How it works
From high card balances to a better loan in about six weeks
Choose your view. Brokers and lenders manage the file; homeowners see what to expect at each step.
WEEK 0
Scenario & pre-approval
DAY 1 OF BRIDGE
Close & pay off cards
WEEKS 1–3
Balances report, rescore
ABOUT WEEK 6
Exit loan closes
For brokers & lenders: five steps
- 1
Submit a scenario
Share a credit summary, value estimate and income through the partner portal.
- 2
Get a readiness report
Payoff plan, projected DTI and CLTV, and the best exit path in [48 hours].
- 3
Underwrite both loans
Bridge and exit loan documented together, so the exit can close fast.
- 4
Close & pay off
Funds go straight to the card issuers on day one.
- 5
Rescore & exit
You close the exit loan, if you offer it, in about six weeks.
What to upload
- Credit report or score summary, with borrower consent
- Current mortgage statement
- Credit card statements for balances to pay off
- Income: 30 days of pay stubs, 2 years of W-2s or returns
- Homeowners insurance declarations page
- Value estimate (AVM or recent appraisal)
What you gain
- A plan today instead of “come back in a year”
- You stay the client’s lender of record
- Status updates at [2] and [6] weeks, with borrower consent
- Compensation within federal LO comp rules