"Fallout" Becoming a Thing of the Past

Transformation™ has been recovering and preventing fallout since 2001. Our proprietary "Budget-based" system hasn't failed a single client. In the near future the idea of "fallout" may be a distant memory.

All it takes to own your own home is gainful employment (at least 12 months in the same field of work), 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!

Banks make money by investing.  The bank WANTS to invest in you!  The reason the mortgage lending process is so difficult is two fold.  The first reason is a history of predatory lending.  We won't get into that at this time.  The second and most relevant reason is risk-assessment.  Your lender needs borrowers who are responsible and committed to meeting their obligations.  No mortgage company wants to run the risk of attempting to sell a foreclosed home at the auction (especially if property values have decreased).  The lender "banks" their return on investment based on the interest that you will pay on your loan as long as the note is outstanding.  After a good payment history, most banks will actually sell your mortgage on the "secondary market".

So, what does this have to do with "fallout"?  Everything!

Financial ProfileTransformation grooms your financial profile for underwriting so that your loan is approved.

Borrowers "fallout" of the lending process because the underwriter deemed the risk on that investment as too high.  There are many factors that go into this risk assessment and some of them are not so intuitive.  It goes beyond just demonstrating that you can pay your bills on time.  The underwriter weighs many things, including the qualifying debt/income ratios for your mortgage product, judgments, collections, employment stability, credit scores, types and variety of credit, down payment, savings, income, the property itself (not simply the value) and even your degree of documentation.  When things become "iffy" the underwriter then begins to look for "Compensating Factors".

Transformation™ was developed by individuals with years of experience and insight in the mortgage industry and is facilitated in partnership with individuals and entities currently working in the industry.  We know what the lenders want to see in order to approve your loan and we specialize in grooming your financial profile to fit those standards.

Transformation™ is not a credit repair company.  If you are looking to take the "shotgun" approach by trying to merely delete derogatory statements from your credit file then Transformation™ is not for you.  You will more than likely have to end up looking for a service like Transformation™ anyway, as credit repair "strategies" are only successful for 1 in 4 people; plus ANY indications of your credit report having been doctored with erroneous disputes automatically disqualifies your approval at most lenders these days.  Transformation's™ consultants will be able to fix any mess made by credit repair or debt consolidation companies, but you would have wasted valuable time and the qualification process will be further delayed.

Transformation™ specializes in "Financial Profile Re-structuring", primarily for the purposes of mortgage qualification.  Our proprietary budget-oriented strategies will have you in your home in as little as 90 days and a maximum of 18 months, guaranteed.  Transformation™ works if you have recently "fallen out" or (even better) if you would like to prevent "falling out" of the pre-approval and underwriting process.