There is so much information out there on how to fix your credit and it can very overwhelming. Finding people who can help can be just as frustrating. We want to empower you to start the road to improving your credit and achieving financial success.

With the Smart Start Credit Recovery Program, we help you improve your financial literacy. We have FREE credit counseling for those who need it. If you are wanting to get into a home or just improve your credit to get good interest on your credit card or loans then schedule a call with us.

If our Free credit counseling, we will discuss your long and short-term goals so we can better align with the goals you want to achieve. However, with the FREE credit counseling, we do not dispute items on your report however we can direct you to credit repair company that can assist you.

If you are interested in FREE credit counseling and want to stop by a take in all the wonderful information in the FREE 35 min class on financial literacy and how your credit can affect you on getting a mortgage. Then please click on the link below, It will take you to the webinar and or the calendar link to schedule a call with us.

We look forward to seeing you on the other side.

ITIN Home Loan Program

Programa de préstamo hipotecario

No Social Security Number?

¿Sin número de seguro social?

No Problem!

¡No hay problema!

Individual Tax Identification Numbers (ITIN) are given to U.S. Residents who do not have citizenship but live and work in the United States. Do you have an ITIN? You may be eligible to purchase a home or refinance your property!

Los números de identificación fiscal individual (ITIN) se otorgan a los residentes de EE. UU. que no tienen ciudadanía pero viven y trabajan en los Estados Unidos. ¿Tienes un ITIN? ¡Puede ser elegible para comprar una casa o refinanciar su propiedad!

Loan Benefits for Non-Citizens with an ITIN

Beneficios de préstamos para no ciudadanos con un ITIN.

• No Social Security Number Needed (No se necesita número de seguro social)
• Self Employed Income OK (trabajador independiente OK)
• Up to 80% LTV
• Quick Closing (Cierre Rápido)
• Use W2, Business/Personal Bank Statements, 1099, or CPA Income (Usas W2, Extractos Bancarios Comerciales/Personales, 1099 o ingresos de CPA)
• Credit Scores as low as 660 (Puntajes de crédito tan bajos como 660)

Schedule A Call With The Guiding Light Group

Programe Una Llamada Con El Grupo de Luces De Guía

OR

Fill Out The Form Below

Rellene el Siguiente Formulario

Hi my name is Ameerah

I am a loan officer at Groves Capital and part of an awesome team. The Guiding Light Group is here to assist you. We truly want to help you get into a home. If you would like to know the requirements on how to purchase your next home and you are ready to start the process then contact us.

Ameerah Rounds – Loan Officer w/ Groves Capital

NMLS #1939069

www.nmlsconsumeraccess.org

Brokered through Groves Capital

NMLS # 1678775

4025 Stonebridge Ln
Rancho Santa Fe, CA 92091
Phone: 1-888-611-0998

Ameerah Rounds – Licensed Real Estate Agent

TX Agent #0591251

Keller Williams DFW Preferred

1199 Beltline Rd. #103

Coppell, TX 75019

972-350-5000

Approved States For Loan Programs

AR, AZ, CA, CO, FL, HI, ID, NJ, OH, OR, PA, SC, TN, TX, VA, WA, WY

AMEERAH ROUNDS, RESIDENTIAL MORTGAGE LOAN ORIGINATOR, 1939069, GROVES CAPITAL, INC.,4025 STONEBRIDGE LANE, RANCHO SANTA FE, CA, 92091. RATES VARY. SUBJECT TO BORROWER AND LENDER APPROVAL.

*Keller Williams is not associated with Every Possibility LLC or its affiliates

*Information About Broker Services I Consumer Protection Notice

Cash Flow Loan Program

Work With The Guiding Light Group at Groves Capital

Or Fill Out The Form Below

Ameerah Rounds – Loan Officer w/ Groves Capital

NMLS #1939069

www.nmlsconsumeraccess.org

Brokered through Groves Capital

NMLS # 1678775

4025 Stonebridge Ln
Rancho Santa Fe, CA 92091
Phone: 1-888-611-0998

Ameerah Rounds – Licensed Real Estate Agent

TX Agent #0591251

Keller Williams DFW Preferred

1199 Beltline Rd. #103

Coppell, TX 75019

972-350-5000

Approved States For Loan Programs

AR, AZ, CA, CO, FL, HI, ID, NJ, OH, OR, PA, SC, TN, TX, VA, WA, WY

AMEERAH ROUNDS, RESIDENTIAL MORTGAGE LOAN ORIGINATOR, 1939069, GROVES CAPITAL, INC.,4025 STONEBRIDGE LANE, RANCHO SANTA FE, CA, 92091. RATES VARY. SUBJECT TO BORROWER AND LENDER APPROVAL.

*Keller Williams is not associated with Every Possibility LLC or its affiliates

*Information About Broker Services I Consumer Protection Notice

Link to the Protected By The Digital Millennium Copyright Act of 1998

https://www.copyright.gov/legislation/dmca.pdf

Work With The Guiding Light Group at Groves Capital

580 Credit Score Program

This is an FHA Mortgage that allows borrowers with lower credit scores to get into a home. Many people believe that if you have a lower credit score that automatically disqualifies you to purchase a home. Well, this is wrong?

With an FHA Mortgage, you can still be able to qualify for a loan even if you have a few blemishes on your credit report and we work specifically with mortgage institutions that will allow a 580 credit score.

With most lenders, you will have to qualify with a higher credit score. This can be frustrating for you the borrower if your credit score does not meet their requirements.

We would like to help! With the threshold lowered people with not so perfect can still qualify for a home loan. Schedule a call with us to see if you qualify.

What is FHA?

*A Federal Housing Administration (FHA) loan is a home mortgage that is insured by the government and issued by a bank or other lender that is approved by the agency. FHA loans require a lower minimum down payment than many conventional loans, and applicants may have lower credit scores usually required

The FHA loan is designed to help low- to moderate-income families attain homeownership. They are particularly popular with first-time homebuyers.

KEY TAKEAWAYS

• The federal government insures FHA loans.
• Because they are insured, banks are more willing to loan money to homebuyers with relatively low credit scores and little cash, as low as 3.5%, to put down on the purchase.
• First-time homebuyers may find that an FHA loan is the most affordable mortgage option.
• Even if you had a bankruptcy or foreclosure in the past you may still be able to qualify for a mortgage

How Do I Qualify?

*Your mortgage professional will evaluate your qualifications for an FHA loan as it would any mortgage applicant, starting with a check to see that you have a valid Social Security number, reside lawfully in the U.S., and are of legal age (according to your state laws).

FHA loan criteria are less rigid in some ways than a bank’s loan criteria. However, there are some more stringent requirements.

Whether or not it’s an FHA-guaranteed loan, your financial history will be examined when you apply for a mortgage.

Here is a list of SOME of the requirements:

Please contact us to see if you qualify. Criteria are subject to change

• Credit score 580 or higher for the minimum down payment of 3.5% – 10% depending on overall credit and income.
• Bankruptcy must be at least 1 year old for chapter 13 and 2 years for chapter 7
• Must have a work history of at least 2 years with no gaps. You can qualify under special circumstances.
• Must occupy the home for at least 1 year
• Can have a few blemishes on your credit report
• Contact us for a full thorough evaluation.

Work With The Guiding Light Group at Groves Capital

*source: Investopedia

Ameerah Rounds NMLS #1939069

www.nmlsconsumeraccess.org

Brokered through Groves Capital

NMLS # 1678775

4025 Stonebridge Ln
Rancho Santa Fe, CA 92091
Phone: 1-888-611-0998

Approved States

AR, AZ, CA, CO, FL, HI, ID, NJ, OH, OR, PA, SC, TN, TX, VA, WA, WY

AMEERAH ROUNDS, RESIDENTIAL MORTGAGE LOAN ORIGINATOR, 1939069, GROVES CAPITAL, INC.,4025 STONEBRIDGE LANE, RANCHO SANTA FE, CA, 92091. THE PRINCIPAL AND INTEREST PAYMENT ON A $203,500 30-YEAR FHA FIXED-RATE LOAN AT 3.625% AND 96.5% LOAN-TO-VALUE (LTV) IS $1,087.14. THE ANNUAL PERCENTAGE RATE (APR) IS 4.716% WITH AN ESTIMATED FINANCE CHARGE OF $5,600. PAYMENT INCLUDES A ONE-TIME UPFRONT MORTGAGE INSURANCE PREMIUM (MIP) AT 1.75% OF THE BASE LOAN AMOUNT AND A MONTHLY MIP CALCULATED AT 0.85% OF THE BASE LOAN AMOUNT. THE 0.85% MONTHLY MIP IS REQUIRED FOR A SPECIFIC PERIOD OF TIME REGARDLESS OF YOUR DOWN PAYMENT OR EQUITY IN YOUR HOME. THE PRINCIPAL AND INTEREST PAYMENTS, WHICH WILL CONTINUE FOR 360 MONTHS UNTIL PAID IN FULL, DO NOT INCLUDE TAXES AND HOME INSURANCE PREMIUMS, WHICH WILL RESULT IN A HIGHER ACTUAL MONTHLY PAYMENT. RATES VARY. SUBJECT TO BORROWER APPROVAL.

Resources

Credit Monitoring Resource

Smart Credit Monitoring

Smart Credit Monitoring

Credit monitoring on Transunion and access to 1 FREE 3B credit report for all 3 bureaus.

While reviewing your full vantage credit report throughout the year this monitoring service is a great way for you to stay on top of your credit. You can also stay on top of your financial information all in one place.

With a credit monitoring service you can trust, not only will you be able to receive your credit reports and scores easily, but you will also be notified of any suspicious or unauthorized activity that occurs on your credit report. You will have access to the following and much more.

Check Out This Website For Additional Details

Score Tracker

Lets you stay on top of your credit that is being monitored through Transunion. It keeps track of previous scores and you can see different scores for different industries like your main credit score, auto scores, insurance scores, and hiring risks based on your credit report.

Money Manager

Allows you to connect your account information and keep track of your monthly bills. You get live alerts sent to your smart device on when your payment is due. You can also receive alerts when exceeding the set spending limits you set within the Money Manager app along with 1 Million dollars Fraud Protection for your family.

Score Master

Allow you to evaluate your credit and see what can impact your credit. Not only can you see want negatively impacts your credit but what can improve it as well.

Score Builder

Is a great program that gives you 120 plan that is tailored to your credit. You can use this system to communicate directly to the creditors to negotiate, report an error or send goodwill letters.

myFICO

My Fico

Is a great credit monitoring application where you can get access to your FICO scores. FICO scores are mainly used by lenders especially if you are acquiring a mortgage. You can access all 3 bureaus along with different versions. Such as auto which may use FICO 8 and credit cards may use FICO 9

When you have access to all the versions and see how your credit will be affected according to the industry. You can better monitor and improve your credit based on what you are applying for.

Click HERE to Gain Access to myFICO

Identity IQ

Identity IQ

Is another good credit monitoring software that gives you a 7-day trial for $1. With this software, you get access to all 3 credit reports under the vantage credit model. You can also receive daily alerts for activity done on your credit report.

You can have access to fraud alerts and receive identity theft protection to help minimize your expenses. Such as $25,000 ID theft coverage, funds stolen from the unauthorized electronic transfer, legal fees, and up to $500 a week for 4 weeks of wage losses from resolving stolen identity. All with a $0 deductible.

Click here for more amazing features with IDIQ

Score Caster IQ

Score caster is a great feature product with IDIQ it goes beyond credit reporting and score simulation.

It gives you a customized analysis with highlighted features and gives specific recommendations on what can improve and negatively impact your credit.

Legal Forms Resource

Eforms

eForms

eForms is a popular legal document creation website. They have a wide range of documents like residential lease agreements, Power of Attorney (POA), Eviction Notices, and more. This website also has documents for businesses and it can be categorized by state.

This does not substitute for legal advice so you may want to have an attorney look over the document to make sure it applies to your situation and the state you live in.

If you are looking for some simple documents then this may be a great fit. Take a look around this website because there are a lot of FREE documents to customize and download.

Click Here To Gain Access To This Website

Rocket Lawyer

Rocket Lawyer

With Rocket Lawyer you can create documents in minutes. Just like eForms, they have a ton of legal documents you can create for FREE. Rental Agreements, Living trust, and tons of documents for starting a business.

You can also get legal advice from the “Ask a Lawyer section> You can talk about contracts, marriages, estate planning, and legal matter for medical and health.

They made sure you have everything all in one location. Click the Link Below To Visit The Website.

Rocket Lawyer

Financial Tracking Resources

Quicken and Simplifi

Quicken and Simplifi

With Quicken & Simplifi, you can manage your finances, create a custom comprehensive budget, track your investments and plan for retirement – all in one place.

With Quicken you can track all your expenses in a single dashboard and connect to over 14,000 financial institutions. While tracking your expenses you can create and manage spending categories that works for you.

You can personalize your budget to fit your short and long term goals. With Quicken you can monitor your budget across multiple devices.

Click Here To Learn More

Resources To Help You Sell Your House Fast

We’ve compiled some resources on this page to help you sell your house fast or save you from foreclosure. We work with homeowners every day who need to sell their house but can’t do it the traditional route through a real estate agent… and people going through foreclosure. So, use us as a resource too. We’d be glad to answer your questions, help you better understand your options, and walk you through how our “home buying” service works… where we’ll make you a fair no-obligation, no-hassle offer. It’s simple, straightforward, and just may be perfect for you.

Check out these resources and links below…

Free Guide: The Pros and Cons Of Selling A House To A Professional House Buyer – We wrote this guide this year to walk through your 3 options when you need to sell your house. 1) Working with an agent. 2) Selling it yourself. 3) Selling to a real estate investor. This guide will tell you the pros, cons, costs, and timeline associated with each option… and it’ll show you which options make sense in what situations. Download the guide free here <<

Washington Post Article On Selling To A Real Estate Investor – Good solid article walks through how it works to sell to a real estate investor. They’re spot on with their recommendation to make sure you look for an investor who can deliver on their promise (some investors may not be able to close on their offer. Every offer we make we back up by being able to close on that offer.)

Foreclosure Resources and Information –

FDIC Foreclosure Prevention Information – The FDIC is a government entity and created a great resource and “Foreclosure Prevention Toolkit”. If you’re in foreclosure check it out.

Foreclosure Prevention Guide – The Urban Affairs Coalition has a great foreclosure prevention guide to walk you through the foreclosure process.

5 Ways To Stop or Avoid Foreclosure In Today’s Market – FREE Guide:

Need more information on the foreclosure process and How To Stop Foreclosure? Download our FREE Stop Foreclosure Guide here. Or, you can always feel free to Contact us anytime if you have questions, want a no hassle Situation Evaluation, or want to just learn more about how we can help homeowners avoid foreclosure or sell unwanted properties for cash.

Last updated: February 11, 2026

Please read these terms and conditions carefully before using Our Service.

Interpretation and Definitions

Interpretation

The words of which the initial letter is capitalized have meanings defined under the following conditions. The following definitions shall have the same meaning regardless of whether they appear in singular or in plural.

Definitions

For the purposes of these Terms and Conditions:

Affiliate means an entity that controls, is controlled by or is under common control with a party, where “control” means ownership of 50% or more of the shares, equity interest or other securities entitled to vote for election of directors or other managing authority.

Country refers to: Texas, United States

Company (referred to as either “the Company”, “We”, “Us” or “Our” in this Agreement) refers to Smart Start Credit Recovery Program and Every Possibility LLC, 3626 N. Hall St. Ste 610, Dallas, TX 75219.

Device means any device that can access the Service such as a computer, a cellphone or a digital tablet.

Service refers to the Website.

Terms and Conditions (also referred as “Terms”) mean these Terms and Conditions that form the entire agreement between You and the Company regarding the use of the Service. This Terms and Conditions agreement has been created with the help of the Terms and Conditions Template.

Third-party Social Media Service means any services or content (including data, information, products or services) provided by a third-party that may be displayed, included or made available by the Service.

Website refers to Smart Start Credi Recovery Program, accessible from http://www.sscr-program.com and https://www.everypossibility.net

You means the individual accessing or using the Service, or the company, or other legal entity on behalf of which such individual is accessing or using the Service, as applicable.

Acknowledgment

These are the Terms and Conditions governing the use of this Service and the agreement that operates between You and the Company. These Terms and Conditions set out the rights and obligations of all users regarding the use of the Service.

Your access to and use of the Service is conditioned on Your acceptance of and compliance with these Terms and Conditions. These Terms and Conditions apply to all visitors, users and others who access or use the Service.

By accessing or using the Service You agree to be bound by these Terms and Conditions. If You disagree with any part of these Terms and Conditions then You may not access the Service.

You represent that you are over the age of 18. The Company does not permit those under 18 to use the Service.

Your access to and use of the Service is also conditioned on Your acceptance of and compliance with the Privacy Policy of the Company. Our Privacy Policy describes Our policies and procedures on the collection, use and disclosure of Your personal information when You use the Application or the Website and tells You about Your privacy rights and how the law protects You. Please read Our Privacy Policy carefully before using Our Service.

Links to Other Websites

Our Service may contain links to third-party web sites or services that are not owned or controlled by the Company.

The Company has no control over, and assumes no responsibility for, the content, privacy policies, or practices of any third party web sites or services. You further acknowledge and agree that the Company shall not be responsible or liable, directly or indirectly, for any damage or loss caused or alleged to be caused by or in connection with the use of or reliance on any such content, goods or services available on or through any such web sites or services.

We strongly advise You to read the terms and conditions and privacy policies of any third-party web sites or services that You visit.

Termination

We may terminate or suspend Your access immediately, without prior notice or liability, for any reason whatsoever, including without limitation if You breach these Terms and Conditions.

Upon termination, Your right to use the Service will cease immediately.

Text Messaging

Text messaging originator opt-in data and consent will not be shared with any third parties, excluding aggregators and providers of the Text Message services..

Limitation of Liability

Notwithstanding any damages that You might incur, the entire liability of the Company and any of its suppliers under any provision of this Terms and Your exclusive remedy for all of the foregoing shall be limited to the amount actually paid by You through the Service or 100 USD if You haven’t purchased anything through the Service.

To the maximum extent permitted by applicable law, in no event shall the Company or its suppliers be liable for any special, incidental, indirect, or consequential damages whatsoever (including, but not limited to, damages for loss of profits, loss of data or other information, for business interruption, for personal injury, loss of privacy arising out of or in any way related to the use of or inability to use the Service, third-party software and/or third-party hardware used with the Service, or otherwise in connection with any provision of this Terms), even if the Company or any supplier has been advised of the possibility of such damages and even if the remedy fails of its essential purpose.

Some states do not allow the exclusion of implied warranties or limitation of liability for incidental or consequential damages, which means that some of the above limitations may not apply. In these states, each party’s liability will be limited to the greatest extent permitted by law.

“AS IS” and “AS AVAILABLE” Disclaimer

The Service is provided to You “AS IS” and “AS AVAILABLE” and with all faults and defects without warranty of any kind. To the maximum extent permitted under applicable law, the Company, on its own behalf and on behalf of its Affiliates and its and their respective licensors and service providers, expressly disclaims all warranties, whether express, implied, statutory or otherwise, with respect to the Service, including all implied warranties of merchantability, fitness for a particular purpose, title and non-infringement, and warranties that may arise out of course of dealing, course of performance, usage or trade practice. Without limitation to the foregoing, the Company provides no warranty or undertaking, and makes no representation of any kind that the Service will meet Your requirements, achieve any intended results, be compatible or work with any other software, applications, systems or services, operate without interruption, meet any performance or reliability standards or be error free or that any errors or defects can or will be corrected.

Without limiting the foregoing, neither the Company nor any of the company’s provider makes any representation or warranty of any kind, express or implied: (i) as to the operation or availability of the Service, or the information, content, and materials or products included thereon; (ii) that the Service will be uninterrupted or error-free; (iii) as to the accuracy, reliability, or currency of any information or content provided through the Service; or (iv) that the Service, its servers, the content, or e-mails sent from or on behalf of the Company are free of viruses, scripts, trojan horses, worms, malware, timebombs or other harmful components.

Some jurisdictions do not allow the exclusion of certain types of warranties or limitations on applicable statutory rights of a consumer, so some or all of the above exclusions and limitations may not apply to You. But in such a case the exclusions and limitations set forth in this section shall be applied to the greatest extent enforceable under applicable law.

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The laws of the Country, excluding its conflicts of law rules, shall govern this Terms and Your use of the Service. Your use of the Application may also be subject to other local, state, national, or international laws.

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If You have any concern or dispute about the Service, You agree to first try to resolve the dispute informally by contacting the Company.

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If You are a European Union consumer, you will benefit from any mandatory provisions of the law of the country in which you are resident in.

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If any provision of these Terms is held to be unenforceable or invalid, such provision will be changed and interpreted to accomplish the objectives of such provision to the greatest extent possible under applicable law and the remaining provisions will continue in full force and effect.

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Do You Need Assistance On Buying A Home Or Selling Your Home?

Click Here For The Home Search Website

The Dallas-Fort Worth Arlington Metroplex is the No. 1 visitor and leisure destination in Texas

According to visitdallas.org and fortworth.com, Dallas-Fort Worth and Arlington is the No. 1 visitor and leisure destination in Texas. This city is a great place to visit and stay for a while. From the variety of delicious restaurants, amusements parks, art exhibits, sports teams, and a wide range of entertainment. There are plenty of things you can do that are fun for the kids and adults.

Let’s go over some fun facts about Dallas-Fort Worth:

The job market is holding steady with the average home prices as of January of 2022 at $390K in Dallas and $320K in Fort Worth. Property values have risen year after year. Don’t limit yourself to Dallas-Forth Worth. There are areas like Anna, Frisco, and Prosper that are growing rapidly with a lot of tons of amenities. If you are ready to settle down in one of these amazing cities then reach out to us so we can start your home search.

Click Here For The Home Search Website

Interested in having me or my team as your realtor. Then head over to my bio page for more information on how you can reach out to us. We look forward to assisting you.

Click Here for My Bio Link

Keller Williams App

This app is a wonderful tool for new and existing homeowners. Ready to make a move or just interested in seeing where the real estate market is trending. Then this in demand app may be perfect for you.

Here are some of the features that come with the App:

• Find an agent and send home inquiries instantly
• Custom searches
• Neighborhood detials
• Dynamic Map. You can check open houses, rental properties and homes for sale with just one click
• Accesss anytime
• Share homes through social media, email and text

Keller Williams wanted to make it easier for you to share your interests, searches, and appointments with your realtor. The app is available on iOS and Android devices.

Click Here To Download the App

Thank You For Visiting Our Site. Please Fill Free To Contact The Keller WIlliams Local Office If You Need Assistance In Your Next Real Estate Purchase

Hello! Thank you for taking the time out to view this page. If you are interested in getting into a new home then please feel free to contact us.

Keller Williams is the top real estate franchise in the Dallas-Fort Worth area.

If you are a new home buyer, investor, or looking to get into a second home then you are in good hands. We have a ton of resources at our disposal to help you find what you need.

Looking to a mortgage broker. CLICK HERE. We work with over 160+ lenders.

Information About Broker Services I Consumer Protection Notice

Keller Williams is not associated with Every Possibility LLC or its affiliates

I Specialize In Helping People With Challenged Credit

Hi, my name is Ameerah and I am a mortgage loan officer with Groves Capital. I am here to help you find the right mortgage product for your situation. I love helping people with challenged credit because I know there is a gap in the market to help you.

If you have great credit then I can help you get the best rates and terms for your home purchase.

I can help investors, new home buyers, business owners, ITIN clients, veterans, retirees, 1099 workers, and W2 employees.

We have a ton of loan products to choose from. I will work hard to find solutions to fit your needs.

We offer FREE credit counseling and a FREE financial class to help you get started on the road to financial success.

NMLS # 1939069

April Venegas

Team Leader

NMLS # 294733

The Guiding Light Group with Groves Capital

Grove Capital’s Philosophy

We know how important and invasive the mortgage process can be. We appreciate that you’re considering entrusting us with one of the most important financial decisions of your life, that if not executed properly can significantly impact you now and in the future. It is through technology, high-touch service, and fiduciary responsibility that we will guide you through the process from start to finish as we execute a well-delivered product for you and your family for years to come.

About The Owners

Groves Capital, Inc., is a hybrid mortgage broker and banker based out of San Diego, California, founded in 2016 by Christoffer & Aleyna Groves. Aleyna, having well over a decade of experience in the mortgage business, formed Groves Capital with her husband Christoffer, a successful Realtor with experience dating back to the early 2000s. Their mission is about having their family be there for yours.

CLICK HERE FOR GROVE CAPITAL COMPANY’S WEBSITE

Here Are Some Loan Programs Grove Capital Offers

This is only a small sample. There are many loans to choose from for very unique situations.

CONTACT US

Company NMLS #1678775

www.nmlsconsumeraccess.org

Company Address:

4025 Stonebridge Ln
Rancho Santa Fe, CA 92091
Phone: 1-888-611-0998

Approved States

AR, AZ, CA, CO, FL, HI, ID, NJ, OH, OR, PA, SC, TN, TX, VA, WA, WY

AMEERAH ROUNDS, RESIDENTIAL MORTGAGE LOAN ORIGINATOR, 1939069, GROVES CAPITAL, INC.,4025 STONEBRIDGE LANE, RANCHO SANTA FE, CA, 92091.THE PRINCIPAL AND INTEREST PAYMENT ON A $203,500 30-YEAR FHA FIXED-RATE LOAN AT 3.625% AND 96.5% LOAN-TO-VALUE (LTV) IS $1,087.14. THE ANNUAL PERCENTAGE RATE (APR) IS 4.716% WITH ESTIMATED FINANCE CHARGE OF $5,600. PAYMENT INCLUDES A ONE-TIME UPFRONT MORTGAGE INSURANCE PREMIUM (MIP) AT 1.75% OF THE BASE LOAN AMOUNT AND A MONTHLY MIP CALCULATED AT 0.85% OF THE BASE LOAN AMOUNT. THE 0.85% MONTHLY MIP IS REQUIRED FOR A SPECIFIC PERIOD OF TIME REGARDLESS OF YOUR DOWN PAYMENT OR EQUITY IN YOUR HOME. THE PRINCIPAL AND INTEREST PAYMENTS, WHICH WILL CONTINUE FOR 360 MONTHS UNTIL PAID IN FULL, DO NOT INCLUDE TAXES AND HOME INSURANCE PREMIUMS, WHICH WILL RESULT IN A HIGHER ACTUAL MONTHLY PAYMENT. RATES VARY. SUBJECT TO BORROWER APPROVAL.

There is so much information out there on how to fix your credit and it can very overwhelming. Finding people who can help can be just as frustrating. We want to empower you to start the road to improving your credit and achieving financial success.

With the Smart Start Credit Recovery Program, we help you improve your financial literacy. We have FREE credit counseling for those who need it. If you are wanting to get into a home or just improve your credit to get good interest on your credit card or loans then schedule a call with us.

In our Free credit counseling, we will discuss your long and short-term goals so we can better align with the goals you want to achieve. With the FREE credit counseling, we do not dispute items on your report however we can direct you to credit repair company that can assist you.

If you are interested in FREE credit counseling and want to stop by a take in all the wonderful information in the FREE 35 min class on financial literacy and how your credit can affect you on getting a mortgage. Then please click on the link below, It will take you to the webinar and or the calendar link to schedule a call with us.

We look forward to seeing you on the other side.

Are you interested in being apart of our community?

If you are on this page then you checked out our website and are wanting to to know how you can join our team. Below are a list of the incredible opportunites that can allow you to make afull time income, side income or inconjugition with your full time business. All these positions are 1099s income.

Real Estate Agent

If you have your real estate lincense then Keller Williams is a great place to work. With classes everyday to help you get started, to awesome mentors and a kick start program. Keller Williams is the #1 real estate company in the US with listing and sold homes surpassing other brokers. The compensation is plan is great and can allow you get up to 100% of the comission after a few sales transaction.

You are never alone and people are willing to help you succeed

Contact Your local Keller William Office

Mortgage Loan Officer

Do you have a mortgage loan orgination license and would love to help people get in to homes. Groves Capital is a fast growing company that started in 2000 by a husband and wife team Chris and Aleyna Groves. They have access to over 160+ lenders to help you find a solution for your clients. They are also a correspondent lender which can give you flexiblity to give your clients a better interest rate.

Training and mentors are provided and a team to help you succeed.

Click the link to head over to the website.

Every Possibility LLC Is A Full Service Housing Solution Company That Can Help You Build Your Credit Scores Faster And Gets You Into A Home Sooner.

Every Possibility LLC is a growing company and wanted to help everyone get into a home. You can tap into this awesome referral network. Not only is Ameerah Rounds a real estate agent with Keller Williams, but also a loan partner with Groves Capital and owner of Smart Start Credit Recovery. We specialize in clients with challenged credit because we know it can be a struggle to get into a home.

Our passion is to help you succeed. So we are here to answer any question and point you in the right direction.

We Specialize in Clients With Challenged Credit

How it works:

• Credit: Tell us your goals and issues you are having and we’ll find a way to improve your scores
• Real Estate: Refer you to a Real Estate Agent that will work side by side with you to find the perfect home.
• Mortgage: With access to over 160 lenders. We will work to find the best mortgage option that will benefit you.

We want the process to be simple and easy.

What Are the Benefits For Working With Us

• Friendly Service
• Free Credit Consultations
• A Ton of Resources
• Free Financial Class
• Real Estate Apps to make the home search and getting approved easy and efficient
• Access to Credit Monitoring
• Budgeting Tools and Credit Builder
• and many more…

Smart Start Credit Recovery Program

There is so much information out there on how to fix your credit and it can very overwhelming. Finding people who can help can be just as frustrating. We want to empower you to start the road to improving your credit and achieving financial success. With the Smart Start Credit Recovery Program, we help you improve your financial literacy. We have FREE credit counseling for those who need it.

You will also have access to a FREE financial class that teaches tips and tricks to repair your credit along with some information on getting a home loan.  Schedule a call with us TODAY or Visit Our Website

Real Estate Agent Referral Network

Keller Williams:  Being the #1 Real Estate Company. They provide win-win solutions to help assist their clients. They work together as a team with integrity to create trust with you. You can have access to your realtor partner through multiple means of communication. If you would like to schedule a call then Contact Us

Loan Partner

Groves Capital: We know how important and invasive the mortgage process can be. We appreciate that you’re considering entrusting us with one of the most important financial decisions of your life, that if not executed properly can significantly impact you now and in the future. It is through technology, high-touch service, and fiduciary responsibility that we will guide you through the process from start to finish as we execute a well-delivered product for you and your family for years to come. Schedule a Call with Us

Learn More About Every Possibility LLC

Every Possibility LLC was formed in 2018 and has morphed over time. But one factor remains the same. We want to help our clients get into homes. From an investment company to a referral network. We wanted to provide a full-service housing solution to help you reach your goals faster. Whether it’s awesome credit, lending services, or finding a great agent. We strive to cultivate quality relationships that produce long-lasting win-win benefits while always keeping our Clients’ desired goals at the forefront. We look forward to discussing your needs and seeing how we can assist you in your financial goals.

DTI and Mortgage Payment Calculator

This app is designed to help new homeowners figure out their monthly mortgage payments and their debt to income ratio.

When working with a mortgage professional in getting a traditional home loan most lenders use debt to income ratios to see if you qualify.

Front End Ratio = PITI (Principle-Interest-Taxes-Insurance)/ Income
Back End Ratio = Total Household expenses (Mortgage payment and debt on your credit report)/ Income

Note: There are more qualifications you will have to meet besides using this calculator so please work with your lender ie Credit unions, mortgages lenders, mortgage brokers, and banks to see if you meet their guidelines.

This calculator is only as good as the information you put in it.

Here is the link to the App. It is currently available in the Google App Store. iOS App will be available soon.

DTI CALCULATOR APP

Here is the link to the Excel Spreadsheet and video instructions on how to fill out the calculator.

EXCEL SPREADSHEET AND VIDEO INSTRUCTIONS

Good Luck and Much Success on Your Journey!