In short: The Mortgage Ready Program is a Philadelphia-based credit repair and mortgage readiness program for people who want to buy a home. We review your credit, help you correct errors and lower debt, and give you a step-by-step plan for what lenders look at. $0 today, then $99/month with credit monitoring included. No long-term commitment. Office: 4729 Frankford Ave, Philadelphia, PA 19124 · (267) 588-4326
Get your free Mortgage Readiness Analysis → | Sign up for the program
Credit repair with one goal: getting you into a home
Most credit repair in Philadelphia focuses on one thing: disputing negative items. That can help, but lenders look at more than your score. They also review your debt-to-income ratio, payment history, savings and documents. The Mortgage Ready Program works on all of it, so that when you sit down with a lender you are ready for the conversation.
| Typical credit repair | Mortgage Ready Program | |
|---|---|---|
| Main goal | Remove negative items | Get you ready to apply for a mortgage |
| What it covers | Credit report disputes | Credit errors, utilization, collections, DTI, savings, documents |
| Plan | Dispute rounds | A personalized Mortgage Readiness Plan with step-by-step tasks |
| Support | Varies | A Mortgage Ready Specialist and a client portal you can use on your phone |
How it works
- Create your account. Sign up online and connect credit monitoring.
- Personalized review. We review your credit reports and your homebuying goals.
- Your Mortgage Readiness Plan. You get a clear list of what to fix first, from errors and collections to card balances and savings.
- Take guided action. Work through your plan at your own pace in the client portal, with support from our team.
What it costs
There are no upfront fees. You pay $0 today, your first $99 payment is due after 30 days, then $99 per month. That includes the credit monitoring you and our team use to track changes to your credit as you work through your plan. There is no long-term contract, and you can pause or cancel at any time. Pricing is subject to change, and we sometimes offer promotions.
Common credit problems we help Philadelphia buyers work through
- Errors on your credit report. Wrong balances, accounts that are not yours or outdated late payments (see how credit errors affect approval).
- Collections and medical bills. What to pay, what to leave alone and what lenders require (see buying a house with collections).
- High credit card balances. Lowering utilization is often one of the fastest score improvements (see what to pay down first).
- Thin or no credit. Building enough history for a lender to approve you (see ways to build credit for homeownership).
- Past bankruptcy or foreclosure. Understanding waiting periods and rebuilding (see getting a mortgage after bankruptcy).
What credit score do you need to buy a house in Philadelphia?
It depends on the loan. FHA loans allow scores as low as 580 with 3.5% down, while conventional loans usually start around 620. Many lenders, and many down payment assistance programs, set their own higher minimums. See our guides to FHA loan requirements in PA, the credit score you need to buy a house, first-time homebuyer programs in PA and Philadelphia first-time home buyer programs. Note that PHFA’s down payment assistance loans require a 660 credit score.
Serving Philadelphia and the surrounding area
Our office is on Frankford Ave in Northeast Philadelphia, and the program is completed online, so you can join from anywhere in the city, including Frankford, Kensington, Port Richmond, Bridesburg, Mayfair, Tacony, North, West and South Philadelphia, as well as Bucks, Montgomery and Delaware counties and the rest of Pennsylvania.
Find out how mortgage-ready you are
Tell us a little about your situation and we will show you where you stand and what to work on first.
Get your free Mortgage Readiness Analysis → or call (267) 588-4326 (Mon–Fri, 9am–5pm).
Credit repair Philadelphia FAQs
How much does credit repair cost in Philadelphia with the Mortgage Ready Program?
There are no upfront fees. You pay $0 today, your first $99 payment is due after 30 days, then $99 per month with credit monitoring included. There is no long-term commitment, and you can cancel anytime.
Do I need good credit to join?
No. The program is built for people whose credit is not mortgage-ready yet, including people with collections, late payments or thin credit files.
How long does it take to get mortgage-ready?
It depends on your starting point. Some people mainly need to correct errors or lower card balances, which can show up within a few billing cycles. Others need several months to build history and savings. The program is self-paced, with guidance along the way.
Can you guarantee I will be approved for a mortgage?
No. Lenders make all mortgage decisions. Our job is to help you prepare so you are better positioned when you apply.
Can I fix my credit myself?
Yes. You have the right to dispute inaccurate information with the credit bureaus yourself at no cost. Many people choose a guided program because it adds a plan, accountability and a focus on what lenders actually review.
Can I meet with someone in person?
The program is designed to be completed online, so you can work on it from anywhere in Philadelphia or Pennsylvania. We also have an office at 4729 Frankford Ave in Northeast Philadelphia.
Is this only for first-time buyers?
No. Many members are first-time buyers, but the program also helps past homeowners who want to buy again.
Related: credit repair for homebuyers · how to fix your credit to buy a house · first-time homebuyer readiness checklist
The Mortgage Ready Program is not a lender and does not guarantee mortgage approval or any specific change to your credit score. You have the right to dispute inaccurate information on your credit report directly with the credit bureaus at no cost.