ROCA & ASSOCIATES · INLAND EMPIRE
FREE CREDIT-TO-CLOSE PROGRAM
Bad credit
isn't a no.
It's a timeline. I've taken IE buyers from zero credit history to homeowner in 45 days — for free. Then I close their loan in 21 days or put $1,500 toward their closing costs.
21-Day Close Guarantee or $1,500 Toward Your Closing Costs
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REAL CLIENT · REAL RESULT
This is what it looks like
when it actually works.
HOW IT WORKS
Three steps.
One person.
STEP 01
Free credit audit & action plan
I run a soft credit pull — zero impact on your score — show you exactly what's hurting it, and give you a written action plan. Rapid rescore, authorized user strategy, dispute roadmap — whatever your situation calls for. The hard pull only happens later when you're ready to formally apply. I've done this dozens of times. It costs you nothing.
SOFT PULL ONLY · WON'T AFFECT YOUR SCORE
STEP 02
Pre-approval in 24 hours
Once your score is where it needs to be, I issue your pre-approval letter within 24 hours of receiving your docs. FHA, Conventional, or VA — whichever program fits your situation best. I run both the brokerage and the lending, so there's no middleman slowing this down.
24-HR TURNAROUND
STEP 03
Close in 21 days. Guaranteed.
I close your loan in 21 days from contract — or I personally contribute $1,500 toward your closing costs. In writing. No fine print. Sellers love this: a guaranteed close timeline means your offer competes even against all-cash.
21-DAY GUARANTEE · IN WRITING
YOUR SITUATION
Every credit
situation covered.
No credit history
Never had a credit card or loan? I use a proven strategy to connect you with established accounts that have years of perfect payment history. That history reports to your credit file and your FICO score starts showing up within 30-45 days.
30–45 DAYS
Score needs a quick boost
Pay down the right accounts, dispute inaccuracies, and run a rapid rescore. Your updated score reflects in 5-7 business days.
1–2 WEEKS
Collections or negative items
Strategic disputes, pay-for-delete negotiations, and goodwill letters. We work through each item systematically with a 90-day action plan.
60–90 DAYS
Credit is fine, just need pre-approval
Skip the credit work. Go straight to pre-approval in 24 hours and the 21-day close guarantee.
24 HOURS
★ THE GUARANTEE
Close in 21 days
or $1,500 is yours.
I put it in writing before we start. If I don't close your loan within 21 days of a fully executed purchase contract — with your timely cooperation on docs — I personally contribute $1,500 toward your closing costs.
Claim the guarantee →
Requires: timely submission of docs within 48 hrs of request · fully executed purchase contract ·
appraisal & title cooperation · applies to purchase transactions ·
Richard Ortiz · NMLS #1894896 · DRE #02066666
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Get your free
credit audit.
FREE · SOFT PULL ONLY · NO OBLIGATION
Tell me about your situation
I'll review and text you back within 24 hours with your exact action plan — what to do, in what order, to get you into a home.
Richard Ortiz · ROCA & Associates · NMLS #1894896 · DRE #02066666
Equal Housing Opportunity · Privacy Policy
Equal Housing Opportunity · Privacy Policy
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Got it. Talk soon.
I'll review your situation and text you back within 24 hours with your personalized credit action plan — what to do, in what order, to get you into a home.
Need to talk now? (909) 689-4440