We recently had a closing with a client named Veronica. She had a 589 credit score when we first saw her. We improved her credit to a 657 – 68 points in 60 days. She bought a house for $357,500.00 and all the funds she used to purchase the property (total cash out of pocket for down payment, closing costs, insurance, etc) was $15,861.00. Her rate was the same as published by major banks like Bank of America and Wells Fargo for the day we locked the loan.