Turn Denied Buyers Into Funded Contracts.
Over 60% of turned-down mortgage applicants can reach loan-readiness within 45 to 90 days. Partner with Chekelah Phelps and HLP Credit Solutions Corporation to salvage dead pipeline files, protect buyer representation, and close more transactions with guaranteed return covenants.
1,000+
Mortgage Approvals
$15M+
Grants Matched
100%
No-Poach Guarantee
Chekelah Phelps
Founder & CEO, HLP Credit Solutions
The “Return to Originator” Covenant
We sign a strict covenant: When your client crosses the 640+ underwriting threshold, we hand them directly back to YOU to write the purchase contract or originate the loan.
Weekly Pipeline Transparency
Track dispute progress, mid-score updates, and estimated approval dates in real time through our dedicated Partner Portal.
4 Specialized Partnership Programs
Custom operational integrations designed for real estate brokerages, mortgage lenders, housing authorities, and enterprise employers.
Real Estate Brokerages
Turn dead open-house leads and turned-down purchase contracts into closed commissions within 45-90 days.
- Co-Branded Lead Capture URLs
- Zero-Poach Guarantee
- Office Lunch & Learn Seminars
Mortgage Loan Officers
Rapid Rescore simulations, underwriter LOE packets, and Metro 2 factual deletions to clear DTI & FICO hurdles.
- Desktop Underwriter (DU) Target Alignment
- Direct File Status Webhooks
- Rapid Rescore Guidance
Housing Authorities & Grants
Pre-screening applicants for TDHCA, TSAHC, Dallas DHAP, and Tarrant County DPA programs up to $50,000.
- Income & Area DPA Pre-Screening
- HUD-Aligned Financial Literacy
- Summit Series Workshops
Employer Benefit Contracts
B2B corporate financial wellness benefits, employee mortgage counseling, and executive credit architecture.
- Group Employee Workshops
- 1-on-1 Confidential Advisory
- Corporate Wellness Tax Deductible
How Much Commission Are You Leaving On The Table?
Calculate the annual gross commission income recovered by restoring your turned-down credit files through HLP Credit Solutions Corporation.
By recovering 36 turned-down buyers per year at an average commission of $10,500 per closing.
Create Your Custom Partner Referral Link
Generate a unique referral link for your email signature, MLS flyers, or SMS follow-up. When your clients sign up through your link, they are automatically tagged to your partner profile in our Mansfield CRM.
Why Top Texas Real Estate Teams Partner With HLP
Exclusive Client Lock & Protection
When you refer a client, they are legally mapped to your contact record. We NEVER refer your client to competing brokers.
Texas Down Payment Grant Matching
Chekelah matches your buyer to programs unlocking up to $15,000–$50,000 in grants (TDHCA, TSAHC, DHAP), reducing buyer cash-to-close hurdles.
Underwriting-Grade LOE Letters
We craft formal Letters of Explanation that resolve underwriter inquiries, late payment gaps, and collection disputes.
Co-Branded Homebuyer Seminars
Chekelah Phelps co-hosts live Financial Literacy Summits and Lunch-and-Learns for your brokerage or client base.
Submit a Client for Immediate Underwriting Audit
Send your turned-down buyer’s details directly to Chekelah’s senior dispute team in Mansfield, Texas. We will initiate contact within 2 hours.
Host a “Mortgage Turn-Down Rescue” Lunch & Learn
Have Chekelah Phelps speak directly to your sales team on how to structure buyers for Texas grants, rapid re-scoring, and Metro 2 compliance.