HomeAbout MarianeCalHFASpeed Close90-Day PathInsuranceCalculatorDSCR Investor LoansAfter Your CloseNorCal CitiesFor AgentsReviewsBlog
Get Pre-Approved →
90-Day Path to Homeownership

From challenged credit
to your keys in 90 days.

This isn't credit counseling. It's a structured monthly program — three phases, clear milestones, and Presto guiding you every step. If you're not ready today, we build a path that gets you ready fast.

Start My 90-Day Path →
Who this is for

You want a home.
The credit isn't there yet.

Maybe you've been turned down before. Maybe your score is close but not quite. Maybe you don't know what's holding you back. The 90-Day Path is for anyone who has the desire and income to own a home — but needs to clean up the file first.

  • Credit score below 620 — the conventional floor
  • Collections, late payments, or a previous derogatory event
  • High debt-to-income ratio that needs reduction
  • Thin credit file with limited history
  • Divorce or separation that affected your credit
  • You've been told to "wait 6 months and try again"
What this is not

Not credit counseling.

Credit counseling agencies charge fees, offer generic advice, and have no skin in the game when it comes to your loan. The 90-Day Path is a mortgage-focused program run by Mariane's team — every action is taken specifically to move you to an approvable loan profile.

◎

Presto is paid when you close a loan — not for counseling. Our incentive is your approval, not our hourly rate.

The Program

Three months.
Three phases. One result.

Month 1

Credit Audit & Rapid Rescore

  • Full tri-merge credit report review
  • Identify all disputable items
  • Rapid rescore on correctable errors
  • Collections strategy (pay vs. dispute)
  • Establish target score by Month 3
Month 2

Debt Reduction & Product Pre-Selection

  • DTI reduction plan (which debts to pay, in what order)
  • Utilization management to maximize score impact
  • Pre-select the right loan product for your profile
  • CalHFA eligibility confirmed or ruled out
  • Down payment strategy confirmed
Month 3

Final FICO Check & Application

  • Final credit pull — confirm target score reached
  • Complete mortgage application
  • Pre-approval issued
  • Home search begins
  • Presto's fast-close process takes it from here
How Presto Guides You

You won't do this alone.

From the day you enroll, Presto's AI system keeps you on track with consistent check-ins, reminders, and milestone updates. Every step is clear. Every question is answered.

  • Personalized action plan delivered on Day 1
  • Weekly progress check-ins via SMS or email
  • Milestone alerts — "You've cleared 2 collections. Score impact: +18 pts"
  • Direct access to Mariane's team for any questions
  • Real-time loan product recommendations as your profile improves

The 90-Day guarantee

If you follow the plan, you will be mortgage-ready within 90 days — or we'll tell you exactly what still needs to happen and extend the program at no cost. Presto doesn't win unless you close.

Pairs perfectly with CalHFA

Many 90-Day Path clients discover they qualify for CalHFA Dream For All or other down payment assistance programs by Month 3. If vouchers are still available, Presto is already approved to move fast.

90 days from today,
you could have your keys.

Start with a free evaluation. Tell us where your credit is. We'll map the fastest path to an approvable file.

Start My 90-Day Path →