Spencer Gabriel Gillet

Clients can expect clear communication, honest guidance, and a smooth, stress-free process from application to closing. I pride myself on always being available for clients when they have questions.

Guide them step-by-step with a clear credit improvement plan — reviewing their report, identifying quick improvements, reducing utilization, correcting errors, and creating a clear purchase timeline.

I encourage it. The earlier we start the conversation, the better prepared my clients are when the time is right.

To start the process, clients typically need recent pay stubs, W-2s or tax returns from the last two years, bank statements, a photo ID, and information on any debts or assets.