RAISE YOUR CREDIT SCORE IN 3 MONTHS

Most people think mortgage brokers only help first-time buyers — but we also solve credit challenges, refinance problems, and debt-stress situations that banks often can’t touch.

Here’s a real-life example that shows how quickly things can turn around 👇

1️⃣ The problem wasn’t late payments — it was high interest

A client was paying her credit cards on time every month… but the high interest rates kept her balances from going down. Her credit score sat at 567 and her bank refused to help.

✔️ no refinance options

✔️ no debt consolidation approved

✔️ high balances + high interest = low score

She felt stuck — and her score wasn’t improving despite doing “everything right.”

2️⃣ Using home equity created an instant solution

Instead of relying on the bank, we used equity from her home to consolidate ALL her credit card debt into a single payment.

✔️ one payment instead of many

✔️ lower interest rate than credit cards

✔️ spread over a longer amortization for affordability

Even though the refinance rate was higher than an A-bank mortgage, it was dramatically lower than credit-card interest — and finally allowed the balances to shrink.

3️⃣ The result was a HUGE credit score jump

Within three months:

✔️ her credit score went from 567 ➜ 769

✔️ her monthly payments dropped

✔️ her stress level disappeared

✔️ she was able to qualify for better products again

This transformation happened simply because she replaced unmanageable high-interest debt with structured, lower-interest mortgage-backed financing.

4️⃣ Banks sometimes can’t offer the solutions brokers can

Banks have strict rules and limited products.

Mortgage brokers work with many lenders — including specialized lenders who focus on:

✔️ credit challenges

✔️ debt consolidation

✔️ refinance options

✔️ alternative lending

This is why people with complex files often see better results through a broker.

💬 Final Thought

A low credit score doesn’t mean you’re stuck. With the right strategy — and the right lender — your credit can improve faster than you think.

If you’re facing high-interest balances or need help rebuilding your score, reach out, and The Frontline Mortgage Group will walk you through the best options, step-by-step.