🔑 For Real Estate Agents

Stop Losing Clients
to Credit Denials.
Keep the Deal.
Keep the Relationship.

When a buyer is declined, the relationship usually stalls. ScoreToClose helps your buyers improve their credit so they can qualify for the home they want — and gives you a free dashboard, with their permission, to see when they are mortgage-ready.

Become a Partner →See the Platform
1 in 3
mortgage apps denied for credit
~55–65%
of referred clients reach approval
You get notified
the moment they're mortgage-ready
scoretoclose.com/agent/sarah-jones-kw
Sarah Jones — Agent Portal● Live
23
Total Referred
7
Mortgage Ready
68%
Avg Progress
ClientScoreStageDaysStatus
Mike R.658Pre-Qual89dReady ✓
Anna T.621In Progress45d+43 pts
D. Park608In Progress32d+29 pts
C. Wilson572Assessment8dNew
1 in 3

mortgage applications are denied due to credit — and most agents never see that client again

That denial cost you months of work
Showings, open houses, offers — all of that time represents real earning potential. Right now it evaporates the moment the lender says no.
They find a new agent when they're ready
Without a structured path back to you, a denied buyer fixes their credit on their own and calls whoever they find first. It's rarely you.
You have no visibility into their progress
You refer them to 'credit repair' and hope for the best. No updates, no timeline, no way to know when to follow up.

Your Agent Portal. Full Visibility.

See every referred client's progress in real time — from credit analysis to mortgage-ready notification.

ScoreToClose | Sarah Jones — KW Agent Portal
Agent View
SJ
MAIN
My Pipeline
All Referrals
Mortgage Ready
REPORTS
Progress Updates
My Stats
ACCOUNT
Referral Link
Settings
23
Total Referred
9
In Progress
7
Mortgage Ready
4
Closed This Year
Pipeline Stages
4
Assessment
9
Working
7
Ready
4
Closed
30.4% of referrals reached mortgage-ready
30.4%
Recent Activity
Mike R. hit 658 — Mortgage Ready!
Sarah notified · 2 hours ago
Anna T. completed action #3
Score improved +12 pts · Yesterday
David P. submitted dispute letter
Advisor reviewing · 2 days ago
Chris W. completed intake
Plan being built · 3 days ago
J. Martinez closed on FHA loan
Referred 6 months ago · 5 days ago
MR
Mike R.
Referred 89 days ago
+86 pts
Target: 640 ✓ Mortgage Ready
AT
Anna T.
Referred 45 days ago
+43 pts
Target: 660 — 39 pts to go
DP
David P.
Referred 32 days ago
+29 pts
Target: 640 — 32 pts to go
AT
Anna Thompson
Referred by: Sarah Jones · 45 days
578
Start
621
Current
660
Target
Action Plan
✓Pay down Chase (94% util)
+28 pts
✓Medical collection pay-for-delete
+15 pts
●Pay down Cap1 to 30%
In Progress
○Dispute 2018 late payment
Upcoming
Target loan: Conventional at 660
Current best match: FHA at 620+ — eligible now
Estimated target date: May 2026
CreditPath
Referred by: Sarah Jones, KW
Agent Progress Report
Anna Thompson · April 1, 2026
578
Start Score
621
Current Score
660
Target Score
45
Days Active
FHA eligible now (620+) · 39 pts to target (660)
Action Plan — 2 of 4 Complete
✓Pay down Chase+28 pts
✓Medical collection removed+15 pts
→Pay down Cap1 (in progress)Est. +18 pts
○Dispute 2018 late paymentEst. +12 pts
Estimated mortgage-ready date: May 12, 2026 · Your agent: Sarah Jones, Keller WilliamsScoreToClose Partner

Everything You Need to Protect Your Pipeline

Your Own Referral Page
A branded page at scoretoclose.com/refer/[your-name]. Share the link when a buyer gets declined. They see your name, your agency, your referral.
Branded to you
Real-Time Pipeline Dashboard
See every referred client's score, stage, and progress in one place. Know exactly when to follow up — because you'll see them moving toward mortgage-ready in real time.
Always up to date
Mortgage-Ready Notifications
The moment a referred client hits the score threshold for their target loan program, you get an immediate email notification. Never miss the window to reconnect.
Instant alerts
Automated Progress Reports
Monthly PDF reports for every referred client — showing score progress, action plan completion, and estimated mortgage-ready date. Share with clients to stay top of mind.
Monthly touchpoints
200+ Lenders via Loan Factory
When your client is ready, we connect them directly to Loan Factory — 200+ lenders competing for their mortgage. FHA from 580, conventional from 620, VA, USDA, jumbo and more.
Best lender for each client
Free to Partner
No fees, no contracts, no minimums. Refer as many clients as you want. ScoreToClose helps your buyers improve their credit so they can qualify for the home they want.
Zero cost to you

Your Personal Referral Page — Ready in Minutes

Every agent gets a branded page at scoretoclose.com/refer/[your-name]. Clients see your photo, agency, and referral stats — not a generic form.

CreditPath
SJ
Sarah Jones
Keller Williams — Salt Lake City
★★★★★
23
Referred
7
Ready
4
Closed
Hi! I've partnered with ScoreToClose to help my clients who need credit help before they can buy. Fill out the form below and my team will reach out within 24 hours.
Referred by Sarah Jones, Keller Williams

When They're Ready — 200+ Lenders Compete for Their Loan

Through our partnership with Loan Factory, your client gets access to the widest possible lender network.

✓200+ lenders on the platform
✓Licensed in 48 states nationwide
✓FHA starting at 580 credit score
✓Conventional, VA, USDA, Jumbo, Non-QM, Bank Statement
✓Average close time 3-4 weeks
✓AI-powered underwriting support
FHA
Conventional
VA
USDA
Bank Statement
Jumbo
DSCR / Investor
Non-QM
"

I had a buyer who got denied at 558. Sent them to ScoreToClose in January. By April they were at 621 and pre-approved for FHA. We closed in June. I would have lost that client forever without this.

SM
Sarah M. | Keller Williams, Salt Lake City
Score
558 → 621
Time
~4 months
Loan
FHA 3.5%

Help your buyers
become mortgage-ready.
At no cost to you or them.

ScoreToClose helps your buyers improve their credit so they can qualify for the home they want. With their permission, you can track their progress on a free dashboard.

Create My Partner Account →Learn More