Imperfect credit isn't the end.
Your score is one number. I look at the whole picture, including manual underwriting where available, and build a plan that gets you from where you are to where you want to be.
What clients say
“Had the pleasure to work with Stone Merton out of Jacksonville, Florida! Was a pleasure working with him. Very knowledgeable and didn’t treat me like just a customer. Stone treated my wife and I like a friend and made getting our first house a wonderful experience!”
“Our first time selling a home and moving into our forever dream home. Working with Stone had been one of the easiest and least challenging processes that I have ever gone through!! Stone was extremely attentive to my questions and needs. He would always reply quickly to any questions I had and would do everything within his power to make this a seamless process!! I highly recommend The Anchor Team for any of your real estate dealings!!”
“Great experience , long hours of support, sometimes after hours ,question's always answered, 7 days a week always there for me ! I would refer to all my friends.”
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What you get
A human reviews your file
On some programs, manual underwriting weighs rent, utilities and other payment history, not just a score.
A step-by-step plan
If you're not ready yet, I'll outline the general steps and a realistic timeline so you know what to work on first.
Honest answers
If the answer is "not yet", I'll tell you why, and exactly what would change it.
Programs with flexible guidelines
FHA, VA and others have flexible credit guidelines. We'll see which could apply.
What to expect
- Free consultation
- Review your whole file
- Build your plan
- Apply when you're ready
Let's find your path.
Start your application, or book a free call. No judgment, just a plan.
Not a commitment to lend. All loans are subject to credit approval and program guidelines.
Programs to look at
Educational overviews. Eligibility and availability vary by program, location and borrower.
Quick answers
What is manual underwriting?
It is a review done by a person instead of only an automated system. It can consider non-traditional credit like rent and utility payments. It is available on certain programs and has its own requirements.
Do you offer credit repair?
No. I do not provide credit repair services. I can explain general steps that often help and tell you when you may be ready to apply.
How long might it take to get ready?
It depends entirely on your situation. A short conversation gives you a realistic picture, and sometimes you are closer than you think.
Local to the First Coast
Based in Middleburg, helping buyers across Jacksonville and Northeast Florida.
- Middleburg, FL
- Jacksonville, FL
- Orange Park, FL
- Fleming Island, FL
- Green Cove Springs, FL
- Clay County, FL
Area photography, credited below.
Not quite you?
First-time buyers
Buying a home for the first time is a lot. I'll break it into steps, answer every question and help you find programs that may fit, including down payment assistance.
VA buyers
VA loans are one of the most valuable benefits of military service. I'll help you understand it, get your eligibility documents and move toward your home.
Self-employed & investors
Business owners, freelancers and investors have more than one way to qualify. I'll walk you through the documentation and loan types that fit how you earn.
Let's find your path.
Start your application, or book a free call. No judgment, just a plan.
Ready to move forward?
Start your application online. It takes about 10 minutes.
Not sure where to start?
Book a free, no-obligation call. Bring your questions.
- Free, no-obligation consultation
- Takes about 10 minutes to start
- Or call (904) 844-1148
Not a commitment to lend. All loans are subject to credit approval and program guidelines.