Monthly Coaching

Our Commitment to You

Monthly Coaching — Refinance/Existing Homeowner

Course Fee: Not required for existing homeowners
Coaching: $150/month
Tools (paid separately): MyFICO 3B Advanced ~ $29.95/mo; Monarch ~ $9/mo
Typical combined monthly cost: ≈ $190 (varies by profile)

What You Get

• Initial review: A full check of your MyFICO 3B report and Monarch budget to see the big picture.
• Personalized plan: Guidance on which debts to restructure, which accounts to optimize, and how to position yourself for stronger loan terms.
• Monthly check-ins: Guided coaching to adjust your credit and budget strategy as life changes.
• Lender Match included free: If you were referred, you’ll be reconnected to your partner; if not, we’ll connect you with 3–5 lenders who fit your profile.

Important: Lender-readiness status is only issued through coaching once your budget and strategy are confirmed.

Price summary: $150/month

“We provide structured financial coaching to help you understand your credit, budget, debts, and documentation so you can better position yourself for stronger financial opportunities..”

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.

Monthly coaching is educational and guidance-based. UCS does not provide legal, tax, accounting, lending, underwriting, credit repair, or financial advisory services. UCS does not guarantee approval, funding, refinancing, credit score improvement, better loan terms, or any specific financial outcome.