"I've been denied for mortgages even though I pay my rent on time..."
You're not alone. 33 million Americans were "credit invisible" under the old FICO model. VantageScore 4.0 changes EVERYTHING — and most lenders still don't tell you about it.
The Problem
If Any of This Sounds Familiar, This Event Was Built Specifically for You...
"I don't have an SSN, so I thought homeownership was impossible..."
WRONG. ITIN holders CAN buy homes, access business funding, and build credit. We'll show you the exact programs (including Hometown Heroes $15K assistance) and walk you through the application LIVE.
"I've tried to fix my credit before, but nothing worked..."
Because you didn't have the NEW playbook. Andre Coakley (President & Founder of Credit360, 25+ years teaching credit workshops) reveals the 2026 credit repair strategies that actually WORK — including business credit lines of $50K–$250K with ZERO personal guarantee.
| BEFORE This Event | AFTER This Event |
|---|---|
| ❌ Confused about which credit score matters | ✅ Know exactly how VantageScore 4.0 works + how to access it FREE |
| ❌ Think ITIN = no mortgage | ✅ Have ITIN application started + know which lenders accept it |
| ❌ Paying $1,500/mo rent with nothing to show | ✅ Clear path to $15K down-payment assistance (Hometown Heroes) |
| ❌ Business stuck at 5-figures because of credit | ✅ Roadmap to $50K–$250K business credit lines |
| ❌ Don't know which "expert" to trust | ✅ Vetted panel of 28+ year mortgage pros, certified FICO specialists, tax strategists |
The Difference
Here's What 99% of "Financial Literacy" Events Get Wrong...
They teach you WHAT to do — but never HOW to actually do it.
They talk about "building credit" in theory — but don't hand you the playbook, the tools, or the LIVE support to execute.
We're different.
On September 19th, you're not just learning ABOUT financial freedom.
You're STARTING the process — same day.
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VantageScore 4.0 Breakdown — Why this is the ONLY score that matters for 2025-2026 mortgages (FHFA mandated it for Fannie Mae/Freddie Mac), how to access your score for FREE, and the 3 fastest ways to boost it 40-60 points in 30 days.
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ITIN Application Started (Live!) — IRS-certified specialists on-site. If you don't have an SSN, you'll leave with your ITIN paperwork IN PROGRESS and a clear timeline to approval.
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Hometown Heroes Program ($15K!) — Teachers, first responders, veterans, healthcare workers: You qualify for up to $15,000 in down-payment assistance. We'll show you the application, connect you with approved lenders ON-SITE, and some of you will get pre-approved BEFORE you leave.
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Business Credit Roadmap ($50K–$250K) — Andre Coakley reveals the exact 90-day blueprint to build $50K+ in business credit lines (Uline, Quill, Net-30 vendors) with ZERO personal credit check. You'll leave with your first 3 vendor accounts ready to apply.
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Mortgage Financing Masterclass — Chalamaine Armstrong (GFS Home Loans, 28 years experience, NMLS #259978) breaks down: low-credit mortgage options, first-time buyer programs, creative financing for self-employed, and how to get approved even if you've been denied before.
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5 Live Q&A Panels — No scripted BS. Bring your REAL questions. Get REAL answers from the panel (mortgage pros, ITIN specialists, credit experts, tax strategists, business funding advisors).
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Meals Included — Breakfast + Lunch ($20 value) because we need you FOCUSED, not distracted by hunger or hunting for food.
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Resource Bundle — Credit monitoring sign-up (MyFreeScoreNow — required for entry, $29.95/mo value), downloadable guides, lender contact lists, ITIN application checklist, Hometown Heroes eligibility quiz.
The Experts
Meet Your Expert Panel (Combined 75+ Years of Experience)
Chalamaine Armstrong
Division Vice President, GFS Home Loans · Founder, KissWealthNow · NMLS #259978 ↗
28 years in mortgage financing. Helped 1,200+ families achieve homeownership through creative financing, low-credit programs, and first-time buyer strategies. Specializes in getting "impossible" deals approved. When banks say no, Chalamaine finds a way.
- ✅ Featured lender: Texas State Affordable Housing Corporation (TSAHC)
- ✅ Approved Hometown Heroes lender
- ✅ 5-Star Professional Award Winner
"The 3 mortgage programs that approve 80% of 'credit-challenged' borrowers (and why most loan officers never mention them)"
Andre Coakley
President & Founder, Credit360 Inc. · Amazon Bestselling Author · Licensed Mortgage Loan Officer (NMLS #2189905 ↗)
20+ years across credit, mortgage lending, and financial education. Former principal mortgage broker (2000–2010). Founder of Community Works Coalition, a 501(c)(3) financial literacy nonprofit serving underserved and unbanked communities since 2000. Built Credit360 on a transparent pay-per-delete model — no monthly-fee games.
- ✅ Author, Amazon bestseller: "An Attempt to Repair America's Broken Credit System" ↗
- ✅ Licensed Mortgage Loan Officer — knows BOTH sides: credit repair AND loan approval
- ✅ 25+ years teaching credit workshops — churches, entrepreneurs, youth, returning citizens, future homebuyers
"From credit repair to mortgage-ready: the exact roadmap connecting your credit profile to loan approval, better rates, and down-payment assistance eligibility"
Expert Panel Also Includes:
🧾 Tax Strategy Specialists — Maximize deductions, minimize liability, protect your wealth.
🏦 Banking Partners (PNC Bank) — Business accounts, merchant services, small business loans.
📊 MyFreeScoreNow Affiliates — Credit monitoring, score tracking, dispute tools.
🏡 Real Estate Professionals — Investment strategies, house-hacking, rental financing.
🎖️ Retired NFL/NBA Athletes (Special Guests) — How they built wealth AFTER the game (and the mistakes they made so you don't have to).
Your Host
Meet Your Host — Chekelah Phelps
Founder of HLP Credit Solutions and the driving force behind the Financial Literacy Summit Series.
CP
Chekelah Phelps
Founder, HLP Credit Solutions Corporation
"I built this summit because our community deserves the same financial playbook the banks keep behind closed doors."
Driving force behind the Financial Literacy Summit Series · Mansfield, TX
▶️ 40-second invite — realtors, lenders, title pros & credit specialists, all in one room. Sept 19 · The Green Jacket · Mansfield, TX
📍 Correct venue address: 2000 Matlock Rd Ste 100, Mansfield, TX 76063
🏌️ Bonus Community Event — Sept 18
The 18th Annual Dr. Michael A. Evans Sr. Scholarship Golf Classic tees off the day before the Summit at Tangle Ridge Golf Course, Cedar Hill. Individual $125 · Team $500 · evansscholarship.org
Real Results
Don't Just Take Our Word for It — Here's What Past Attendees Say:
"I came to last year's event skeptical. I left with a pre-approval letter and closed on my first home 60 days later. This changed my family's trajectory."
"Andre's business credit strategy got me $75K in credit lines in 90 days. I used that to buy inventory and 10X'd my revenue. Best $125 I ever spent."
⭐⭐⭐⭐⭐"I didn't have an SSN and thought I'd never own a home. The ITIN workshop changed everything. I'm now in escrow on a 3-bedroom in Cedar Hill."
⭐⭐⭐⭐⭐"The Hometown Heroes program gave me $15K for my down payment. I'm a teacher making $52K/year — I never thought I could afford a house. Now I'm a homeowner."
⭐⭐⭐⭐⭐"VantageScore 4.0 made me 'scoreable' for the first time. My FICO was invisible, but VantageScore gave me a 680. Got approved for a mortgage 3 weeks later."
⭐⭐⭐⭐⭐"I've been to 5 'financial freedom' seminars. This is the ONLY one that actually delivered actionable steps. No fluff. Just real strategies."
⭐⭐⭐⭐⭐"The Q&A panels alone were worth 10X the ticket price. I got answers to questions I've been asking for YEARS."
⭐⭐⭐⭐⭐"My credit score went from 580 to 720 in 4 months using the strategies from this event. Just refinanced my car and saved $180/month."
*Testimonials reflect individual experiences from past attendees and are not typical. Results vary based on your credit history, income, effort, and market conditions. No specific credit score improvement, loan approval, or funding amount is guaranteed. This event provides education, not credit repair services, legal advice, or lending decisions.
🔥 SEATS FILLING FAST
267 Registered · Only 33 Seats Remaining
(Max capacity: 300)
Tickets
Choose Your Experience (Most People Pick VIP)
GENERAL ADMISSION 💼
$125 $89
Early Bird — Ends Aug 15
- ✅ Full-day access (9 AM – 3 PM)
- ✅ All keynote sessions (VantageScore 4.0, ITIN, Business Credit, Mortgage, Tax)
- ✅ 5 Live Q&A panels
- ✅ Breakfast + Lunch included
- ✅ QR-code entry pass via MyFreeScoreNow credit monitoring — 7-day free trial included with your ticket; $29.95/mo after (cancel anytime after the event). You'll pull your live VantageScore 4.0 on-site with it.
- ✅ Resource bundle (digital download)
- ✅ Networking access
VIP PACKAGE ⭐
$249 $199
Early Bird — Ends Aug 15
- ✅ Everything in General Admission PLUS:
- ✅ Priority seating (front 3 rows — ask questions FIRST)
- ✅ VIP-only lunch (private room, exclusive networking with speakers)
- ✅ 30-min 1-on-1 credit consultation (worth $150)
- ✅ Physical resource binder ($47 value)
- ✅ Fast-track ITIN processing (skip the line)
- ✅ Event recordings — lifetime access ($97 value)
- ✅ VIP badge (priority for Q&A)
TOTAL VALUE: $569 · Save $370!
👉 UPGRADE TO VIP (BEST VALUE) →VIP ELITE MASTERMIND 💎
$497
Limited to 20 Attendees Only
- ✅ Everything in VIP Package PLUS:
- ✅ Private pre-event dinner (Sept 18, 6 PM — with speakers + special guests)
- ✅ 60-min private strategy session (post-event Zoom)
- ✅ Speaker group chat access (90 days of Q&A support)
- ✅ Business funding blueprint workbook ($197 value)
- ✅ Priority access to 2027 events (early-bird locked in)
- ✅ Exclusive partnership opportunities
TOTAL VALUE: $1,247 · Save $750!
💎 JOIN VIP ELITE MASTERMIND →💳 PAYMENT PLAN AVAILABLE — VIP: 3 payments of $70 (Total $210) · VIP Elite: 3 payments of $175 (Total $525)
| Compare Tiers | General $89 early bird |
VIP ⭐ $199 early bird |
Elite 💎 $497 · only 20 |
|---|---|---|---|
| Full-day access + all 5 keynotes + Q&A panels | ✓ | ✓ | ✓ |
| Breakfast + lunch included | ✓ | ✓ | ✓ |
| QR entry pass (MyFreeScoreNow 7-day trial) | ✓ | ✓ | ✓ |
| Digital resource bundle | ✓ | ✓ | ✓ |
| Priority seating (front 3 rows) | — | ✓ | ✓ |
| VIP-only lunch with speakers | — | ✓ | ✓ |
| 30-min 1-on-1 credit consultation ($150) | — | ✓ | ✓ |
| Physical resource binder ($47) | — | ✓ | ✓ |
| Event recordings — lifetime ($97) | — | ✓ | ✓ |
| Fast-track ITIN processing | — | ✓ | ✓ |
| Private pre-event dinner w/ speakers (Sept 18) | — | — | ✓ |
| 60-min private strategy session (Zoom) | — | — | ✓ |
| 90-day speaker group chat access | — | — | ✓ |
| Business funding blueprint workbook ($197) | — | — | ✓ |
| Get your seat | $89 → | $199 → | $497 → |
FAQ
You Probably Have Questions. We Have Answers.
Q1: Is this event virtual or in-person?
In-person ONLY. Location: The Green Jacket Indoor Golf, 2000 Matlock Rd Ste 100, Mansfield, TX 76063. We chose in-person because the REAL value is in the live Q&A, the networking, and the on-site support (ITIN applications, credit consultations, lender connections). Zoom can't replicate that.
Q2: What if I can't attend the full day?
VIP ticket holders get lifetime access to event recordings. General Admission attendees can upgrade to recordings for $47 at checkout (order bump). We highly recommend attending live — the Q&A panels and networking are where the magic happens.
Q3: I've been to "financial literacy" events before and nothing changed. Why is this different?
Most events teach WHAT to do. We show you HOW — and help you START the process same-day. You'll leave with: ITIN application in progress (if applicable), credit report pulled and analyzed, lender connections made, business credit vendor list in hand, Hometown Heroes eligibility confirmed. This is EXECUTION, not just education.
Q4: Is the $89 / $199 / $497 price worth it?
Let's do the math: VIP 1-on-1 credit consultation alone = $150 value. Event recordings = $97 value. Resource binder = $47 value. Breakfast + Lunch = $20 value. Access to 5 expert panels = priceless (hiring these experts individually would cost $500+). Total value: $569+ for VIP. You're paying $199. That's 65% off — IF you act before Aug 15. If just ONE strategy helps you qualify for a mortgage, get $15K in down-payment assistance, or access $50K in business credit — your ROI is 100X–500X.
Q5: Who is this event for?
Ages 18-35 aspiring homebuyers, ITIN holders (no SSN? No problem), credit rebuilders (score under 650), first-time homebuyers, business owners stuck at 5-6 figures due to lack of funding, teachers/first responders/veterans (Hometown Heroes $15K assistance), and immigrants who think homeownership is impossible (it's not — we'll prove it). NOT for: people looking for get-rich-quick schemes, crypto bros, or anyone not serious about taking action.
Q6: What makes this different from YouTube videos or free content?
YouTube teaches theory. We provide IMPLEMENTATION. You'll pull your VantageScore 4.0 ON-SITE, start your ITIN application ON-SITE, connect with approved lenders ON-SITE, and ask YOUR specific questions to experts ON-SITE. Plus: the networking alone is worth 10X the ticket. Last year, 3 attendees partnered on a real estate deal they met at this event.
Q7: Will there be "pitching from stage" or upsells?
TRANSPARENT ANSWER: Yes, there will be ONE offer at the end of the event (a credit repair/business funding coaching program for those who want ongoing support). It's optional. You'll get massive value whether you buy or not. We're not one of those "free seminar" scams that holds all the good info hostage behind a $10K program.
Q8: How do I know this will work for MY situation?
We've helped ITIN holders with no SSN get mortgages, credit scores under 600 get approved for loans, teachers making $50K/year become homeowners, and business owners with no credit get $75K in funding. If they did it, you can too. And if you have a unique situation, that's EXACTLY why the Q&A panels exist.
Q9: Can I get a refund if I change my mind?
30-DAY MONEY-BACK GUARANTEE. Attend the full event. If you don't walk away with at least 3 actionable strategies that could generate 10X ROI, email us within 30 days and we'll refund your ticket. No hassle. No hard feelings. (VIP Elite Mastermind dinner is non-refundable due to catering commitments.)
Q10: I'm a complete beginner. Will this be over my head?
NO. The content is broken into levels — from "I don't even know what a credit score is" to "I'm a business owner seeking funding." Every session has something for every level. And the Q&A panels let you ask beginner questions without judgment.
Q11: What's the dress code?
Business casual. Come ready to network — exchange cards, make connections, look professional. (But we're not the fashion police. Comfortable > uncomfortable.)
Q12: What do I need to bring?
Just 3 things: 1) Photo ID (name must match registration), 2) Proof of credit report order OR your QR code (emailed after registration), 3) Notebook + pen. Optional: business cards for networking, questions written down for the Q&A panels.
The Only Question Left Is: Are You In or Out?
267 people have already claimed their seat.
33 seats remain. Early bird pricing ends August 15, 2026.
Choice 1: Do nothing. Stay stuck in the same cycle. Keep getting denied for mortgages. Keep paying rent. Keep watching others build wealth while you stay on the sidelines. (How's that been working out?)
Choice 2: "Think about it" for another week, another month, another year. Meanwhile, the event fills up. Early bird pricing expires. And 6 months from now, you're kicking yourself when you see attendees posting about their new homes, credit scores, and business funding.
Choice 3: CLAIM YOUR SEAT RIGHT NOW. $89 early bird (ends Aug 15). 30-day money-back guarantee. Worst case? You get a great breakfast, a great lunch, and some new strategies. Best case? This is the day that changes your financial trajectory forever.
⏰ Early Bird Pricing Ends In:
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🛡️ 30-DAY MONEY-BACK GUARANTEE
Attend the full event. If you don't get massive value, we'll refund every penny. Zero risk.
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