Monthly Coaching

Our Commitment to You

• Monthly Coaching — First-Time Homebuyer

  Course required (one-time): $297 — Pathway to Homeownership
  Coaching: $50/month
  Tools paid by client to providers: MyFICO 3B Advanced ~ $29.95/mo; Monarch ~ $9/mo
  Typical combined monthly cost: ≈ $95 for 3–6 months (varies by profile)

  What You Get

  • Initial review: We go line-by-line through your MyFICO 3B report and your Monarch budget (client-authorized).
  • Personalized plan: Which debts to tackle, which accounts to add, and how to align utilization & DTI with lender standards.
  • Monthly check-ins: Track progress, adjust your plan, and stay accountable.
  • Lender Match included free: If you were referred, we reconnect you to your partner; if not, we’ll match you with 3–5 lenders that fit your profile.

  
  Important: Education starts with the $297 course. Mortgage-Ready status is issued only through coaching after your budget information is confirmed.

  Price summary: $50/month + $297 one-time course fee

  
  

 “Upward Credit Solutions: We diagnose your financial health, prescribe your plan, and guide you to lender readiness.”

Security note:
We ask for the last 4 digits of your SSN for identity verification only — never the full SSN. This helps us confirm your enrollment, prevent duplicate records, and link your progress securely.

Your last 4 is also used to track your journey with lenders:

• When you join our program.
• When you become lender-approved.
• When you close on your loan or purchase a home.

This ensures we can measure the effectiveness of our program, while your information remains encrypted, stored securely, and never shared outside of this purpose.