Chekelah Phelps
CHEKELAH PHELPS HLP Credit Solutions · CEO
Local Texas Credit Services · Mansfield, TX (Tarrant & Johnson County)

Top-Rated Credit Repair & Homebuyer Readiness in Mansfield, Texas

Corporate Headquarters at 99 Regency Parkway in Mansfield. Helping South DFW families delete negative collections, optimize VantageScore 4.0, and unlock up to $15K in Texas homebuyer grants.

πŸ“

Local Mansfield, TX Focus

Direct access to local credit educators and Texas-approved mortgage loan officers.

βš–οΈ

Certified Metro 2 Disputing

Full compliance with FCRA and FDCPA laws for fast removal of inaccurate items.

🏑

Texas Grant Specialists

Optimizing credit profiles to unlock the full $15K in TSAHC assistance.

Community Coverage

Serving All of Mansfield, TX

Chekelah Phelps and the HLP team provide personalized credit consultations, tradeline strategy, and lender pre-approval guidance across all local neighborhoods:

βœ“ Historic Downtown Mansfield
βœ“ Walnut Creek Valley
βœ“ Heritage Parkway Corridor
βœ“ Broad Street Commercial Center
βœ“ Lowes Farm
βœ“ Country Club Estates
πŸŽ“ School District Support: Mansfield ISD (Special Down Payment Grants for Educators & Staff)
Down Payment Assistance

Local Mansfield, TX Programs

TSAHC Homes for Texas Heroes ($15K Grant) Up to $15,000

100% forgivable gift grant for Mansfield ISD teachers, police officers, firefighters, and healthcare professionals.

Tarrant County Housing Assistance Program Up to $10,000

Down payment and closing cost subsidy for qualifying Tarrant County homebuyers.

TDHCA My First Texas Home Up to 5% of Mortgage

30-year fixed rate mortgage paired with 0% interest soft second lien assistance.

Verified Local Transformation

The Richardson Family (Mansfield, TX)

Initial Score 578
βž”
Final Score 686 (+108)
⏱️ Timeline: 54 Days πŸ’° Grant Unlocked: $14,250 TSAHC Grant

Denied for an FHA mortgage due to 3 medical collections and high credit card utilization. Chekelah’s team challenged the collections under Metro 2 compliance rules (deleting all 3) and restructured their revolving debt. In under 60 days, they were approved for a 4-bedroom home near Walnut Creek with zero out-of-pocket down payment.

Frequently Asked Questions for Mansfield, TX

Where is HLP Credit Solutions located in Mansfield?

Our corporate headquarters is located at 99 Regency Parkway, Suite 305, Mansfield, TX 76063. Consultations are available both in-person and virtually.

How long does credit repair take for Mansfield homebuyers?

Most Mansfield clients see significant removals and score improvements within 45 to 90 days, enabling them to transition smoothly into home loan pre-approval.

Can Mansfield ISD teachers qualify for down payment grants?

Yes! Full-time Mansfield ISD educators and school personnel qualify for up to 5% of the purchase price ($15,000+) in 100% forgivable grant assistance under the TSAHC Homes for Texas Heroes program.

Start Your Mansfield, TX Credit Transformation Today

Pull your 3-bureau report on MyFreeScoreNow or schedule a private strategy consultation with Chekelah Phelps.