Credit Support

Credit challenges can happen to anyone—and they don’t have to hold you back. I offer supportive, personalized guidance to help you understand, improve, and manage your credit so you can move confidently toward your homeownership or refinancing goals.

Support That Starts with Understanding

Your credit score doesn’t tell your full story or define your future. Whether rebuilding or recovering, I’ll help you understand where you stand and plan realistic, tailored next steps. Together, we’ll navigate what lenders want, how credit affects mortgage options, and how to strengthen your application—without pressure or judgment.

This is for you if:

  • You’ve been turned down for a mortgage or loan and want help improving credit for approval.

  • You want to understand your credit report, what’s affecting your score, and next steps.

Clarity

We’ll review your credit report together so you fully understand what’s on it and why it matters.

Strategy

I’ll help you create a personalized, step-by-step plan to improve your score.

Preparation

We’ll get your finances mortgage-ready—whether that’s for now or further down the road.

Don’t Let Credit Hold You Back

More Than A Number

Improving your credit isn’t about quick fixes—it’s about consistent, strategic steps that lead to lasting change. I’ll help you understand what’s impacting your score and create a plan that works with your reality, whether that means addressing old debts, rebalancing active accounts, or building positive credit habits.

With the right support, you can feel more confident and in control of your financial future. No matter where you're starting from, I’ll meet you there with compassion, clarity, and a commitment to helping you move forward—one step at a time.

Connect with Jenn

The Process: How We Work Together

My process is designed to be simple, informative, and tailored to your unique situation. Here’s what working together will look like:

01.

Initial Chat

We’ll talk through your current goals, concerns, and where you’re at financially.

02.

Credit Review

I’ll review your credit report with you and highlight areas of strength and concern.

03.

Custom Plan

We’ll create a step-by-step improvement strategy that fits your lifestyle and goals.

04.

Action + Support

You’ll take the steps while I check in, support your progress, and adjust the plan as needed.

05.

Ready to Apply

When your credit’s in a stronger place, we’ll move forward with your mortgage options.

TAKE CONTROL TODAY

Let’s Take The Guesswork Out Of Credit!

Reach out for a no-obligation conversation—I'll meet you where you're at and help you build a path to where you want to be. Because when it comes to your financial future, you deserve clarity, not confusion.

Client Testimonials

  • Jenn was recommended to me by my real estate agent for my first home purchase. She walked me threw every step and answered my million questions. She got me an amazing rate and term. She went above and beyond all expectations. I'm glad I was able to use her services and will be sure to do so again in the future. Highly recommended you won't be disappointed.

    —Jason

  • Jenn was recommended to us from quite a few moms in our local moms group. Working with her was one of the best decisions we could have made when we were buying our first home. She is one of the nicest, patient and knowledgeable people we know. She really took the time to explain everything and answered all of our questions whenever we had them. She truly made this experience stress free and enjoyable. If you're thinking about using her for any of your mortgage needs, you will not be disappointed.

    —Mirella W

  • Jenn Locke is highly highly recommended. She is knowledgeable, efficient and extremely hard working. Her quick and efficient communication, her attention to detail and her willingness to find a solution for our family was beyond impressive. Our situation was unique and required a great deal of hard work and she delivered. She is wonderful to speak with, she made us feel comfortable and confident our finances were in the best hands. Highly recommend Jenn Locke Mortgages

    —Jennifer C

  • Although I’d recommended Jenn to friends for years, I finally worked with her in 2025. I needed to refinance while keeping my father on the deed and securing approval on a single income. Jenn guided me clearly, simplified the process, and worked efficiently within my timeline. The outcome exceeded my expectations. Her updates on the financial climate are easy to understand, and her knowledge, passion, and dedication shine. I highly recommend Jenn for anyone looking to mortgage or refinance a home.

    —Vanessa H

  • I can't speak highly enough of Jenn. It was my first experience renewing my mortgage after the rates had gone up. Not only did Jenn get me the best possible rate she put all my anxiety and fears of this uncertain time to rest. Thank you Jenn for all your hard work and professionalism.

    —Andrea R

  • Jenn was incredible, she really took the time to talk to me about my mortgage options and answer all of my many (many) questions. She helped set my mind at ease during a stressful time and got us set up with a mortgage situation we are happy with. She is kind, patient, and understanding. She also completed everything very quickly and efficiently for us, which was needed in our situation. I highly recommend Jenn.

    —DeeDee A

  • Jenn was recommended to us from quite a few moms in our local moms group. Working with her was one of the best decisions we could have made when we were buying our first home. She is one of the nicest, patient and knowledgeable people we know. She really took the time to explain everything and answered all of our questions whenever we had them. She truly made this experience stress free and enjoyable. If you're thinking about using her for any of your mortgage needs, you will not be disappointed.

    —Mirella W

  • Jenn was amazing to work with. She went above and beyond by teaching me about the market, helping me make decisions based on my current situation, and answering my never ending questions. She responded to e-mails immediately and was able to secure me an amazing rate. She made the entire process easy and completely stress free for me. I would highly recommend Jenn to anyone who is looking for a new mortgage or a renewal.

    —Laurie W

  • Jen was friendly and efficient. She walked us through every detail of our mortgage. I know we will reach out to her again when needed.

    —Kim S

  • We had the pleasure of working with Jenn Locke for our mortgage renewal, and the experience was exceptional!! Jenn managed the process with grace, professionalism, and a deep understanding of the market. Jenn was not only knowledgeable but also incredibly communicative, ensuring a smooth and stress-free journey. We highly recommend Jenn for anyone seeking top-notch service and a trustworthy professional. A big thanks for a job well done and thank you!

    —Miya S

  • Jenn helped me buy my first home on short notice and did a great job. She went out of her way to help me even when she was on vacation, and was always quick to respond. She treated me with respect and answered all the questions I had, which were many through the process! She was very professional and found me a good mortgage price. I will definitely use her in future and recommend her to friends buying their first place.

    —Naomi L

  • So glad we reached out to Jenn when it came to the search for our first home . She made us feel comfortable right away and could really trust her to help us with anything we needed or had questions about regarding mortgages and home ownership . Super knowledgeable and friendly , was a pleasure to work with highly recommend!

    —Jeff W

  • Jenn has been so helpful! My partner and I have been looking for creative solutions to reach our financial goals and Jenn has delivered. She works hard for her clients - does the due diligence required and presents all of the options in an easy to understand way. She is responsive and has worked around our busy schedule. I would highly recommend working with her!

    —Kathleen K

  • Jenn was recommended to us by family, and she was the most helpful part of our experience as first time home buyers. We purchased our home through a private sale, and really feel like Jenn went above and beyond in helping us understand the process of not only securing a mortgage, but also buying our home. Jenn was patient with us with all of questions, and was very responsive and always available to us. I would recommend Jenn to anyone, we loved working with her!

    —Jodi K

  • I have been working with Jenn for nearly 10 years over multiple properties and multiple transactions . Jenn is relationship focused , knowledgeable and always able to get it done ! I happily refer any of my colleagues , family or friends to Jenn whenever I can . I look forward to many years of continuing to work together!

    —Dan C

  • Don't go anywhere else! Jenn is knowledgeable, approachable and realistic. She explains options thoroughly and answers all of our questions patiently. We are so happy with the work Jenn has done for us and can't say enough good things about her!

    —Amanda S

  • Jenn is the most patient expert at explaining all issues involved in transferring a mortgage . She made me comfortable and confident that I made the right decision in contacting her. I am thankful.

    —Victoria E

  • We were so happy with Jenn’s efficiency, professionalism, and knowledge while dealing with our mortgage needs. We would 100% recommend her! I have worked in real estate and with dozens of mortgage brokers and have never been more impressed! Thank you Jenn!!

    —Crystal O