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Articles about Credit Scores


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

Residential | January 2017 
Opening the Box on DU 10.0
For more than 20 years, Desktop Underwriter (DU) has been the automated-software program used to qualify borrowers for loans deliverable to Fannie Mae. After a launch this past June, the most recent i...
By Chad Kusner, president, CRR Consulting and Credit Repair Resources LLC

Residential | January 2017 
What Lies Ahead in 2017?
As the years come and go, so do trends in fashion, food, technology and business. From bell bottoms and fusion cuisine to social media and webinars, we usher in new trends and bid farewell to old ones...
By Greg Holmes, national director of sales and marketing, Credit Plus Inc.

Residential | December 2016 
Don’t Fight Over Money, Honey
With 88 percent of young millennial couples stating financial decisions are a source of tension for their relationship, and 51 percent of all couples arguing frequently or occasionally about money, ac...
By Gordon Hui, vice president of strategy, Smart Design

Residential | November 2016 
How to Fix FICO Scores
When your borrowers have FICO scores that come up short of qualifying for their desired loans, you do not necessarily have to move them into lesser loan products or disqualify them outright. A score i...
By Ali Zane, CEO, iMax Credit Repair


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