The Hartley family had stable income and a solid down payment, but old collection accounts and a thin mortgage history kept their application stuck in manual review. Their pre-approval came back with conditions they could not meet.

We audited all three bureaus, disputed two misreported collections and one balance that never updated after payoff, and built a six-month utilization and payment plan around their closing timeline.

With aged negatives removed and utilization under 10 percent, their file cleared automated underwriting. They closed on their first home with a conventional loan and a rate they were proud of.