Improve Your Credit
Before You Buy
Build Better Credit. Unlock Better Mortgage Options.
My free ScoreAdvantage™ plan helps you identify opportunities to improve your credit score in 30–60 days — using a soft credit review (no impact), personalized guidance, and a clear action plan.
Chet Hearn
Senior Mortgage Advisor · Coast2Coast Mortgage
NMLS #1931461 · Company NMLS #376205
Serving Kerrville, San Antonio & the Texas Hill Country
☎ Call or Text: 830-642-1507
Why Improve Your Credit Before Applying?
Even a modest improvement in your credit profile may help you:
- ✓Qualify for more loan programs
- ✓Potentially improve your mortgage pricing
- ✓Reduce your monthly mortgage payment
- ✓Improve your chances of approval
- ✓Increase your purchasing power
What to Expect
- No cost for the review
- No obligation to apply
- Soft credit review only (no impact)
- Personalized recommendations
- Direct guidance from Chet
Simple 3-Step Plan
Soft Credit Review
I securely review your credit with a soft pull (no impact) and identify personalized opportunities to gain points fast.
30–60 Day Action Plan
Receive a clear checklist and coaching to implement steps that can meaningfully raise your score.
Better Mortgage Options
With your updated score, I refresh pricing and explore options to lower your monthly payment.
What Could a Higher Score Save You?
| Credit Score Boost | P&I Savings | PMI Savings | Total Savings (First 10 Years) |
|---|---|---|---|
| Boost to 660 | $33 lower monthly $11,800 over 30 years | $20 lower monthly $2,400 over 10 years | $53 lower monthly $6,360 first 10 years |
| Boost to 680 | $66 lower monthly $23,600 over 30 years | $106 lower monthly $12,720 over 10 years | $172 lower monthly $20,600 first 10 years |
Illustrative examples only. Savings vary by borrower profile and lender. Your exact savings depend on your loan size — I'll be glad to run your numbers.
It's fast. It's free. It could save you thousands.
Ready to strengthen your credit and your future?
Not a credit repair service. I provide education and recommendations only. Results vary.
