Insights

Spooky season is officially upon us, and while Halloween’s ghosts and goblins are scary, there’s something even more frightening lurking in the shadows: the spine-chilling figures in your applicants’ credit reports.  From eerie errors to ghost-like credit invisibility, many aspiring homeowners’ credit reports need some TLC before they’ll be mortgage-ready. But fear not! Below, we’ll shine a light on these … Read More

Scary Stats About Your Mortgage Applicants’ Credit Reports and How to Fix Them

Insights

While 2024’s challenging market conditions have been difficult for many financial institutions, credit unions have been hit the hardest. Credit unions faced a 31% decrease in lending since the second quarter of 2022, compared to banks’ more modest dip of 11%.  Fortunately, brighter times are on the horizon. Thanks to the Federal Reserve’s recent rate cut, housing inventory and mortgage … Read More

How Credit Unions Can Improve Their Mortgage Lending Process & Get More Business

Insights

Have you heard the news? Mortgage buybacks are on the rise. Freddie Mac’s 2024 mortgage repurchase requests spiked 29.1% from Q1 to Q2, bringing them up to $430 million.  While loan buyback requests are never welcomed, they’re particularly damaging in today’s market. In the face of high mortgage rates and housing affordability hurdles, loan volumes fell to their lowest level … Read More

How to Protect Your Portfolio From Freddie Mac’s Mortgage Loan Buybacks

News

Certified Credit is attending MBA Annual 2024 in Denver, Colorado, where it will showcase its innovative technology and best-in-class customer service. Every year, the MBA hosts its Annual Convention and Expo, the largest gathering of residential real estate financial professionals in the United States. This year, the conference is taking place at the Colorado Convention Center in Denver, Colorado from … Read More

Certified Credit Announces Attendance at the Mortgage Bankers Association (MBA) Annual Convention and Expo 2024 in Denver, Colorado

News

Certified Credit was awarded the 2024 Lender’s Choice Award for Best Customer Service during TMC’s “A Mile Above” Conference in Denver, Colorado. Mortgage solutions provider and TMC-preferred vendor, Certified Credit, was awarded the TMC 2024 Lender’s Choice Award for Best Customer Service. This highly-anticipated conference took place from September 7th to September 10th at the Hyatt Regency Denver at the … Read More

Certified Credit Wins TMC’s 2024 Lender’s Choice Award for Best Customer Service

Insights

Automated valuation models have revolutionized the real estate industry, offering quick and cost-effective property valuations. These sophisticated algorithms crunch vast amounts of data to estimate a property’s worth in minutes. But, how accurate are they really? And what impact are they having on buyers, sellers, and lenders? Over the past decade, AVMs have evolved from clunky tools to sleek, AI-powered … Read More

A Deep Dive into Automated Valuation Models: The Pros, Cons and Impact on the Future of Real Estate Lending