- Match the right loan program to the buyer profile
- Identify which restoration / building tactics drove the outcome
- Estimate realistic timelines for similar buyer profiles
- Translate case patterns into your own pipeline
Case 1 — Maria, Orlando FL
Starting: 582 mid-FICO, $4,300 in non-medical collections, 38% DTI. Goal: FHA $310,000.
Strategy: Disputed 3 unverifiable collections (removed), pay-for-delete on one $1,100 collection, AZEO across two cards. Timeline: 94 days. Closing FICO: 644.
Case 2 — Veteran James, Tampa FL
Starting: 598 mid-FICO, Chapter 7 discharged 26 months prior, strong residual income. Goal: VA $385,000.
Strategy: Located a VA-friendly lender with no overlay below 580, removed two duplicate medical collections, added secured card. Timeline: 47 days. Closing FICO: 612.
Case 3 — Joint File, Sofia & Andres, Miami FL
Starting: 612 / 488 mid-FICOs (lower borrower disqualifying). Goal: Conventional $420,000.
Strategy: Removed Andres as borrower (used Sofia only), removed 4 charge-offs on Sofia's report via specific FCRA disputes, AZEO. Timeline: 71 days. Closing qualifying FICO: 689.
Case 4 — First-Generation Buyer, Lina, Houston TX
Starting: Thin file, two tradelines, 0 FICO mortgage-scoreable. Goal: FHA $245,000.
Strategy: Self credit-builder loan, became authorized user on a 12-year-old parent account, secured card with AZEO. Timeline: 6 months. Closing FICO: 671.
- Most stalled buyers close within 60–120 days with a real plan.
- Sometimes the right move is restructuring the borrowers, not the credit.
- Thin-file buyers need building, not restoration.
Module 12 Exam — 5 questions
Pick the best answer for each question. Pass with 80% or higher to mark this module complete.
- 1.
Maria's biggest score driver was:
- 2.
In Case 3, the team unlocked Conventional financing by:
- 3.
Lina's case is a building case, not restoration, because:
- 4.
Veteran James qualified despite a 612 FICO because of:
- 5.
A realistic timeline for most stalled buyers with a real strategy is:
0 of 5 answered