For Loan Officers, Realtors & Their Buyers
The Closing Bridge: Credit Strategy From “Not Yet” to Closing
When a buyer's credit doesn't qualify yet, the deal doesn't have to end. Lenders refer those buyers to FIG Restoration. We build the plan to get their scores where the lender needs them, then stay with them until they close.
✓ Month-to-month ✓ Cancel anytime ✓ One-on-one with Moncy ✓ Houston & nationwide
Why It Exists
A “Not Yet” From the Lender Doesn't Have to Be the End
Most buyers who hear “not yet” from a lender are left on their own. They don't know which items matter, what to pay first, or how long it will take. Many give up, and the deal disappears.
A “not yet” is a starting point. Closing is the finish line.
The Closing Bridge gives buyers a Credit Strategist for the whole stretch. We build their scores to qualify, then keep building and protecting them after pre-approval, so nothing changes before closing.
What's Included
Structure From the First Referral to Closing
One-on-One Credit Strategy
Ongoing guidance from Moncy Hawkins, CFEI, from the day the lender refers the buyer until the day they close.
Partner Updates
With your client's written permission, we keep you informed on their credit readiness so there are no surprises before closing.
Clear, Month-to-Month Pricing
Audit fee from $399, then $99 to $149 a month based on the household. No long contract. Cancel anytime. See full pricing.
Built Around the Household
Every plan follows The FIG Restoration Method™ and fits the buyer's timeline, goals, and lender requirements.
Who It's For
Built for Buyers on the Road to Mortgage Approval
✓ Buyers whose credit scores don't qualify yet
✓ Buyers a lender has referred to raise scores or address specific items
✓ Pre-approved buyers who need to keep building or protecting their scores until closing
✓ Households that want a professional guiding every credit move
Not working with a lender yet? Start with Credit Repair for Homeownership and a $97 Credit Strategy Session.
For Loan Officers & Realtors
Your Buyer Isn't Ready Yet? Send Them to Us.
Refer buyers whose credit doesn't qualify yet, or pre-approved buyers who need to keep building. Call or email with your client's name and goal.
1. You refer the buyer.
2. We review their credit and build a plan to get them qualified.
3. With your client's permission, we keep you updated until closing.
Who You're Working With
Led by Moncy Hawkins, CFEI, Credit Strategist
FIG Restoration is a Texas-registered and bonded household credit strategy firm. Since 2017, Moncy Hawkins, CFEI, has helped 1,000+ individuals and families rebuild credit and qualify, working alongside the lenders and realtors who refer them. She brings 20+ years of corporate finance experience and her own story of rebuilding her credit twice.
Closing Bridge Questions
Questions Lenders, Realtors & Buyers Ask
What is The Closing Bridge?
The Closing Bridge is a month-to-month credit strategy program from FIG Restoration for buyers working toward a mortgage. Lenders refer buyers whose credit doesn't qualify yet. We build their scores to qualify, then stay with them through pre-approval and closing.
How much does it cost?
Enrollment starts with an audit fee from $399, then $99 to $149 a month based on the household. It's month-to-month, so buyers can cancel anytime. Full pricing is on our Services page.
How is this different from credit repair?
Credit repair focuses on disputing items. The Closing Bridge is a full strategy tied to the lender's requirements: building scores to qualify, then protecting them until closing.
My client is already pre-approved. Do they still need this?
Often, yes. Scores can still move between pre-approval and closing. A new inquiry, a late payment, or a high card balance can change what the lender approved. We help buyers keep building and protecting their scores until they close.
Does The Closing Bridge guarantee mortgage approval?
No. Lenders make approval decisions, and no honest firm can guarantee one. What we provide is structure: a Credit Strategist guiding every credit move so your buyer is in the strongest position possible.
Don't Let Credit End the Deal
Refer a buyer to The Closing Bridge, or start with a Credit Strategy Session if you're buying a home yourself.
Book a Credit Strategy Session — $97Referring a client? Call (713) 425-3972 or email erhawkins@figrestoration.com · Monday–Friday, 10am–6pm
You have the right to improve your credit yourself. Results vary based on credit history, participation, and creditor responses. No specific outcomes or timelines are guaranteed.