Free Credit Analysis
Know exactly where you stand. Your coach reviews your full credit profile and shows you what lenders see. No guesswork.
KeyTurner Program
Own Your Dream Home.
We'll Help You Get There.
A free credit-coaching program that prepares your finances so you're ready to buy at On Top of the World.
Our KeyTurner Program answers all three questions, pairing you with an expert coach who maps a simple, personal path to your new home.
What KeyTurner Does for You
You're paired with a personal credit coach who helps you get mortgage-ready one step at a time, at no cost to you.
Loan Application Support
Strengthen your application. We help you troubleshoot the details and position it so it’s ready for approval.
Credit Improvement
A clear plan to raise your score. Follow simple, personal steps to repair and build your credit before you buy.
Debt & Budget Guidance
Resolve debt, build a budget. Tackle what you owe and set a realistic plan that fits your life and your goals.
Five Steps to Your New Home
Your credit coach guides you through each step, so you always know what's next and never feel lost.
Choose Your Home
Find the home that fits. Your community specialist introduces you to your credit coach.
Map Your Plan
Your coach reviews your full financial picture and builds a personal plan around your goals.
Stay on Track
Your coach sets clear milestones and timelines, with regular check-ins to keep your progress moving.
Optimize Your Finances
A new credit analysis captures your improved standing, confirming how far you've come and that you're mortgage-ready.
Welcome to Homeownership
Celebrate completing KeyTurner. You're financially ready to unlock the door to your dream home at On Top of the World.
Frequently Asked Questions
Answers to the questions buyers ask us most. Don’t see yours? Reach out, we’re glad to help.
Our Home to Sell program offers a reduced listing rate and helps you value your current home. Once you know your likely sale price and remaining equity, we help you time the sale with your new purchase, including bridge options if there’s a gap.
A lot. Lenders use your score to set your interest rate, and a higher score usually means a lower rate and a lower monthly payment. Raising it before you buy can save you real money over the life of the loan.
We can work with you on a payment plan to bridge the gap until your funds free up, and connect you with preferred lenders to plan around your investments.
Yes and it can be smart. Buying now lets you lock in today’s price and rate and benefit from any future appreciation. We’ll help you make sure the timing fits your retirement plan.
It can be. Meet with one of our preferred lenders to review rates and your personal finances, then decide with the full picture in front of you.