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The Keys Together™ Program

Turn Your Marriage Into A Mortgage Ready Machine in 90 Days

Check eligibility now

The Keys Together™ Program

Turn Your Marriage Into A Mortgage Ready Machine in 90 Days

Check eligibility now

For Married Couples Buying Their First Home

✔ Full 3-Bureau Mortgage Credit Audit

We conduct a full underwriting-style analysis of both spouses across all three bureaus to identify:

The exact middle mortgage score lenders will use
Rate-impacting factors (not just score factors)
High-risk items that could trigger manual underwriting
Utilization distortions
Aging negative accounts affecting approval

You receive a written breakdown of what is hurting your approval odds and what must be corrected first.

This is the diagnostic phase before we touch anything.

✔ Personalized 90-Day Blueprint

This is your step-by-step roadmap to becoming mortgage eligible. You are never guessing. You know exactly what needs to happen over the next 90 days to hit approval standards.

We map out:

What to fix first
What to leave alone
Which spouse to optimize first
Timeline for score movement
Payment sequencing strategy
DTI and utilization targets

✔ Done-For-You Dispute System

We handle the heavy lifting. We focus only on items that materially impact mortgage approval, not random vanity cleanups. Our goal is leverage, not letters. This includes:

Strategic dispute sequencing
Factual-based validation challenges
Removal pressure strategy
Negative item tracking
Bureau communication coordination

✔ Credit Utilization Optimization Strategy

Most couples unknowingly damage their approval odds with poor balance structure.

We engineer:

Optimal card balance positioning
Strategic paydown allocation between spouses
Which accounts to zero out
Which accounts to leave reporting small balances
Timing for reporting cycles

This alone can generate rapid score increases without removing a single negative item.

✔ Spousal Score Alignment Strategy Call

In a joint mortgage, the lowest middle score often determines the rate. This is financial coordination for married applicants, not generic credit advice.

We analyze:

Whether to apply jointly or individually
Which spouse needs optimization first
How to shift utilization strategically
Whether adding or removing authorized users helps or hurts
How income and DTI interplay with score strategy

✔ Underwriter-Ready Checklist

We prepare you before you ever speak to a lender. This prevents last-minute denials and embarrassing delays.

You receive:

A mortgage readiness checklist
Documentation preparation guidance
Red flag elimination strategy
Recent activity timing rules
What not to do before pre-approval

✔ Weekly Progress Tracking

We monitor progress and keep you on track. You are never wondering what’s happening.

Momentum is maintained.

Includes:

Ongoing score movement tracking
Removal progress updates
Compliance check-ins
Accountability reminders
Adjustment of strategy if needed

✔ Pre-Approval Confidence Review

Before you apply, we conduct a final readiness assessment. You walk into lenders like Rocket Mortgage or Chase Bank knowing you are strategically prepared. This reduces anxiety and increases approval probability.

We confirm:

Target score achieved
Utilization positioned correctly
No recent negative reporting
Debt structure optimized
No approval landmines

The Keys Together™ Program

The Keys Together™ Program

For Married Couples Buying Their First Home

✔ Full 3-Bureau Mortgage Credit Audit

✔ Personalized 90-Day Blueprint

✔ Done-For-You Dispute System

✔ Credit Utilization Optimization Strategy

✔ Spousal Score Alignment Strategy Call

✔ Underwriter-Ready Checklist

✔ Weekly Progress Tracking

✔ Pre-Approval Confidence Review

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