TRUSTWORTHY CREDIT ASSISTANCE

Security/Military/Job Clearance 

In today's society, Credit is EVERYTHING and can even prevent you from qualifying for a job or even lose your current job. A 2012 study from the Society for Human Resource Management (SHRM) found that 47% of US companies conduct credit checks. 


More information regarding this program will be coming soon. Please call our office at 817-271-6342 x1 if you would like more information regarding this program. We appreciate your understanding as we improve our website for 2017.

We Offer Four Credit Programs to Choose from to Target your Specific Needs

Mortgage Credit Ready Program

85% of our Clients are in this Program. This plan is perfect for those interested in purchasing a home within the next 6-12 Months. Your credit score is the most important factor when it comes to qualifying for a home loan. Potential home buyers should begin reviewing and working on their credit A MINIMUM OF 6 MONTHS PRIOR to allow enough time to repair damaging items and rebuild their credit in order to qualify. 


A Minimum Credit Score of 640 is required for FHA Loans and a 680 Minimum Credit Score for Conventional Loans. BUT even if you have a 700+ credit score, specific items on your credit can still keep you from qualifying for a mortgage loan. 


During the initial consultation, we will review your credit with you in detail and put together an action plan so we can target specific items appearing on your credit that may be preventing you from qualifying for a mortgage loan. We will also provide you with a REALISTIC TIME FRAME on how long you should anticipate it will take to get your credit where it needs to be to qualify for a home. We will guide you through the entire process and work closely with your Mortgage Loan Officer and/or Realtor to get you qualified and into a home as quickly and diligently as possible.

New/Refinance Auto Loan

It's much easier to qualify for an Auto Loan these days. But, will you be approved by a traditional bank or an Investor that is just waiting for you to sign that contract so he can get RICHER off you by luring you into paying a ridiculous interest rate? If your interest rate is 12% or higher, you are most likely making a third party Investor's wallet fatter. They approve loans that the traditional banks will not approve because they are considered "high-risk".


"In house" auto loans are generally not a good option because they typically do not report to the 3 credit bureaus, so it's not helping your credit. Plus, it will be difficult for you to trade or refinance later because only interest is being paid during the first 1-2 years, so you will owe much more than the car is worth.


This Program is designed for those that are wanting to purchase a car but don't want to get tied into a High Interest Auto Loan that will end up costing them THOUSANDS in interest rates and fees. We can also assist you with restoring your credit if you already have an Auto Loan but need to have it refinanced.


Our Auto Loan Partners can guarantee your approval for a new or used car while you are in our Credit Restoration Program.

Just Because 

More information regarding this program will be coming soon. Please call our office at 817-271-6342 x1 if you would like more information regarding this program. We appreciate your understanding as we improve our website for 2017.

KCMS Financial Group, LLC

Our Credit Restoration Programs are designed to help you reach your goal and enable us to focus on specific items that may be preventing you from reaching that goal. Our payment options are very affordable and allow you the flexibility to MAKE YOUR CREDIT A PRIORITY!!!