Partner with a boutique credit consultant your clients will thank you for.
A referral partnership built for Realtors, Loan Officers, and Mortgage Brokers serving San Francisco and the Bay Area.
Who this partnership is for
Realtors
Buyers who love a home but aren't credit-ready for the financing conversation yet.
Loan Officers
Applicants who need preparation and education before a file can move forward.
Mortgage Brokers
Clients worth keeping in your pipeline instead of losing to time.
How referrals work
- 01
Submit the referral
Send us the client's details using the form below, with their consent to be contacted.
- 02
We reach out
Monica personally contacts the consumer, introduces the process, and answers questions.
- 03
Review & plan
The client receives a credit review and a personalized action plan built around their goals.
- 04
Progress updates
With the client's permission, we keep you informed as they work through their plan.
- 05
Back to you
When the consumer is ready to continue, they return to you — the professional who referred them.
Your client remains your client.
We help educate and prepare the consumer while respecting the relationship you've already built.
- Realtor / Loan Officer
- Client needs credit guidance
- Miranda Financial Solutions
- Personalized credit action plan
- Client continues preparation
- Return to Realtor / Loan Officer
Benefits of partnering
- Keep clients in your pipeline instead of losing them
- A professional, education-first resource you can stand behind
- Clear, transparent pricing you can explain with confidence
- Bilingual support in English and Spanish
- Personal communication — your client speaks with Monica directly
- Consumers return to you when they're ready to move forward
Submit a client referral
Please confirm your client has agreed to be contacted before submitting.
Partner FAQs
Do you pay referral fees?
No. We do not pay or accept fees for referrals. The partnership is built on giving your client a professional resource, in line with applicable law.
Will you take my client?
No. Your client remains your client. Our work is credit education and preparation, and we direct the consumer back to you.
How long does preparation take?
It depends entirely on the individual profile and goals. Some consumers need a few weeks of clarity; others follow a longer plan. We never promise a timeline or a result.
Do you guarantee approval or a score increase?
No. We do not guarantee mortgage approval, deletions, or any specific credit score outcome. We provide education, review, and strategy.
What do you need from the client?
Their consent to be contacted and access to their credit reports so we can conduct a complete review.
Do you work in Spanish?
Yes. Every consultation, document, and conversation is available in English or Spanish.