Secure the Bag™ Credit to Keys

Your Castle Starts With a Plan.

Prepare Your Credit. Explore Your Capital. Find Your Castle.

You have the dream. Let's build your homeownership plan. Get personalized guidance through credit readiness, financing preparation, and the homebuying process.

Programs starting at $997. Monitoring subscriptions and home purchase expenses are separate. Credit improvement and loan approval are not guaranteed.

Secure the Bag Credit to Keys with Ms. B The Money Lady — red bag with house keys in front of a home
Your journey

From credit to keys, step by step

  1. Step 1

    Credit readiness

    Set up credit monitoring, review reports, and create a personalized readiness plan.

  2. Step 2

    Capital preparation

    Organize income, savings, down payment goals, closing costs, and reserves.

  3. Step 3

    Application and preapproval

    Prepare documents and work with a licensed mortgage professional through the application and conditional preapproval process.

  4. Step 4

    Home shopping

    Understand the purchase process while working with your chosen licensed agent or builder.

  5. Step 5

    Closing preparation

    Track key milestones, including inspection, appraisal, insurance, and lender conditions.

  6. Step 6

    Homeownership planning

    Prepare for mortgage payments, maintenance, and emergency reserves.

Program options

Choose your level of support

Total program prices. Enrollment happens after your strategy appointment and a signed agreement — nothing is charged here.

Keys Ready

$997

  • ✓90 days of support.
  • ✓Three private coaching sessions.
  • ✓Credit monitoring setup and monthly report reviews.
  • ✓Written homeownership readiness plan.
  • ✓Budget and savings worksheets.
  • ✓Loan document checklist and application preparation.
  • ✓One preapproval status review.
  • ✓Homebuying and closing education toolkit.

Keys Plus

$1,997

  • ✓180 days of support.
  • ✓Six private coaching sessions.
  • ✓Includes Keys Ready services with an extended support period.
  • ✓Additional document organization reviews.
  • ✓Financing comparison education.
  • ✓Research into up to three potential down payment assistance programs.
  • ✓Two purchase milestone consultations.
  • ✓One post-closing budget review within the program term.

Keys Concierge

$2,997

  • ✓270 days of support.
  • ✓Ten private coaching sessions.
  • ✓Includes Keys Plus services with expanded support.
  • ✓Written progress checks every two weeks.
  • ✓Up to four document organization reviews.
  • ✓Four purchase milestone consultations.
  • ✓New construction timeline guidance.
  • ✓Two post-closing reviews within the program term.
Book your appointment

Schedule your Credit to Keys Strategy Appointment

Questions, answered

Do I need to be ready to buy today?

No. This program helps you understand your starting point and prepare your next steps.

Does this guarantee better credit or mortgage approval?

No. Credit outcomes and loan approval depend on your circumstances and the relevant providers.

Is credit monitoring included?

Monitoring setup and program reviews are included. Third-party monitoring subscriptions are separate and disclosed before enrollment.

Can I use my own lender, Realtor, or builder?

Yes. You remain free to choose your service providers.

Does the program include my down payment or closing costs?

No. Home purchase expenses and third-party transaction fees are separate.

How do I get started?

Schedule a Credit to Keys Strategy Appointment to discuss your goals and the appropriate support level.

Ready to Build Your Plan?

Take the next step toward your own castle with Ms. B The Money Lady.

Credit to Keys is an optional readiness and guidance program. Licensed mortgage professionals handle mortgage advice, origination and preapproval; licensed real estate professionals handle representation and negotiation. No score increase, approval, assistance award, purchase or closing date is promised. Monitoring subscriptions and home purchase expenses are separate. Credit improvement and loan approval are not guaranteed. Equal Housing Opportunity.