Architecting
Generational Wealth
Through Credit Power.
Chekelah Phelps is Texas’s premier consumer credit educator, mortgage readiness architect, and CEO of HLP Credit Solutions. Empowering thousands of families to delete non-compliant reporting items, capture up to K in Texas down payment grants, and establish lasting financial freedom.
The 4-Pillar Financial Empowerment System
Engineered by Chekelah Phelps to take clients from mortgage denials to guaranteed approvals, down payment subsidies, and scalable business funding.
Metro 2 Credit Repair
Factual electronic challenges under the Fair Credit Reporting Act (15 U.S.C. § 1681) to permanently delete inaccurate collections, late payments, repos, and charge-offs.
Texas Grants (K–K)
Full-service navigation of TSAHC Homes for Texas Heroes, TDHCA My First Texas Home, and City of Dallas/Arlington municipal down payment grants.
ITIN Portfolio Mortgages
Structuring verifiable credit histories for Individual Taxpayer Identification Number (ITIN) holders to access 3.5%–5% down portfolio financing without an SSN.
Corporate Business Credit
Building an 80+ PAYDEX score on Dun & Bradstreet across Tier 1 through Tier 4 vendor tradelines to unlock up to K without personal guarantees.
Real DFW Homebuyer Success Stories
Marcus & Tonya D.
Attended the Arlington Workshop presented by The Odhams Real Estate Group & HLP Solutions. Removed an inaccurate auto repossession deficiency notice and unlocked ,800 in Arlington down payment assistance.
The Richardson Family
Denied for an FHA mortgage due to 3 medical collections. Chekelah’s team deleted all 3 under Metro 2 rules and qualified the Mansfield ISD educator for a 100% forgivable ,250 grant.
Carlos & Elena G. (ITIN)
ITIN taxpayers with old collections. HLP removed 4 non-compliant collection tradelines and guided them into a ,000 Dallas DHAP subsidy to buy their dream family home.
Find Out How Much Down Payment Grant Aid You Qualify For in Texas.
Match your income, profession, and credit profile with over M in available state and local funding programs (TSAHC, TDHCA, and municipal first-time buyer pools).
Official brick-and-mortar learning facility offering 1-on-1 private credit audits and homebuyer workshops.
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