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By | March 13, 2024
“We have thousands of mortgage originators that currently rely on CreditXpert tools like Wayfinder and What-if Simulator. These credit optimization tools allow our clients to close more loans, lower the cost of homeownership and improve their margins,” said Xactus President, Shelley Leonard. “Working with CreditXpert to enable their new platform supports our commitment to helping lenders access tech that enables a modern mortgage experience.”
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By | June 10, 2024
When lenders offer to help borrowers optimize their credit and either qualify for a loan they otherwise would not have or get a better deal on a loan they were already qualified for, it builds trust and provides other emotional benefits that result in more business for the lender.
But that’s not all it does.
![homebuyer optimizes credit using CreditXpert](https://creditxpert.com/wp-content/uploads/2024/05/Takes-to-Opti-Credit-Blog-Insights.jpg)
What It Takes to Optimize Credit: Just One Click
By | May 24, 2024
There are other reasons lenders should lean in here as well, including the money they can save on LLPA premiums when credit scores are higher and the money they can save their borrowers on PMI, should they need it and possibly lower homeowner insurance premiums.
But how can they do it? It may surprise you to know that optimizing credit is so simple, it takes just one click.
![mortgage insurance, for lenders and borrowers](https://creditxpert.com/wp-content/uploads/2024/05/insurance-blog-for-insights.jpg)
By | May 6, 2024
Mortgage insurance is a lender's protection in case a borrower defaults on a loan. It's included in monthly mortgage payments and is critical for loan approval. The kind of mortgage insurance—PMI for conventional loans or MIP for others—depends on the loan type. PMI is mandatory when the down payment is below 20% and can be canceled once equity reaches 20-22%. There are different PMI payment plans, with Borrower-Paid PMI being a prevalent option that divides the annual premium into monthly installments.
![mortgage credit being explained to homebuyers and borrowers](https://creditxpert.com/wp-content/uploads/2023/09/mortgage-credit-v-consumer-credit.jpg)
Mortgage Credit Score vs Consumer Credit Score
By | May 6, 2024
Uncommon knowledge: Mortgage and consumer credit scores are quite different. What's different? How are each calculated? Why are there two scores?
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By | May 1, 2024
Refinancing can lead to substantial savings, particularly if we enter a period of lower interest rates. The decision to refinance should be based on a comprehensive assessment of your financial situation, not merely the desire to snag a lower rate. Strong credit and careful consideration of all related factors will help ensure that refinancing your mortgage is a financially sound choice.
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By | March 27, 2024
Unlocking the American Dream of homeownership is within reach, and understanding the ins and outs of mortgage qualification is key to securing the future. With over two decades of experience, CreditXpert has been revolutionizing the way lenders assess mortgage applicants’ creditworthiness, creating opportunities for more individuals to achieve their homeownership goals. This comprehensive guide also delves into the fundamentals, including the 3 C’s of mortgage lending and the crucial components of a credit score.
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Credit Potential Index – January 2024
By | March 25, 2024
CreditXpert analyzes millions of mortgage credit inquiries each month. We use our proprietary predictive analytics engine to help thousands of mortgage loan originators highlight the potential score increase their applicants may be able to achieve within 30 days by completing a custom action plan.
![](https://creditxpert.com/wp-content/uploads/2024/03/dec-23-insights.jpg)
Credit Potential Index – December 2023
By | March 25, 2024
CreditXpert analyzes millions of mortgage credit inquiries each month. We use our proprietary predictive analytics engine to help thousands of mortgage loan originators highlight the potential score increase their applicants may be able to achieve within 30 days by completing a custom action plan.
![](https://creditxpert.com/wp-content/uploads/2024/03/nov-23-insights.jpg)
Credit Potential Index – November 2023
By | March 25, 2024
CreditXpert analyzes millions of mortgage credit inquiries each month. We use our proprietary predictive analytics engine to help thousands of mortgage loan originators highlight the potential score increase their applicants may be able to achieve within 30 days by completing a custom action plan.
![](https://creditxpert.com/wp-content/uploads/2024/03/Pay-Yourself-2X-Blog-Post-Image-3.11.24.jpg)
By | March 13, 2024
Are you one of the 50% of mortgage borrowers who apply with multiple lenders in pursuit of the best rate and terms? If so, you're not alone. We recently surveyed borrowers and found that half believe applying with several lenders is the key to securing the most favorable mortgage deal.
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What Credit Score do Mortgage Lenders Use?
By | February 23, 2024
As a lender, the initial factor to consider is the credit score of a borrower. This metric assesses whether an individual is eligible for your loan offerings or if they require an enhancement of their credit status to qualify. While lenders might utilize various scoring systems, the ultimate objective remains consistent: to verify that borrowers have the financial capacity to manage their mortgage repayments.
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By | January 31, 2024
Mortgage lenders experienced a rude awakening when, after years of neglect thanks to historically high refinance volume, they reached out to touch bases with their real estate agent business referral partners. The relationships they thought they would easily rekindle were no longer there.
When loan volumes fell, real estate agents who hadn’t heard from a mortgage broker or loan officer in years were suddenly getting multiple invitations to coffee or lunch every day. They ignored most of them.
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By | January 8, 2024
What happens to Wayfinder and What-if Simulator after October 1, 2024? CreditXpert has traditionally been distributed through Credit Reporting Agencies (CRAs) and accessible to mortgage professionals as they order credit and verification services. Starting October 1, 2024, Wayfinder and What-if Simulator will be sunsetted and no-longer available for purchase through CRA’s. Instead, the new CreditXpert platform will be offered directly through CreditXpert.