Transformation™ gives buyers the education, guidance and planning required to guarantee homebuying success.  "Fallout" becomes a term of the past when utilizing the proprietary 9-Step Path to Home ownership.

In the past home buying was a mysterious labyrinth of procedures, standards and regulatory requirements.  In 1908 Realtors® stepped in and helped simplify navigating the procedural and regulatory aspects of the process; however, for the past 100 years, preemptively addressing the ever dynamic mortgage lending standards remained a mystery...Until now!

Transformation™ was developed by individuals with years of experience and vast connections in the real estate and mortgage lending industries.  The strategies utilized are a combination of fundamental principles of personal finance, credit, and a unique insight into underwriting requirements and mortgage product guidelines.  Never before has an entity compiled and structured this information into a service that could be used by borrowers to structure their personal financial profiles to be in line with the underwriting standards of their mortgage product.

Transformation™ Home Buying Specialists and Operations Consultants tailor each client for the optimal mortgage product, match them with any financial assistance for which they qualify, restructure their budget and spending to meet product and underwriting guidelines as well as optimize their credit scores, negotiate and settle any derogatory collections/judgments that would inhibit approval (using proprietary techniques) and match them with a lender and Realtor® than can get the process completed expeditiously.

Transformation™ also understands that one does not truly own their home until the mortgage loan is paid in full.  Until then, the bank owns your home by way of "lien protection".  With this in mind, Transformation™ provides the second tier of services for clients, designed to eliminate several years and thousands of dollars in interest payments without the need to refinance or even spend any additional money.  On top of that we further enhance the power of our services by showing our clients how they can leverage their equity to recognize even more interest savings as well as provide some financial security for the future.

Become The ApprovalBorrowers can know what the underwriters want and groom themselves to fit that profile.

Now the time has arrived where today's borrower can wield the power and control that borrowers have held in the past.  Borrowers now have the opportunity to become the investment that the bank seeks.They have the unprecedented ability to know what the underwriters want in an investment and to tailor and groom themselves to fit that profile.  This is a benefit that only Transformation™ can provide.

The process can take place in as little as 90 days (sometimes faster) and no longer than 18 months (for clients with significant debt/credit issues).  Most clients find themselves in their home in approximately 120 days.  Even those clients who initially thought they could never qualify for a home because of past credit mistakes or very low credit scores.

Clients with recent bankruptcies, repossessions and foreclosures can still qualify for a home loan.  All it takes to own your home is gainful employment (at least 12 months in the same field of work/profession), correct information (regulations, guidelines and qualification standards), a feasible financial plan (budget oriented) and commitment (self-discipline).

If you provide the employment and commitment then Transformation will provide the rest!