Reach a 640+ Credit Score
Optimize your credit, get approved faster, and find down payment help, so you can move from renting to owning your home in Florida.
Everything between your credit report and your keys
Optimize your credit
We review your report, find what is holding your score back, and build a clear plan to reach 640 and beyond.
Get approved faster
Get your credit and paperwork ready before you apply, so your mortgage approval moves without surprises.
Access down payment help
We connect you with down payment assistance programs you may qualify for, so you can close with less money out of pocket.
Renter to Homeowner
Stop paying someone else's mortgage. We guide you step by step from renter to homeowner.
Your path to stronger credit in three steps
Apply online
Fill out the free application to book your consultation.
Get your plan
We look at your credit and goals together and map out the steps to a 640+ score and a mortgage approval.
Get mortgage-ready
With a stronger credit profile and your down payment options in view, you're ready to talk to a lender and apply with confidence.
Meet Ezechiel Obil
Founder, The RealtoZEC Team · REALTOR® & Credit SpecialistI started The RealtoZEC Team to help families who are ready to stop renting but held back by their credit. We work with you from your first credit review until your credit is ready for your next big step, so you never have to figure it out alone.
To help every client overcome the credit challenges that stop them from becoming a homeowner, with a clear plan, opportunities to save more money, support and guidance every step of the way.
Real clients. Real results.
RealtoZec helped me boost my credit score by 120 points in just 4 months. I'm now a proud homeowner!
Professional, transparent, and effective. My credit went from 540 to 710 and I got approved for my mortgage.
We thought homeownership was years away. RealtoZec got us mortgage-ready in under 6 months!
These are the experiences of individual clients and are not typical. Your results will depend on your own credit history, how closely you follow your plan and other factors. We do not guarantee any specific score increase, loan approval or timeline.
Let's connect. Start your credit optimization application.
Tell us your goals, timeline and where your score is today. We'll review your credit and reach out with your plan toward 640+ and your new home.