How You Can Boost Your Credit Score by Becoming an Authorized User Is your credit score lower than you’d like it to be? Or do you have a limited credit history? If so, you aren’t alone. Whether you are young and have not built credit yet or you just have not had an opportunity to prove your creditworthiness yet, thousands … Read More
Your FICO® credit score is made up of five factors: payment history, credit utilization, length of credit history, new credit accounts, and credit mix. Understanding these factors and why they matter to lenders is a foundational step to maintaining an excellent credit score. When you know what factors impact your credit score, you can make smarter credit decisions and begin … Read More
As a mortgage lender, you’re always on the lookout for new leads and new ways to cultivate a steady stream of new opportunities that enables you to sustain and grow your business. Due to the competitive nature of the mortgage industry, you need to have strategies in place to capture the attention of aspiring homeowners and convince them that you’re … Read More
MBA’s Independent Mortgage Bankers Conference (IMB22) January 24-27, 2022 | Nashville, TN At Certified Credit, we understand that no two Independent Mortgage Bankers (IMBs) are the same. We know that your business requires one-of-a-kind mortgage solutions that meet your unique needs and workflows along every step mortgage lending process from pre-qualification to post-close. As a multi-faceted mortgage solutions partner, we … Read More
This is a crowdsourced article. Contributors are not necessarily affiliated with this website and their statements do not necessarily reflect the opinion of this website, other people, businesses, or other contributors. Mortgage lenders review loan applicants from all walks of life, including those previously convicted of a crime. Deciding whether or not to grant them the loan can be … Read More
As a mortgage lender, you are probably no stranger to fraud. In fact, nearly 1 in 120 mortgage applications contain fraud1. Fraud can come in many different forms, but with the increasing digitalization of the loan application process, mortgage lenders need to be especially watchful of potential fake employers and pay stub scams. That’s why Verification of Employment (VOE) for … Read More
