Mortgage partner programme
Turn declined credit files into future approvals. Your client gets a plan. You keep the relationship.
Credispa partners with mortgage lenders and brokers who meet first-time buyers whose mortgage file cannot move forward today because of credit issues. When the credit file is ready, the client can return to you better prepared.
A file declined because of credit is not a permanent loss.
No cost to the referring professional.
Referral fee paid at confirmed enrollment.
You remain the client’s designated mortgage professional.
Credispa notifies you when the file is ready.
What Credispa does
A structured credit-coaching path for declined first-time buyers.
Credispa is a bilingual credit coaching service that helps declined clients understand and correct the credit factors blocking their mortgage approval.
Sherlyne Michel spent 15 years as a Director of Credit and Collections, reviewing files from the creditor side and making approval and denial decisions. Credispa is not a credit repair agency. Clients are coached to understand their own file and correct issues in the order that can produce the clearest progress.
How it works
A simple referral process.
1
You identify
A client whose mortgage file cannot be financed today because of a credit issue.
2
You refer
Submit the referral once the client has consented. Credispa takes over the next step.
3
Credispa coaches
The client receives structured credit coaching, typically over a 3 to 6 month recovery window.
4
You get them back
Credispa notifies you when the profile is ready so the client can return to you.
Client referral form
Refer a client. Credispa will contact them within 2 business days.
This form is for mortgage professionals referring a client to Credispa for credit coaching. The client must consent before the form is submitted.
Elevate your credit score.
Practice
Engage
Notes
Credispa provides personalized credit coaching, and credit education. Credispa does not guarantee any specific credit score improvement, timeline, mortgage pre-approval, or approval by any lender. Results vary by client. The lending decision belongs to the lender.
© 2026 Credispa Consulting Services.
Credispa · www.credispa.ca · Elevate your credit score.