Do you want to buy a home but bad credit or credit challenges are holding you back?

There's No Place Like Home Homebuyer's Club (TNPLH)

offers the education and resources you need to improve your credit score and turn your homeownership dreams into reality

Bad credit CAN be improved!

So you’re ready to find your dream home, but sadly, your credit is not. Unfortunately, not all homebuyer's will get approved for a mortgage loan the first time around. Did you know your mortgage loans can be denied for any number of reasons? Perhaps you suffered a hardship or changed jobs. Or possibly you spent unwisely in your earlier years, not realizing the effect it would have later. Maybe you were unaware of discrepancies in your credit report, altogether. Not to worry, bad credit CAN be improved!

I can help you:

• Systematically analyze your current credit

• Address any inaccurate information on your credit report

• Build a strategy to help improve your credit score in months, not years!

Let me guide you through improving your credit and greatly increasing your chances of homeownership!

Click here to learn more

When It Comes To Getting a Mortgage...

Every homeowner had to start somewhere.

We aren’t born with good or bad credit. We earn a credit score based on many personal variables over time. At TNPLH, we teach you what your credit score is, how to read your credit report, and how to proactively monitor your activities so that you increase your score and improve your credit opportunities.

Why work with me?

I Understand What It’s Like! I didn’t always understand how credit affected my life, but I’ve learned what works and what doesn’t. I can help you get your credit back on track too!

Rule Number One: Know your credit score and read your credit report.

That is advice I wish I had before I was turned down … twice. Honestly, I had no business filling out a loan application. I was so naive about personal finances. I had no idea what was required to get a mortgage loan. I had no clue that I needed to have money saved. And I certainly didn't know that I needed a good credit score. The truth is (don't judge) I thought only rich people had credit scores. So, you can imagine my excitement when the Lender said that mine was 535. Prouder than a peacock I asked the loan officer, "where do I sign?". All he could say was, "nowhere, you don't qualify".

My passion to help others achieve their dream of homeownership.

Now, I have turned my “learning experience” into my passion! I'm going to teach you in months what took me years to figure out!

Talking finances and credit can be stressful (and embarrassing), it was for me. That is why you aren't just a number to me; you are important, and I care about helping you become the most credit-worthy homebuyer and reaching your dream of owning a home. I take the stress out of the process and as your credit coach I will personally:

• oversee the dispute process with creditors & debt collectors

• help correct discrepancies with consumer reporting agencies

• recommend credit building products to boost your score

• help you budget to decrease debt, increase savings and

• help find preferred lenders to get you qualified to buy a home

Buying a home is still the American dream. Finding someone willing to lend you the money for it, doesn't have to be a nightmare.

Become A Member

Finding the perfect home is still the American dream.

Finding someone willing to lend you the money for it, doesn't have to be a nightmare.

Become A Member

Your Membership Includes

A written credit analysis.
Monthly credit building, including suppression letters.
Monthly video updates, including any next steps.
Recommendations for credit building products.
A one-on-one budget and credit coaching session for up to 120 minutes.
A Money Habitude game to determine your financial personality.
Ongoing financial education via email.
Student loan coaching.
A video review of your FICO credit report prior to applying for a mortgage loan.
A referral to a TNPLH Network Lender and Realtor
An A to Z First-Time Homebuyer's Guide.
A First-Time Homebuyer's Roadmap.
An opportunity to enroll in a self-paced homebuyer's course
An opportunity to purchase a comprehensive TNPLH first-time homebuyer's guide.
A TNPLH congratulations on becoming a homeowner gift.

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HOW IT WORKS

Step 1

Sign Up

We give you a free credit consultation and analysis while we work with you to identify any negative items that are hurting your score.
Step 2

We Do the Work

We use proven disputing tactics and strategies to challenge negative items on your credit report with the credit bureaus and educate you on how to use credit properly to speed the credit improvement process up.
Step 3

Get Results

Every 30-35 days, we update your encrypted portal with your credit improvement results. The portal available to you all through this process means that you are part of the entire process. Nothing is done without you. We educate you on the Knowledge to use Credit Wisely and maintain a good credit score.
Step 4

Education

In our Education Center, we provide you with information on financial topics like credit repair, building credit, mortgages, personal loans, credit cards, interest rates, and so much more!
Step 5

Meet The Team

You will be introduced to a There's No Place Like Home Lender and Realtor. The lender will assist in applying for a VA, FHA, USDA, or Conventional Loan. Once approved, the Realtor will help you find the house you'll make a home. They can also talk to you about a lease-to-own purchase. Your TNPLH lender and Realtor will provide ongoing support and guidance to ensure that your loan closing goes smoothly and you get the keys to your new home!

CLIENT REVIEWS

"Thanks to Ms. Dolores we are preapproved through a few lenders."

"They started on my new home."

"...I am meeting with my builder tomorrow evening. I am so excited to discuss what my brand NEW house will look like inside. Thank you so much! I'll always tell others about you, but unfortunately, their mindsets must be ready."

"..I will be closing on my First Home in a few weeks!! Your program truly works! The budget counseling and understanding your credit scores was the best money I ever invested in with There's No Place Like Home. Joining the club truly gave me HOPE for a much brighter future! Thank you."

"Good morning Ms. Dolores I'm just letting you know that I will be closing on March 20th."

"We got approved! And we got the house we were going for."

"I was approved for a house. We will probably apply in February so we can have more money with our down payment . Thank you for everything!"

"When I started working with Dolores Sherman my credit was a mess but within 6 to 9 months my credit is near 700 score. Now I'm on the road to getting approved for a home loan and obtaining a home of my own. Than you for your help!"

Buying a home is one of the most significant purchases in a lifetime. Therefore, it is essential to have an experienced team in your corner, always looking out for your best interest.

Ask about our FREE referral program to experienced, local Mortgage Loan Officers and Realtors ready to assist!

Buying a home is one of the most significant purchases in a lifetime. Therefore, it is essential to have an experienced team in your corner, always looking out for your best interest.

Ask about our FREE referral program to experienced, local Mortgage Loan Officers and Realtors ready to assist!