Credit360 Credit Repair

🏡 THE HOUSE DIDN’T CHANGE… THE CREDIT SCORE DID.
At first glance, you might think Buyer #1 purchased a more expensive home.
Not true.

Both buyers purchased:
✅ The same $350,000 home
✅ Made the same 3.5% down payment ($12,250)
✅ Borrowed the same loan amount ($337,750)

So why is one buyer paying over $125,000 more over the life of the loan?

The difference is their credit score.
📉 Buyer #1
• 580 Credit Score
• 7.25% Interest Rate
• Higher monthly payment
• More interest paid over 30 years

📈 Buyer #2
• 720 Credit Score
• 6.00% Interest Rate
• Lower monthly payment
• More than $125,000 in lifetime savings

That extra money could have gone toward:
🏖️ Vacations
🎓 College tuition
🏡 Home improvements
💼 Investments
💰 Retirement

The lesson is simple:
Don’t rush to buy the house…

Prepare your credit first.

A few months of improving your credit today could save you thousands of dollars over the next 30 years.

💳 Credit First.
🏡 Mortgage Second.
🔑 Keys Third.
📞 Call or text (754) 342-2121 to schedule your free mortgage consultation and find out how much your credit score could save you.
Illustration purposes only. Rates, payments, and savings vary based on credit profile, loan program, loan amount, market conditions, and borrower qualifications.

🏡🚒👮‍♀️👩‍⚕️ 2026 FLORIDA HOMETOWN HEROES PROGRAM IS HERE! 🇺🇸🔑

If you've been dreaming of owning a home but thought the down payment was out of reach, this program could help you get across the finish line.

👷‍♂️ Eligible professions may include:

👮 Law Enforcement
🚒 Firefighters
🚑 EMTs & Paramedics
👩‍⚕️ Healthcare Professionals
👩‍🏫 Teachers & School Employees
⚖️ Eligible Court Employees
🇺🇸 Active Military & Veterans

📋 Here's what you need to know:

✅ Up to 5% of your loan amount for down payment and closing costs
💰 Up to $35,000 in assistance
🏠 Purchase a primary residence in Florida
📈 Minimum 640 FICO Score (program guidelines apply)
💼 FHA, VA, USDA & Conventional loan options available
📍 Income limits vary by county

🎯 The ideal Hometown Heroes client:

✔️ Lives and works in Florida
✔️ Has stable income
✔️ Has a 640+ credit score
✔️ Can afford the monthly mortgage payment but needs help with upfront costs
✔️ Is ready to get pre-approved before funding runs out

⏳ Funding is limited and available on a first come, first served basis. Getting pre-approved now can put you in the best position when you're ready to buy.

💳 Credit First.
🏦 Mortgage Second.
🔑 Keys Third.

📞 866-840-4646

📩 DM me "HERO" to see if you qualify for up to $35,000 in homebuying assistance! 🏡

🏡 Homeownership is not just about finding a house.

It is about being prepared enough to keep the house after you get the keys. 🔑

Your credit report is like your financial report card. 📄📊
Your mortgage approval is like the final exam. 📝
And the house? That is graduation day. 🎓🏠

But before you walk across that stage, you need to know where you stand.
If you have questions about credit, mortgage approval, down payment assistance, or where to even start, let’s talk. 💬

✅ Credit questions
✅ Mortgage questions
✅ Homebuyer readiness
✅ Down payment assistance
✅ Not sure where to start?

Ask Andre. 👔
Feel free to DM me or inbox me with any questions. 📩
Click the link in the comment section to schedule a FREE credit consultation. 📲

Credit first. Mortgage second. Keys third. 🔑🏡

www.credit360.biz or 1-866-840-4646

💰🏡 UP TO $90,000 IN DOWN PAYMENT & CLOSING COST ASSISTANCE MAY BE AVAILABLE! 🏡💰

👀 Yes, you read that correctly.

🤦🏾♂️ Many aspiring homeowners don’t realize there are programs available that can provide up to $90,000 in assistance toward purchasing a home. The challenge is knowing what programs exist, how they work, and whether you qualify.
That’s why we’re inviting you to attend this FREE HUD-Certified 8-Hour Homebuyer Education Workshop right here in South Miami-Dade.

During this in-person workshop, you’ll learn:
✅ How to qualify for homeownership
✅ Credit tips and mortgage readiness strategies
✅ First-Time Homebuyer Programs
✅ Down Payment Assistance Programs
✅ The homebuying process from application to closing
✅ How to earn your HUD Homebuyer Certificate

One of the best parts? Many HUD-approved classes are not typically offered this far south in Miami-Dade. We’re proud to bring this opportunity closer to residents of Cutler Bay, Homestead, Florida City, Goulds, Perrine, Palmetto Bay, Pinecrest, Kendall, and surrounding communities.

📅 Saturday, June 20, 2026
⏰ 10:00 AM – 5:00 PM
📍 Sweet Home Missionary Baptist Church
10701 SW 184th Street, Cutler Bay, FL
🎟️ FREE Registration

If homeownership is on your vision board, don’t wait until you’re ready to buy. Start preparing now and learn what programs and opportunities may be available to help you get there.

🔑 Your journey to homeownership starts with education.

Last week, I shared that I passed my Mortgage Loan Originator exam, and the response was truly overwhelming. I appreciate every call, text, comment, share, and word of encouragement.

This week, I’m proud to share the next step.

I have officially placed my license with **The Loan Factory**, and I’m now able to assist clients with residential mortgage financing options, including:

🏡 FHA Loans
🇺🇸 VA Loans
🏠 Conventional Loans
🔑 Home Purchase Financing
🔄 Refinance Options

For years, I’ve helped people repair, rebuild, and better understand their credit. Now, I’m adding mortgage financing to the process so I can help more people move from preparation to possibility.

Whether you are a first-time homebuyer, looking to refinance, exploring your options, or simply trying to understand what you may qualify for, I’d be glad to help you take a closer look.

The goal is not just to get you a loan.

The goal is to help you move with clarity, confidence, and a real plan.

If you’re thinking about buying a home or want to know where you stand, let’s talk.

**Andre Coakley**
Mortgage Loan Originator
NMLS #2189905
Powered by The Loan Factory

🏡✨ BIG NEWS! ✨🏡

Today, I'm excited to share that I've officially passed the Florida Mortgage Loan Originator Exam and am adding another skill set to my toolbox. 🎉🔑🏠

Many people don't know that I was licensed in the mortgage industry from 2000 to 2009. When the housing crisis hit in 2008-2009, I stepped away from the mortgage business and founded Credit360, where I've spent the last 15 years helping individuals and families repair, rebuild, and strengthen their credit. 📈💳

Don't worry, Credit360 isn't going anywhere. We will continue helping clients improve their credit. The difference is that we can now assist qualified clients with:

🏡 Home Purchases
💰 Mortgage Refinancing
🔑 FHA, VA & Conventional Loans
📈 Credit Challenges

🙌 In many ways, this is a full-circle moment. What began in mortgages evolved into helping people recover financially. Now, I'm combining both experiences to help more families achieve the dream of homeownership.

⭐ NEW CHAPTER. SAME MISSION. ⭐

💚 I LOVE helping GOOD PEOPLE with ❤️ BAD CREDIT become HOMEOWNERS. 🏡🔑

📲 If you're looking to improve your credit, prepare for homeownership, purchase a home, or refinance your current mortgage, I'd be honored to help.

☎️ Call me. 📱 Text me. 📩 Send me a message.

Let's discuss your goals and build a plan to help you get there. 🚀🏡

💳 Want to qualify for higher credit limits?
Check the comments for strategies that can help you look stronger to lenders 👇🏽