Your “not yet” clients are our specialty.
Realtors, loan officers and industry partners: send us the buyers who aren't mortgage-ready today. We work on their credit, debt, DTI and down payment so they come back to you ready to close.
Send us clients who are…
We can help- Just short on scorefor the loan program they want
- Over the DTI limitfrom car payments or revolving debt
- Carrying collectionscharge-offs or recent inquiries
- Thin on credit historyand need to build depth
- Short on down paymentand need to find assistance
Built for referral partners
- Real Estate Agents
- Loan Officers
- Builders
- Financial Advisors & CPAs
- Auto Dealers
Refer once. Get a ready buyer back.
No lost leads and no guessing where your client stands. We keep you in the loop from first call to pre-approval.
Submit the referral
Fill out the short form below with your client's details and what's holding them back. It takes about two minutes.
We build the plan
Our team contacts your client, reviews their full credit and financial picture, and maps out the fastest path to mortgage-ready.
They come back to you
You get progress updates along the way. When your client hits their target, they come straight back to you to close.
Everything between “not yet” and “clear to close.”
One partner covers credit, debt, income ratios and down payment, so you don't have to juggle five different referrals.
Build & Clean Up Credit
Credit Services
A full review of all three bureau reports, with disputes on inaccurate, outdated or unverifiable items and a clear plan to fix the rest.
Score Enhancements
Targeted moves on utilization, payment mix and account timing to push a client over the score threshold their loan program needs.
Inquiry Removal
We challenge unauthorized or inaccurate hard inquiries that drag scores down and make lenders nervous.
Authorized User Tradeline
Adds seasoned, well-managed accounts to thin or young credit files to build history and depth faster.
Resolve & Restructure Debt
Debt Management
A structured plan to organize, prioritize and pay down balances so payments and utilization stop working against the client.
Collection Debt Settlement
We negotiate with collectors to settle outstanding accounts, often for less than the balance owed, and get the outcome documented.
Arbitration
Where card agreements allow it, we help clients use arbitration to dispute and resolve debts outside of court.
Auto Loan Refinancing
Lowers high-rate car payments to free up monthly cash flow, which is often the fastest way to bring DTI back in range.
Ratios & Down Payment
DTI Improvements
We analyze the debt-to-income ratio line by line and restructure payments to bring it within lender guidelines.
Personal Loan Down Payment Assistance
Personal loan options, structured with mortgage guidelines in mind, to help clients cover the cash needed at closing.
Down Payment Assistance Programs
We match clients to the grants, forgivable loans and local or state DPA programs they're eligible for, and help them apply.
Your client stays your client.
We're the bridge between “not approved” and “closed,” not a competitor for the transaction. Every referral is handled with the same care you'd give it yourself.
We send them back
We don't compete for the transaction. Once your client is ready, they go back to you to buy or close.
You stay informed
Regular updates on where your client stands, so you know exactly when to reach back out.
One referral, every fix
Credit, debt, DTI and down payment are handled under one roof instead of across several vendors.
Fast first contact
We reach out to your client quickly after the referral, while their motivation to buy is still high.
Send us your next deal.
Tell us who you're sending and what's in their way. We'll take it from there and keep you updated.
- Takes about two minutes
- No cost to refer
- We contact your client directly
- You get updates through to mortgage-ready
Questions partners ask
Who should I refer?
Any client who wants to buy but can't qualify yet because of credit score, collections, inquiries, high DTI, thin credit or not enough for the down payment. If you're not sure, send them anyway and we'll review.
Will you send my client to another agent or lender?
No. Your client stays your client. Our job is to get them mortgage-ready and send them back to you to finish the transaction.
How will I know how my client is doing?
We'll confirm once we've made contact and send you updates as your client makes progress, including when they reach their target.
Does it cost anything to refer?
No. Referring a client to CKEXPERTS is free for partners.
How long does it take to get a client mortgage-ready?
It depends on what's on their file. Some clients need a few weeks of targeted work, others need a longer plan. We'll give you and your client a realistic timeline after the initial review.
Got a client who's almost there?
Send them our way today. We'll get them ready and send them back to you.
Refer a Client Now