Termaya Bonham, founder of Moneywise Financial Solutions

TERMAYA.

Bonham.
Credit · Mortgage · Homeownership

Where credit becomes confidence, and confidence becomes keys.

Book a free credit review
30 minutes · No obligation

CLEARER CREDIT, stronger OFFERS — SO THE HOUSE YOU WANT BECOMES THE HOUSE YOU sign for.

In their words

Real files. Real closing days.

Every story below started somewhere rough — collections, a low score, a lender saying no. All of them ended at a closing table.

01.

Sarah M.  ·  540 → 712

“I’d been told my credit was a lost cause. Termaya pulled the report, walked me through every line, and built a plan I could actually follow. Eight months later I was sitting at a closing table.”

02.

Jamal & Tasha  ·  First home

“We thought homeownership was years away. Termaya got our credit mortgage-ready and stayed in our corner through closing. We’re in the house now.”

03.

Devin H.  ·  Pre-approved

“Other places treated me like a checklist. Termaya treated me like a person with a real goal. She rebuilt my credit and my confidence at the same time. Pre-approved within the year.”

Termaya Bonham, financial coaching
Three Ways We Work

Three ways in, depending on where you’re starting.

01   Credit Restoration Intensive

A credit audit and an improvement plan built around your actual file and the score you need to qualify.

02   Mortgage Readiness Roadmap

Pre-approval strategy, lender prep, and homebuyer education. By the time you meet the loan officer, your file is ready.

03   Homeownership & Wealth Building

Real estate consultation, credit monitoring, long-term wealth strategy. The support doesn’t stop at closing day.

Meet Your Coach

Hi, I’m Termaya.

I help individuals and families build the credit, confidence, and clarity they need to own a home. Not just dream about one.

I’ve helped clients turn messy credit files into closing-day handshakes. The mix is credit strategy, mortgage-readiness coaching, and the occasional real estate consult.

Now I’m here to do the same for you. No gatekeeping.

Meet Termaya
Termaya Bonham

The Moneywise difference.

Most credit and mortgage help feels transactional, or worse, gatekept. We work the opposite way.

01.

A plan built for your file

No templated dispute letters, no copy-paste credit playbooks. Your strategy is mapped to your actual report, your timeline, and the score you need to qualify.

02.

You always know where you stand

Monthly check-ins, plain-English updates, real numbers. No surprise fees, no jargon.

03.

Payments that fit your reality

Flexible payment plans so getting your credit and your future on track doesn’t require financial gymnastics up front.

Tools we trust

The partners we put in our clients’ hands.

The platforms we actually put in front of clients. The ones that move credit and savings together.

A credit card resting on a laptop, representing the CreditLikes credit-improvement platform
CreditLikes
Tool 01

CreditLikes: the credit-building engine we recommend first.

A modern credit-improvement platform with the bureaus, the disputes, and the tracking dashboards all in one place. We pair it with our coaching so you’re not navigating it alone.

What it does

Pulls all three bureau reports, identifies the negative items hurting your score, and automates the dispute and follow-up process. Real-time progress tracking so you can see what’s working.

Best for

Clients starting credit repair who want a clear, structured platform instead of a black-box service. Especially powerful when paired with our personalized coaching.

What you get

Active credit monitoring, automated dispute workflows, your own progress dashboard, and ongoing visibility into score movement. Plus our coaching alongside it.

Explore CreditLikes
Tool 02

Novae Money: build the down-payment while you build the credit.

A savings and fintech platform that helps you move money toward your home goal automatically. Credit gets you qualified. The cash to close gets you to closing.

What it does

Automated savings, financial wellness tools, and goal-based money tracking built for everyday people working toward bigger purchases. Like a first home.

Best for

Clients who need to grow a down-payment fund alongside credit work. Pairs naturally with the Mortgage Readiness phase. The cash position matters when you sit down with a lender.

What you get

A savings app you can actually stick with, financial-wellness resources, and a goal-tracker that shows you the down-payment number getting closer every month.

Explore Novae Money
Hands stacking coins on a clean surface, representing wealth-building with Novae Money
Novae Money

Questions?Answers

How long until I see real credit movement?

Most clients see meaningful score movement within 60–90 days, with more substantial change at the 6–9 month mark. Every file is different, so we set expectations on day one based on what we actually see in your report.

What credit score do I need to buy a house?

FHA programs can work as low as 580, but to get the rates and terms that actually save you money long-term, we aim for 640+. We’ll map your target score to your timeline and the home you’re after.

Do I have to pay everything upfront?

No. We offer flexible payment plans built around your actual cash flow. The whole point is that getting help with your financial future shouldn’t require a financial emergency to start.

Will you work with me if my credit is really rough?

Yes. Most of the clients who come to me start in tough spots — collections, charge-offs, low or no credit history. That’s the work. We build from where you actually are, not where you’re supposed to be.

Is the first credit review really free?

Yes. 30 minutes, no obligation, no card on file. We pull your report together, walk through what’s helping and what’s hurting, and you leave with a plan whether or not you decide to work with us.

Do you only work with people in Charlotte?

I’m based in Charlotte and have deep local relationships, but the coaching, credit work, and consultations all run virtually. Clients across the country can work with me the same way.

What if I’m not ready to buy a home yet?

Even better. Coming in early gives us the time to do credit-building right, get your savings on track, and have you walking into a lender already ready, instead of scrambling to qualify at the last minute.

How do you actually communicate with clients?

Direct. Monthly progress check-ins, email and text for quick questions, scheduled sessions for the bigger ones. No surprise fees.

Book a free credit review Book a free credit review Book a free credit review Book a free credit review Book a free credit review Book a free credit review Book a free credit review Book a free credit review Book a free credit review Book a free credit review Book a free credit review Book a free credit review
Your first 30 minutes — on us

Book your free
credit review.

We pull your report, walk through what’s helping and what’s hurting, and you leave with a plan. Whether or not we work together.

  1. 01. A real look at your credit, in plain English.
  2. 02. A personalized starting plan within the hour.
  3. 03. No card on file, no sales pressure.
Or reach out directly (864) 266-3528
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