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Articles about Credit Scores

 

Commercial | March 2019 
Close More Loans by Becoming a FICO Master
FICO credit scores are used by most lenders to determine credit risk and the interest rate that borrowers will be charged. Your clients have three distinct FICO scores from each of the three credit bu...
By Lukas Bull, credit analyst, Prime Commercial Lending

Residential | March 2019 
Fringe Borrowers Deserve Another Look
Key Points An ocean of potential borrowers awaits ...
By Michael Sunnaa, production manager for neighborhood lending, Wallick & Volk

Residential | February 2019 
Reliable Credit Scoring Is Vital for Homebuying
Key Points Evaluating an alternative credit-scoring model ...
By Joanne Gaskin, vice president of scores and analytics, FICO

Commercial | January 2019 
Hard Money Financing Can Be the Path of Least Resistance
American football is a rigid sport. It forces players to work within a structured environment that allows for very little freedom, especially for linemen, whose job is to block the attacking defense. ...
By David Knudson, president and co-founder, Gravity Capital LLC

Commercial | June 2018 
The Quest for a Common Digital Language
Much of the appeal of investing in commercial real estate is that it is a tangible asset. For many lenders, buyers and commercial mortgage brokers assessing multifamily properties, however, what is ev...
By Elliot Vermes, founder, redIQ

Residential | May 2018 
The Power of Being Prepared
As the real estate market and mortgage industries continue to evolve, it’s almost certain that the nature of the business will remain competitive. This creates a compelling reason for mortgage origina...
By Kerry Wirth, chief operating officer, Waterstone Mortgage Corp.

Residential | February 2018 
Uncloak the Financial Invisibles
Are you aware that more than 45 million adults in the United States have no credit score? It is not that these people have bad credit. They simply are not in the credit system. Many mortgage ori...
By Cullen Canazares, CEO and founder, Rental Kharma

Residential | January 2018 
Venture Out of the Credit Box
Just 0.64 percent of all home-purchase loans went to borrowers with credit scores below 600 this past October, according to Ellie Mae. Some 20 percent of consumers, however, had FICO credit scores bel...
By Ray Brousseau, president, Carrington Mortgage Services LLC

Residential | June 2017 
Understanding Diverse Markets
A bank or mortgage company looking to increase its footprint in diverse mortgage markets should examine all aspects of the process that impacts lending performance. Some critical areas to re...
By L. Maria Vergara, president, NAHREP Consulting Services

Residential | May 2017 
The Dream Team
When it comes to reviewing a loan application, nothing short of exceptional teamwork can ensure prompt turnaround times. For many underwriters, this means they must maintain a strong, transparent and ...
By Craig Robertson, vice president of underwriting, Waterstone Mortgage Corp.

Residential | May 2017 
Avoiding Underwriting Pitfalls
It’s an all too common scenario in the mortgage process: A borrower has filed the required documents and feels confident moving forward with the loan, until that borrower is suddenly hit with a ...
By John Pataky, executive vice president, EverBank

Residential | May 2017 
Painting a Full Credit Picture
Helping borrowers purchase the home of their dreams or refinance their existing home often comes down to their credit score. Ads and articles all talk about the importance of credit scores for o...
By Carla Blazek, underwriting manager, Inlanta Mortgage

Commercial | May 2017 
Trust Builds Bridges in Underwriting
The mortgage underwriting process includes a variety of steps, such as verification of the borrower’s financial representations, obtaining an appraisal from an experienced appraiser and, of course, le...
By Jerry Sager, senior managing director, First National

Residential | March 2017 
The New Prime Jumbo
From a mortgage investor’s perspective, the past seven years have not been very exciting. Mortgage loan performance has been nothing but stellar for prime jumbo loans originated post crisis.  In post-...
By Matthew J. Tomiak, managing director, Redwood Trust Inc.

Residential | February 2017 
Stay on the Straight and Narrow With Credit Repair
There is a very narrow path in the law when it comes to credit repair, which is the process of changing or deleting derogatory items on credit reports in order to raise FICO credit scores. The la...
By Dave Schram, president, 740plus Credit Score Repair

 
 

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