Official Institutional Proposals & Program Agreements
Structured Client Proposals & Underwriting Blueprints
Select an institutional service proposal, customize the underwriting scope, and generate a legally binding HLP Client Agreement with Chekelah Phelps.
Flagship Program Timeline: 90 - 120 Days
Premier Mortgage-Ready Operating System 2026
The complete 90-day institutional blueprint to take borrowers from suboptimal credit to clear-to-close underwriting approval.
Ideal Candidate Profile:First-time buyers, families seeking FHA/VA/Conventional pre-approval, and borrowers needing rapid score optimization.
Target Score640 - 720+
Approval Timeline90 Days
Avg. Rate Savings0.75% - 1.25%
Contractual Scope of Deliverables:
Tri-Merge Classic FICO (2/4/5) & FICO 10T 24-Month Trended Audit
Custom Metro-2 Dispute Processing & Derogatory Cleanup
Front-End (28%) & Back-End (43%) DTI Optimization Matrix
Down Payment Assistance (DPA) Grant Application Packets (Texas TSAHC/TDHCA)
Underwriter Letters of Explanation (LOE) & Compensating Factor Portfolio
Direct Realtor & Preferred Lender Warm Hand-Off & AUS Pre-Submission
Chekelah Phelps Institutional Quality Guarantee
Every file is processed in strict compliance with the Credit Repair Organizations Act (CROA), Fair Credit Reporting Act (FCRA §611/§623), and Fannie Mae/Freddie Mac AUS guidelines. We maintain 100% transparency with zero deceptive claims.
Proposal Scope Customizer
$1,497Target Purchase Price:$350,000
Current Middle Credit Score:580 FICO