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Credit Score Advantage

Boost Your Credit Score Before You Buy – Save Up to $20,600 in 10 Years

Our free ScoreAdvantage℠ Credit Optimization Plan helps many buyers increase their credit score 20–40 points in 30–60 days — using a soft credit review (no impact), a personalized plan, and hands-on guidance.
Authorize your credit score hearSchedule a Call
Coast2Coast Mortgage

Chet Hearn

Senior Mortgage Loan Advisor • Coast2Coast Mortgage
NMLS #1931461 • Lender NMLS #376205

Quick Start

  • Soft Credit Review ----
    discover quick wins with no impact to your score.

  • 30-60 Day Plan ----
    personalized actions that can boost scores 20–40 points.

  • Better Offers ---
    improved pricing can lower monthly payments.

Get My Free Plan

Why It Works

ScoreAdvantage℠, explained in 60 seconds
Identify credit factors holding your score back (soft pull only).

Plan specific, time-boxed actions to raise your score quickly.

Save with improved pricing and lower monthly payments over time.

It's fast. It's free. It could save you thousands.

Why It Works

Illustrative examples only. Savings vary by borrower profile and lender.

Simple 3-Step Plan

Soft Credit Review

We securely review your credit with a soft pull (no impact) and find personalized opportunities to gain points fast.

30–60 Day Action Plan

Receive a clear checklist and coaching to implement steps that can raise your score 20–40 points.

Better Loan Options

With updated scores, we refresh pricing and explore options to lower your monthly payment.

Coast2Coast Mortgage

We offer a personalized and distinctive approach to mortgages, combining human-driven insights with technical expertise to create a perfect hybrid. Our lending solutions are designed to expedite loan processing, delivering faster results while substantially reducing costs.

Phone

(830) 642-1507

E-mail

chet@chethearn.comSchedule a Call
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Contact Chet

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★★★★★
Chet's the best mortgage broker that I've ever worked with, and I couldn't recommend him enough. There's no one better in the hill country. (more)
– Justin Ferrell
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★★★★★

“I struggled with the decision to either utilize a local broker or a direct lender for my home loan and am very happy I went with Chet. He made the application process very smooth and even negotiated an interest rate so low that the closer at the title company said it was the best he'd seen that month after dozens of closings. A great guy and very professional.”

– Justin Ferrell
This offer made by Coast2Coast Mortgage, LLC, NMLS #376205, 125 B King Street, St Augustine, FL 32084, which is not affiliated with your current lender, nor is it a federal government agency or government form. This is not a credit decision or a commitment to lend.

CONSUMERS WISHING TO FILE A COMPLAINT AGAINST A COMPANY OR A RESIDENTIAL MORTGAGE LOAN ORIGINATOR SHOULD COMPLETE AND SEND A COMPLAINT FORM TO THE TEXAS DEPARTMENT OF SAVINGS AND MORTGAGE LENDING, 2601 NORTH LAMAR, SUITE 201, AUSTIN, TEXAS 78705. COMPLAINT FORMS AND INSTRUCTIONS MAY BE OBTAINED FROM THE DEPARTMENT’S WEBSITE AT WWW.SML.TEXAS.GOV. A TOLL-FREE CONSUMER HOTLINE IS AVAILABLE AT 1-877-276-5550.

THE DEPARTMENT MAINTAINS A RECOVERY FUND TO MAKE PAYMENTS OF CERTAIN ACTUAL OUT OF POCKET DAMAGES SUSTAINED BY BORROWERS CAUSED BY ACTS OF LICENSED RESIDENTIAL MORTGAGE LOAN ORIGINATORS. A WRITTEN APPLICATION FOR REIMBURSEMENT FROM THE RECOVERY FUND MUST BE FILED WITH AND INVESTIGATED BY THE DEPARTMENT PRIOR TO THE PAYMENT OF A CLAIM. FOR MORE INFORMATION ABOUT THE RECOVERY FUND, PLEASE CONSULT THE DEPARTMENT’S WEBSITE AT WWW.SML.TEXAS.GOV.

Disclosure:
The content provided within this website is presented for information purposes only. This is not a commitment to lend or extend credit. Information and/or dates are subject to change without notice. All loans are subject to credit approval. Other restrictions may apply. Mortgage loans may be arranged through third party providers.
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