Mortgage-ready in 90 days. Paid when the work is done.
$2,499, billed on completion of the written scope of work — never at signup. No credit pull to start, and we’re not paid at closing, so our only incentive is your file7.
The 90-day programme
- Days 1–7Full tri-merge audit; every item that could hurt underwriting is mapped.
- Days 8–45Dispute round one, plus paydown sequencing so balances fall in the right order.
- Days 46–75Dispute round two on anything that survived round one.
- Days 76–85Utilisation timed to your card reporting dates; disputes stopped so nothing shows 'in dispute' at underwriting.
- Days 86–90Written summary to you and your loan officer — then, and only then, the invoice.
What we do vs what your loan officer does — free
We never take a loan application, and we never charge for anything your loan officer already does at no cost to you.
| McKenzie Adams ($2,499, on completion) | Your loan officer (free to you) |
|---|---|
| Audit the credit file and run statute-based disputes | Pull tri-merge credit for the application (free to you) |
| Sequence paydowns and time utilisation to reporting dates | Order a rapid rescore if the lender needs updated scores |
| Stop disputes before underwriting so nothing is flagged | Run the loan application, DU/LP and pricing |
| Deliver a written summary of what changed and why | Advise on loan programmes, rates and structure |
A rapid rescore is ordered by the lender; its cost cannot lawfully be passed to you, so it is not — and can never honestly be — part of a consumer-priced package.
Behind on the mortgage you already have?
That’s a different problem with different rules. Loan modification assistance is $1,495 or one month’s principal and interest, whichever is less — charged only after your servicer makes a written offer and you accept it15.
Order the programme — pay when it’s done
Placing the order costs nothing today. You’ll receive the written scope of work as an agreement to e-sign; the 90 days start when you sign, and the $2,499 invoice exists only when the scope is complete.
- Order online — no payment collected at signup
- Scope-of-work agreement arrives for e-signature
- Work begins the day you sign; invoice on completion
Check your options
Secured- Your goal
- Your state
- Contact
What are you working on?
Pick the closest fit. No personal details needed yet.
The reviews are in
Meet the people getting their finances back on their terms
Rated 5.0 across 32 reviews on Google. Read all 32 reviews
★★★★★
“My experience was very good customer service and professionalism. They kept me involved for every step of my process so that was very comforting.”
Kien H.
GOOGLE LOCAL GUIDE
via Google
★★★★★
“McKenzie Adams showed all type of professionalism and they delivered as promised. This team went out of their way to ensure everything went through for me.”
Hussain B.
GOOGLE REVIEW
via Google
★★★★★
“Their professionalism was top notch, very amazing customer service. Will definitely refer clients to you guys.”
Gerald I.
GOOGLE REVIEW
via Google
★★★★★
“My only regret is that I did not come to McKenzie Adams sooner. I tried to get do PPP online by myself. It was a nightmare.”
Dan S.
GOOGLE REVIEW
via Google
Frequently asked questions
What does mortgage preparation cost and when do I pay?
The programme is $2,499, billed only on completion of the written scope of work at the end of the 90 days — never at signup. There is no deposit and no monthly charge.
Do you pull my credit to start?
No. The programme starts with no credit pull. We work from reports you provide or authorize, and your loan officer pulls credit for the actual application.
Is a rapid rescore included?
No, and no honest company can sell you one. A rapid rescore is ordered by the lender, and its cost cannot lawfully be passed on to you as the consumer. What we do is get your file into the state where a rescore — if the lender orders one — shows the improvement.
Is mortgage preparation a credit repair service?
Yes. Because it includes credit-file dispute work, it is a credit repair service under the Credit Repair Organizations Act, with all CROA rights: written disclosure before signing, a 3-business-day cancellation right, and no fee before services are performed.
Related: Credit Health · Debt Relief · all pricing · state availability