18-Month Mortgage-Ready Program
Get your credit home-ready
An 18-month plan to restore, build, and prepare your credit for a mortgage conversation.
$99.99/month, up to 18 months
Free Mortgage-Ready Blueprint included
The problem
Errors on a credit report can stand between you and your front door.
Inaccurate late payments, outdated accounts, and confusing reports can hold back a mortgage application. Most people don't know where to begin, what to dispute, or how lenders read a report.
The solution
One clear plan, one dedicated team, one goal: mortgage-ready.
The Blueprint combines credit restoration, credit building, and mortgage education into a phased roadmap, so every month moves you forward with purpose.
Who it's for
Built for future homeowners who want a clear path
First-time buyers
You're planning to buy a home and want to understand what lenders look for.
Rebuilding after setbacks
Past late payments, collections, or hard times have left marks on your report.
Denied or delayed
A lender said "not yet" and you want a structured plan before applying again.
Ready to commit
You can dedicate up to 18 months to steady, month-by-month progress.
What's included
Everything in the Blueprint
Credit Restoration
We review your reports and dispute items that appear inaccurate, incomplete, or unverifiable.
Credit Building
Guidance on adding positive payment history and healthy utilisation habits.
Mortgage Readiness
Education on what lenders review, so you can prepare with confidence.
Ongoing Support
Regular progress check-ins and answers from a dedicated team.
Your roadmap
The 18-month journey, in four phases
Phase I
Months 1–3
Review & Foundation
Full review of all three reports, first round of disputes, and your personal credit plan.
Phase II
Months 4–8
Restore & Build
Follow-up disputes where appropriate and steady positive-credit habits.
Phase III
Months 9–14
Strengthen
Refine utilisation, monitor progress, and address remaining inaccuracies.
Phase IV
Months 15–18
Mortgage Ready
Prepare documents and understand lender requirements before you apply.
How it works
Three simple steps to begin
01
Book your free consultation
02
Receive your personal credit plan
03
Begin your Blueprint
Pricing
Simple, transparent, paid after work is done
18-Month Mortgage-Ready Program
$99.99/month
Up to 18 months. Cancel anytime.
You are charged only after services are performed.
Book My Free Credit ConsultationClient stories
In their words
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Free consultation
Book your free credit consultation
Questions
Frequently asked
Can you promise a score increase?+
No. No one can lawfully promise a specific result. Results vary based on your individual credit history.
When am I charged?+
You are charged $99.99 per month only after that month's services have been fully performed.
Do I have to stay for 18 months?+
No. The program runs up to 18 months, and you can cancel at any time. You may also cancel without penalty within 3 business days of signing.
Can I dispute items myself?+
Yes. You have the right to dispute inaccurate information directly with the credit bureaus at no cost. We offer guidance and do the work for you.
Are you a lender?+
No. Lux Financial Clinic is not a lender or mortgage broker and does not make credit decisions.
Your home awaits