Master the Path to Homeownership & Prime Credit
Taught directly by Chekelah Phelps, CEO of HLP Credit Solutions. An 8-module comprehensive curriculum designed to take you from credit repair to mortgage pre-approval and generational wealth.
Master Modules
In-Depth Lessons
Structured Path
Chekelah Phelps
CEO & Founder, HLP Credit Solutions
The 8-Module Mortgage Roadmap
Credit Scoring Anatomy & Tri-Merge Mastery
Understand how mortgage underwriters pull tri-merge credit reports, how the middle score is selected, and how 24-month trended data impacts your pre-approval.
Metro-2 Dispute Engineering & Derogatory Cleanup
Learn the exact factual disputing framework to legally challenge unverifiable collections, late payments, and charge-offs before submitting your mortgage application.
Mortgage Loan Programs & AUS Underwriting
Deep dive into Automated Underwriting Systems (Fannie Mae Desktop Underwriter & Freddie Mac Loan Product Advisor), loan-to-value limits, and guidelines.
DTI Calculations & Cash-to-Close Mathematics
Master the mathematical formulas used by loan officers to calculate your maximum purchasing power, student loan amortizations, and cash reserves.
Down Payment Assistance (DPA) & Texas Grants
Access municipal down payment assistance grants, TDHCA programs, TSAHC grants, and mortgage credit certificates (MCC) to reduce out-of-pocket costs.
ITIN Homeownership & W-7 Credit Architecture
Dedicated roadmap for ITIN holders and Hispanic entrepreneurs to build secondary market credit files, secure portfolio mortgages, and buy property.
Realtor Negotiation & Underwriting Submission
Step-by-step guidance on navigating property appraisals, home inspections, seller concessions, and final underwriter condition sign-offs.
Generational Wealth & Real Estate Stewardship
How to manage your post-purchase mortgage, leverage property equity for commercial growth, and build generational financial freedom for your family.