice and patient ☺️
"I noticed several unauthorized inquiries on my credit report that I would like removed Inform them that according to the FCRA these unverified and unauthorized items must be removed.”

Make sure to have your inquiries are in front of you before calling! They're going to ask which ones you want removed. Don't dispute inquiries
tied to open accounts!

They're going to tell you that they're going to put a fraud alert on your report. Tell them, thanks, but it’s not necessary. You will freeze it yourself.

If you find this information helpful, don’t hesitate to share your results with me! 😊

06/15/2026

🚨 10 THINGS YOU SHOULD NOT DO THIS YEAR IF YOU WANT BETTER CREDIT 🚨

1️⃣ Don’t apply for every credit card you see.

2️⃣ Don’t max out your credit cards.

3️⃣ Don’t miss payments: Even one late payment can hurt.

4️⃣ Don’t close old credit cards unless necessary.

5️⃣ Don’t ignore collection notices.

6️⃣ Don’t co-sign for someone unless you’re willing to take full responsibility.

7️⃣ Don’t open Buy Now, Pay Later accounts every month.

8️⃣ Don’t dispute accounts yourself without understanding the process.

9️⃣ Don’t finance things you can’t comfortably afford.

🔟 Don’t focus only on your score, focus on building a strong credit PROFILE.

💳 Remember: Lenders approve profiles, not just scores.

Protect your credit. Build your profile. Set yourself up for approvals in 2026. 👑

06/15/2026

Imagine you feeling stuck in life because of OLD financial decisions still impacting your buying power !

Your car note is HIGH , your interest rates are crazy, and credit cards are maxed because of NEGATIVE ITEMS on your credit reports.

You can get these items DELETED and see a HUGE difference in the amount of money you save 💪🏼

CC

06/15/2026

💳 Credit Tip for the Group 💳

A lot of people focus ONLY on removing negative items from their credit report… but cleaning is only half the battle. 👀

Building is just as important as cleaning‼️💯

You can delete collections, charge-offs, and late payments all day… but if you’re not adding positive accounts, what is the bureaus supposed to score? 🤔

Think of your credit like a house. 🏡

Cleaning = removing the trash 🗑️

Building = adding furniture, structure, and value 🛠️✨

You need BOTH‼️

That means focusing on things like…

✅ Positive payment history

✅ Low utilization

✅ Credit age

✅ Strong account mix

A clean report with no positive activity won’t get you nearly as far as a clean report that’s actively being built. 📈

Stop obsessing over deletions only‼️

Your goal isn’t just to clean your credit… it’s to build a strong profile lenders actually want to approve. 💙

06/15/2026

6 Side Hustle Websites To Earn Extra Money From Home Pt.2✨

1. User Interviews
Get paid to participate in research studies and consumer interviews.

2. Prolific
Earn money by taking academic and research surveys from universities worldwide.

3. Scribbr
Get paid to proofread and edit academic documents.

4. UserTesting
Earn money by testing websites and apps and sharing your feedback.

5. Study. Com
Get paid to create educational content, review lessons, or answer questions.

6. TranscribeMe
Get paid to transcribe audio and video files from home.

💎Did you know: The FTC has BANNED over 50 debt collection agencies from participating in the business of debt collection...
06/15/2026

💎Did you know:

The FTC has BANNED over 50 debt collection agencies from participating in the business of debt collection!

Check it out: https://www.ftc.gov/legal-library/browse/cases-proceedings/banned-debt-collectors/list

How can this help you? Utilize this for account removals! Draft a Dispute letter to the credit bureaus, also referencing the ban. Follow up with a CFPB complaint on the company.

(If your debt collection company isn’t listed: STILL dispute😊)

These companies and people are banned, by federal court orders, from participating in the business of debt collection.

06/13/2026

Credit Repair Steps 📌 CC Comments

06/12/2026

💳 CREDIT TIP OF THE DAY 💳

A lot of people think carrying a balance helps their credit. 🚫 It doesn't.

And a lot of people don't realize HOW credit card interest actually works. 😩👇🏽

Let's break it down...

🔹 If you charge $1,000 on a credit card and don't pay it off by the due date, the credit card company starts charging interest on that balance.

🔹 Most credit cards charge interest DAILY. 📅💸

That means every day you carry a balance, you're paying for the privilege of owing money. 😒

Here's where people get tripped up... 👀

Your credit card has TWO important dates:

📌 Statement Closing Date

📌 Payment Due Date

The statement closing date is when the credit card company takes a snapshot 📸 of your balance and reports it to the credit bureaus.

The due date is when your payment is actually due.

💡 For the BEST credit score results…

✅ Use the card.

✅ Let a small balance report (1%-9% utilization is ideal).

✅ Pay the balance off before the due date to avoid interest.

Example👇🏾👇🏾👇🏾

Credit Limit: $1,000 💳

❌ Maxing it out to $900 and letting it report.

✅ Letting only $30-$90 report.

Your score likes to see that you're using credit responsibly, not relying on it. 📈✨

🔥 Pro Tip👇🏾👇🏾👇🏾

If you're trying to build or rebuild your credit, don't wait until the due date to make payments.

Paying throughout the month can…

✅ Keep utilization low

✅ Save money on interest

✅ Help your score look healthier

Remember…

💰 Interest is money you're giving away.

📈 Good credit is about strategy, not debt.

🧠 The goal isn't to carry a balance... the goal is to manage one responsibly.

Questions? Drop them below! 👇🏽💙

05/30/2026

💡 FREE GAME 💡What "complicated" actually looks like in GovCon:

Step 1: Form LLC — 20 minutes online
Step 2: Get EIN — 5 minutes at http://IRS.gov
Step 3: Open business bank account — one afternoon
Step 4: Start http://SAM.gov registration — 45 minutes
Step 5: Wait 3–4 weeks for activation
Step 6: Search for a contract — 20 minutes
Step 7: Call your supplier — 10 minutes
Step 8: Submit your bid — 2 hours

Total active time: about 4 hours spread over a month.

"Complicated" is the story.
4 hours is the reality

Official U.S. Government Website The Official U.S. Government System for: Contracting Research and engage in federal contractingEntity Information View entities doing federal businessFederal Hierarchy Search the directory of federal organizations Federal Assistance Learn about grants and other feder...

05/30/2026

🗣️ Credit Tip: Begin disputing directly with these companies to make it a easier process for The 3 main bureaus & if you thought it was just those 3 , your wrong again, Here’s a list of the secondary bureaus in which TransUnion, Equifax and Experian pulls their data from:

• Corelogic(Credco) - houses property and financial data(evictions, broken leases, mortgages etc) and more!

• Lexis Nexis - houses real estate, ownership data, lien, public records, judgements, bankruptcy, historical addresses, consumer and business assets, relationships between you and entities, name or marital status changes, relocations and more!

• SageStream(Lexis Nexis company) - houses auto lenders, credit card issuers, retailers, utilities, mobile phone service providers and more!

• Innovis - houses rent payments, utility bills, mobile phone gym memberships and more!
AmRent- houses eviction information, criminal history and more!

• ARS - houses consumers approve and denied bank card application

• ChecSystems- houses closed checking and savings accounts, potential fraud on those accounts and bank account worthiness

You absolutely can dispute the debt with the credit bureau if the amount on the collection agency's letters doesn't matc...
05/28/2026

You absolutely can dispute the debt with the credit bureau if the amount on the collection agency's letters doesn't match what's reflected on your credit report (and the reported amount is decreasing). Here's how you can approach it:

Dispute for Inaccuracy:

The difference in amounts is a strong reason to dispute the debt. It indicates a potential error in the reported information.
Here are two ways to dispute the debt:

Online Dispute: Most credit bureaus allow online disputes. You can visit the website of each bureau (Experian, Equifax, TransUnion) and find their dispute section. There, you can initiate a dispute for the specific debt entry in question.

Mail a Dispute Letter: You can also draft a letter outlining the discrepancy. Be sure to include the following details:

Your name and contact information
A clear statement that you are disputing a specific debt entry (mention the creditor and account number)

Explain why you believe the information is inaccurate (mention the difference in amounts between the collection agency letters and the credit report)
Enclose copies of any supporting documents (copies of the collection agency letters showing different amounts)

Here are some resources with sample dispute letters:

Federal Trade Commission (FTC): Disputing Errors on Your Credit Reports: https://consumer.ftc.gov/articles/disputing-errors-your-credit-reports

Consumer Financial Protection Bureau (CFPB): How to Dispute an Error on Your Credit Report: https://www.consumerfinance.gov/ask-cfpb/how-do-i-dispute-an-error-on-my-credit-report-en-314/
Additional Considerations:

Dispute Each Bureau: You'll need to submit a separate dispute for each credit bureau where the information is inaccurate.
Collection Attempts Continue: Disputing the debt doesn't necessarily stop the collection agency from contacting you. You may still receive collection letters or calls.
Debt Validation: You can also send a separate letter directly to the collection agency (Westlake Portfolio Management) requesting debt validation. This formally compels them to provide proof of the debt and its accuracy.
Remember:

Keep copies of all your dispute letters and supporting documents.
The credit bureaus are required to investigate your dispute within 30 days of receiving it. They will contact you with the results.

By following these steps, you can dispute the inaccurate debt information on your credit report. If the reported amount is decreasing, it might be a sign the debt is nearing its end of the credit reporting cycle (typically 7 years for charge-offs). However, disputing an error can help ensure your credit report reflects accurate information.

If you have not already, we invite you to enroll in our Free e-course on credit education and repair. Or if you choose, upgrade to the video version of our credit repair and education online video course for a nominal $7.00.

Learning through video engages both visual and auditory senses, providing a dynamic, multisensory experience with the benefits of demonstration, modeling, and engaging content. Videos are accessible and allow for self-paced learning, but distractions and varying internet access can be drawbacks. On the other hand, reading offers in-depth textual information, promoting critical thinking and flexibility, but may be less engaging for some learners. Personal preferences and the nature of the content play a crucial role, and a balanced approach that combines both modalities often results in a more comprehensive learning experience. Basically, when we see and hera thinga we tend to remember what it is we are seeing and hearing much better and retain it longer as well.

https://getgoodcredit.org/freeecourse

Get Good Credit Credit Repair Videos and More… Get Started on the Road to Better Credit, Lower Rates & the Best Terms! Get Started Get Our Limited Time Offer! Expires in.. Day(s) : Hour(s) : Minute(s) : Second(s) P Lower Interest Rates Good credit gets lower interest rates and better terms. Best r...

05/27/2026

💎 PERSONAL INFORMATION REMOVAL LETTER 📬

[Your Full Name]
[Address]
[City, State ZIP]
[Date]

RE: Request for Removal of Inaccurate Personal Information

To Whom It May Concern,

I recently reviewed my consumer report and noticed inaccurate personal information reporting on my file. Under the Fair Credit Reporting Act, I am requesting the immediate removal of all inaccurate and outdated personal information.

Please remove the following:

* Incorrect addresses
* Incorrect name variations
* Incorrect employers
* Incorrect phone numbers

These items are inaccurate and do not belong on my consumer report. Please conduct a reasonable investigation and update my file immediately.

I am requesting an updated copy of my report reflecting these corrections.

Sincerely,
[Your Name]

05/23/2026

Grants that does not require an LLC: ( CC: comments)

05/22/2026

Goodmorning Morning ☀️

💎 I can’t stress the importance of this which will letter benefit you or hurt but right you have a chance !💫STUDENT LOANS CARRIERS 🫵🏽

If you've student loans with Mohela, Nelnet, Navient, Edfinancial, Maximus, Osla, Sallie Mae, U.S. Department Of Education, and Sofi. Your student loan debt just might disappear on your credit. They're being sued right now. Do you research and get you student loan debt cleared to ZERO balance. You can also get your student loan/loans removed from your credit. THANK ME LATER

05/18/2026

Start Your Business Up CC:

05/18/2026

💎 A program to help you get a 🚘 CC: Comments

05/18/2026

30 PLATFORMS TO LEARN ANY SKILL FOR FREE‼️

Something powerful is coming… ✨📚The Knowledge Bazaar is more than a bookstore — it’s where everyday questions turn into ...
05/16/2026

Something powerful is coming… ✨📚

The Knowledge Bazaar is more than a bookstore — it’s where everyday questions turn into practical eBooks, business tools, life-help guides, and knowledge you can actually use.

Get ready to learn, download, and grow.Grand Opening Coming Soon! 🖤💛

Building Business Credit Is Only The Beginning , Keep Going & Going 💕💫
05/14/2026

Building Business Credit Is Only The Beginning , Keep Going & Going 💕💫

💕💫💙💎🔥Fathers Day Credit Repair 🔥🔥🔥💫Memorial Day SALE🔥🔥🔥💫Stop letting your past mistakes hinder your future approvals! 🫵🏽...
05/14/2026

💕💫💙💎🔥Fathers Day Credit Repair

🔥🔥🔥💫Memorial Day SALE🔥🔥🔥💫

Stop letting your past mistakes hinder your future approvals!

🫵🏽 Brace and catch a Credit Case with The Credit Fairy 🧚🏽‍♂️ CC: Comments 💫🔥

Whew 💫I Really need VA 📌 😩😩 Feeling UNDEFEATED 🥊 in credit repair🥶Just because my followers are low does NOT mean my cli...
05/14/2026

Whew 💫I Really need VA 📌 😩😩 Feeling UNDEFEATED 🥊 in credit repair🥶

Just because my followers are low does NOT mean my client base is not on 🔥 These clients are now my bestiessss !! We’re on the road and we are attacking & challenging these credit reports 💕💎 with my new Prep Your Credit Report- 1st 3 months 🧼Using The Clean My Personal Info SWEEP 🧹! You do not want to miss out as my slots are secretly filling 🤭

🔥🔥Memorial Day & Fathers Day Credit Repair Sale Releases ! 🔜 🔗 🥶

Link in my bio ! Free consultations May-June 21 !! 🔥

05/12/2026

Things nobody teaches you about credit 🧵👇

✅ Paying on time is 35% of your score
✅ High balances hurt even if you pay them
✅ Closing old accounts can LOWER your score
✅ You have 3 credit reports — not 1
✅ You can dispute ANYTHING — and win

Share this in case someone needs this. 💜

05/12/2026

Hey, Sometimes you have to Keep Moving Until 🫵🏽 Feel Satisfied where you are… 💭 Success in Silence 💫💕

05/12/2026

🚨IF YOU ARE A CURRENT CLIENT, PLEASE MAKE SURE YOU ARE KEEPING YOUR CREDIT MONITORING ACTIVE. THIS IS A REQUIRED PART OF YOUR PROGRAM, I CAN NOT REACH OUT TO YOU EVERY MONTH INFORMING YOU OF THIS.

THIS DELAYS YOUR PROCESS, I CAN NOT HOLD ON TO PEOPLE WHO ARE NOT FOLLOWING THE ONLY REQUIRED GUIDELINES.

YOUR CREDIT MONITORING IS REQUIRED IN ORDER FOR ME TO SEND YOUR NEXT ROUND.

If we go to process and you are not active- you will be Skipped. Please set autopay up and mark it on your calendar 📈

A&B Consulting LLC

05/12/2026

Equifax is being sued and removing all negative items from your credit report , use the letter CC: Comments and Drop Your Results 🔥🔗

05/11/2026

Always bank with one or more credit unions 🎯

Here are a few credit unions I recommend.

🏆Of course Navy Federal is listed but there are others that are easier to join and offer great services and products as well.

🔥Best overall: Alliant Credit Union (ACU) ($5 enrollment)

🔥Best for rewards credit cards: Pentagon Federal Credit Union (PenFed) ($5 enrollment)

🔥Best for military members: Navy Federal Credit Union (NFCU)

🔥Best for APY: Consumers Credit Union (CCU)

🔥Best for low interest credit cards: First Tech Federal Credit Union (FTFCU)

05/11/2026

Hey! I just launched my A&B Credit Empire referral and education community inside Stack Team App.

This group is for credit education, DIY letter support, business resources, referral networking, and updates on classes, services, and partner opportunities.

Download Stack Team App, search for my community, and request to join the correct access group.

Once you’re inside, check the announcements, resources, and payment/start-here links.

https://abcreditempirereferralhub.teamapp.com?_webpage=v1

05/10/2026

Happy Mothers Day Empire to all my hardworking moms & continue to strive to many more ! 💕

05/09/2026

🫵🏽 Please register to vote if you want vote in the Primary Election on May 19. It is easy to check and see if you are registered or to register. It takes less than ✌🏾 minutes ‼️

Register to vote here, Review Your Ballot , Find your polling Location, Study Your Candidates !!!! 🇺🇸

P.S -Set a reminder to Vote 🗳️ all Here too !

www.vote.org

05/05/2026

Let me say something that might ruffle some feathers 🥱 a lot of these people are “GOAT” because they are teaching what you want to hear and teaching business credit WRONG, and people are ending up in civil court because of it.

Here’s what they’re not telling you:

There is a BIG difference between TRUE business credit, corporate credit, and personally guaranteed financing. These are NOT the same thing.

Real business credit is built on your business ALONE - your EIN, your business bank account, your revenue, your business track record. NO personal guarantee. The business stands on its own.

What a lot of these coaches are actually teaching you is how to get personal financing with a business name slapped on it. And the moment you sign a personal guarantee — YOU are on the hook. Not your business. YOU.

And right now, people who followed that advice are being sued in county and civil court. They thought they were protected because it said “business.” They weren’t.

Here’s the real difference that matters:

If you have TRUE business credit and the business fails — you can bankruptcy the business and walk away.

If you personally guaranteed that debt — you cannot walk away. You put yourself on the line personally.

Before you pay anybody for a course or coaching program, do a simple Google search. The information is FREE. Learn what a personal guarantee actually means. Learn what an EIN-based credit profile really looks like. Protect yourself.

Just because someone has a big following doesn’t make them the GOAT. It makes them popular. Those are two very different things. 💯

05/05/2026

‼️Here's what actually moves your credit score UP 👀

✅ Pay on time EVERY time — this is 35% of your score. Most important thing period.
✅ Keep your credit card usage BELOW 30% of the limit
✅ Don't close old accounts — age of credit matters
✅ Dispute errors — wrong info shouldn't be hurting you
✅ Add positive accounts — secured cards, credit builder loans

None of this is complicated. It just takes consistency.

The game ain't rigged against you forever. You just gotta learn the rules.

Share this for someone who needs it💪

05/02/2026

LEGAL credit repair is NOT easy if it were, EVERYBODY would be walking around with a 700+ credit score. Data shows A score under 700 is very common—you’re looking at about 4 out of every 10 adults in the U.S.‼️
This process takes time, consistency, and multiple rounds of pressure. That’s the REALITY. 💯

I’ll never understand how someone can start with damaged credit but expect a perfect score in 30 days. Be for real.
Great credit doesn’t come overnight and it DEFINITELY doesn’t come in one dispute round.

The bureaus will stall you… 3–5 rounds is NORMAL.
They will ignore you, delay you, and test your patience until you FORCE them to investigate. That’s why so many people quit too early. They tap out after round 1 or 2, not knowing those rounds are usually just warm-ups.

If you don’t manage your expectations, you WILL get frustrated. But if you stay consistent? The results are absolutely worth it. 💯

And let’s address the elephant in the room…These pages promising an 700+ in 30 days are SELLING DREAMS. It’s marketing. Nothing more. ✔️

Stay focused. Stay patient. Stay in the process. The reward is REAL. 🚀

05/01/2026

📢 🚩🚩🚩🚩🚩🚩🚩🚩🚩🚩🚩🚩🚩🚩📢

🙏🏾 Please 🙏🏾

Be careful of companies or people that say they can fix your credit in 24 hours, 2 days, or even a week, legally, it typically takes about 45–90 days for a thorough investigation to happen. Filing a false identity theft claim to fix your credit is considered fraud and can lead to serious consequences, including fines or criminal charges, especially if false statements or reports are involved.

Credit bureaus like Equifax, Experian, and TransUnion can investigate and reverse any deletions if the claims are proven false, placing negative items back on the report and flagging the file for suspicious activity. Creditors may also take legal action, reinstate debts, and resume collections, while the individual’s credibility is damaged making future legitimate disputes harder and potentially affecting loan approvals, housing, and even employment opportunities.

Legitimate credit repair takes time, at least 12 months to make sure everything is done professionally, legitimately, and correctly. That doesn’t mean you won’t see results during those 12 months, but to truly fix errors, build positive history, and create a strong, lasting credit profile, it requires consistency, patience, and doing things the right way from start to finish! ….

05/01/2026

🚨 Ready to Stop Getting Denied? 🚨

If your credit is holding you back from getting approved for:
✔️ A home
✔️ A car
✔️ An apartment
✔️ Business funding
✔️ Credit cards

Now is the time to take control of your financial future 💳✨

We help clients:
✅ Remove inaccurate negative items
✅ Build stronger credit profiles
✅ Increase credit scores
✅ Learn healthy credit habits
✅ Get back on track financially

No judgment. No pressure. Just real results and a plan that works 📈

📩 Message me today for a FREE consultation and let’s discuss your credit goals!
Spots are limited for new clients this month. 🔥

04/30/2026

FHA vs. Conventional Loans: Which One Is Right for You? 🤔🏡
Thinking about buying a home but not sure whether to go FHA or Conventional?

Let’s break it down! ⬇️

🔹 FHA Loan (Great for First-Time Buyers!)
✔️ Lower credit score requirements (as low as 580 with 3.5% down)
✔️ Low down payment options (3.5% minimum)
✔️ More flexible on past credit issues
✔️ Higher DTI limit (up to 56.99% in some cases)
❌ Requires mortgage insurance for the life of the loan (unless refinanced)

🔹 Conventional Loan (Ideal for Those with Strong Credit!)
✔️ Higher credit score requirements (typically 620+)
✔️ Down payments as low as 3% (but 20% avoids PMI!)
✔️ No mortgage insurance if you put 20% down
✔️ More flexible on property types (condos, second homes, etc.)
❌ Stricter DTI limit (usually 45-50% max)

💡 Which One is Best for You? If you have a lower credit score, higher DTI, or a smaller down payment, FHA may be the way to go. If you have good credit, a lower DTI, and can put more money down, a Conventional loan might save you money in the long run!

Still unsure? Let’s chat ⬇️ and see which option works best for your homeownership goals! 📩🏡

🔑 Licensed & Ready to Help You Finance a Home!

💭 Thinking about purchasing a home?
Here’s the real question: “What are you waiting for?” 👀

📩 Contact me TODAY to get started ✅

Address

181 W Valley Ste 245
Birmingham, AL
35209

Opening Hours

Monday 9am - 4pm
Tuesday 9am - 4pm
Wednesday 9am - 4pm
Thursday 9am - 4pm
Friday 9am - 4pm

Telephone

+12055786884

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