Credit Stephy creditstephy.com

Let’s make home happen.

Start with a clear picture of your credit. Enroll in SmartCredit, and our team will build your personal 90-day home buying plan with you.

Your 90-Day Homebuyer Plan

  1. Enroll
  2. Report
  3. Build the plan

Enrollment opens soon. This preview can’t accept applications yet.

Step 1: Create your SmartCredit account

You’ll enter your details and payment securely with SmartCredit on the next screen. There’s nothing to upload.

Referred by a realtor? Add their code

SmartCredit is a separate, customer-paid subscription. You’ll see its current price, billing terms, and agreement before you agree or pay.

Stephy in front of a new home

What happens next

  1. Enroll

    Create your SmartCredit account. SmartCredit collects your identity and payment details directly, so Credit Stephy never sees your password or card.

  2. Report

    Once your membership is confirmed, we work to receive your credit report securely. You won’t need to send it to us.

  3. Build the plan

    A member of our team reviews your starting point and walks you through a personal path and a preliminary timeline.

A home buying timeline is an estimate made after review. Enrolling is not loan approval or acceptance into the program, and closing within 90 days isn’t guaranteed.