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Shopping Your Home Loan and Your FICO Hits
November 6th, 2018 9:07 AM by Anne James
Getting pre-approved for a home loan purchase doesn't have to cost you more than 4 FICO points for a 'hard inquiry.' Once you've let your loan broker or loan officer run your credit, you should know your real FICO score-not the Credit Karma or credit card FICO reported so often inaccurately from a Residential Mortgage Credit Report that should be handed to you in a two-page summary and reviewed for issues with your 'first-choice broker' or lender.
After you know your RMCR FICO score, the middle of the three scores and the lowest middle of two or more borrowers, you can shop rates confidently by comparing rates for the loan on the same day with two or three lenders. The is rates change daily so be sure and ask for your LOAN ESTIMATE from the lenders on the same day.
About running that RMCR report with your 'First-Choice' lender: Get the FICO scores and review or choose another lender. The rest should go off your Consumer two-page FICO scores you are entitled to recieve.
Happy hunting and remember, you have only 14 days to recieve full lender approval once you make a successful offer on a home so get that pre-approval first!
Posted in:
New Day 100 VA Loan, VA Loans, Shopping Home Loan
and tagged:
FICO
ShoppingRates
BestRatesVA
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Posted by Anne James on November 6th, 2018 9:07 AM
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