Credit Counseling Service in Phoenix AZA Real Path to Home Ownership
A low credit score doesn't have to keep you from owning a home. As part of my credit counseling help, I show you exactly what to fix and connect you with loans built for credit-challenged buyers. From homebuyer education to debt consolidation, I help you get ready and get approved. You get honest guidance and a real plan, not a brush-off.
- 10+ Years Experience
- License NMLS# 1455718
- $500M+ in Loan Volume Closed
- Backed by the Nation's #1 Mortgage Brokerage
How We Help
You need credit counseling help when your credit is holding you back from buying a home. Maybe your score is lower than you'd like. Maybe you've had a rough patch and a bank said no. Maybe you just want to learn how the process works before you start. I help with all of it. Housing counseling and homebuyer education get you ready to buy with confidence. Pre-purchase counseling helps you know what to expect. Debt consolidation refinancing can roll high-interest debt into one lower payment. And I work with loans made for buyers with lower scores or higher debt. The goal is to meet you where you are and build a plan that gets you to the closing table.
How It Works
We start with an honest look at your credit and your goals. I'll pull a soft credit check that won't hurt your score and show you what's helping and what's hurting. Then I give you a simple plan — which balances to pay down, what to avoid, and what to expect. For many people, a few smart moves can lift a score in a matter of months. When you're ready, I match you with the right loan, even if your credit isn't perfect. I check in along the way and answer every question. No judgment, just a clear path forward at your pace.
What It Costs in Phoenix
A first conversation and credit review with me costs nothing. There's no charge to learn where you stand and what to fix. When you're ready for a loan, the lender usually pays my fee, so my help doesn't add to your costs. Loans for credit-challenged buyers may carry a slightly higher rate, but I shop several lenders to keep it as low as possible. And as your credit improves, you may be able to refinance later into a better rate. Every cost goes to you in writing, with nothing hidden.
Explore Our Credit Counseling Service Services
Why Work With Mark
I've helped many Phoenix families go from a no to a yes on their home. Ten-plus years in the business and 50-plus five-star reviews, including from buyers who were told they'd never qualify. I treat every credit situation with respect and patience. You'll get a real plan, not a runaround. Same-day response on every call and text. And I stick with you until you're holding the keys.
Ready to Get Started?
Worried your credit isn't ready? Call or text Mark at (480) 690-9790 for a free, no-pressure credit review today. Same business day, every time.
Not sure where to start? Browse all of our specialty loan programs for Phoenix buyers.
Reviewed by
Mark Fazio — Licensed Mortgage Loan Officer
NMLS #1455718 · Barrett Financial Group (NMLS #181106) · Phoenix, AZ
Mark Fazio is a licensed Phoenix mortgage broker with 10+ years of experience and over 1,000 home loans closed. He shops dozens of lenders to find the lowest rate on purchase, refinance, and specialty loans, and personally guides every client from the first call through closing.