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We know there is a lot to think about when purchasing a home, and knowing the fundamentals of each loan type is paramount. Check out our article to see which might be best for you.

Matt Hydrew, CreditXpert VP of Sales, shares insights and a product demonstration of CreditXpert Wayfinder on HousingWire Virtual Demo Day hosted for mortgage originators on Thursday, September 2, 2021.

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.

Don’t let the government’s new LLPA fees make you pay more. Learn how to become a stronger borrower by improving your credit score.

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.

The world of consumer credit scores can be complex and confusing. Understanding the credit scores basics, and the different types of credit scores, is an essential personal finance skill that starts with knowing you may have four or more scores. They’re all different!

On May 1 DTI joins the list of LLPA characteristics, so it becomes especially important to offer credit score improvement to all borrowers whose debt-to-income ratio is 40% or greater. Credit score improvement won’t reduce debt-to-income. It could, however, help off-set the DTI premium for these borrowers. We know that a Credit First strategy, where credit score improvement, is offered to every eligible borrower, is a true hidden winner, one that will enhance every lender’s bottom line as well as help offer borrowers a better, more competitive rate. The math is simple. So is credit score improvement thanks to CreditXpert’s time-tested, data-centric approach.

CreditXpert, the predictive credit score platform that helps mortgage lenders extend better, more compelling financing options to every applicant, is proud to announce that NOVA Home Loans is the first lender to go live with its new enterprise platform. CreditXpert's latest offering will help lenders boost efficiency with AI, quickly compare improvement plans, track applicant progress, and manage usage through a cloud-based dashboard.

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.

A 30-year fixed rate mortgage is a type of home loan in which the interest rate stays the same for the life of the loan, typically 30 years. A fixed rate mortgage offers stability, as the monthly payment remains the same, even if interest rates rise in the future. Like all mortgage loans, fixed rate mortgages are amortized, which means that they are paid off over time through regular payments that include both interest and principal.

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.

Mortgage affordability is the simple measure showing the median home prices as a multiple of median household income. Simply stated, housing affordability is a measure of, whether a typical family earns enough income to qualify for a mortgage loan on a typical home at the national and regional levels based on the most recent price and income data.

CreditXpert has been used as a very tactical tool up until this point — we're trying to change that. Everyone should get the option of bettering their credit score, systematic use could be key to growing profitability.

While wrapping our heads around the state of the mortgage market and where it’s headed this year, we wanted to check in on rates and the impact credit scores have on them. We first noticed in September 2022 that lenders were not passing along the advantage higher credit scores afford lenders vis a vis the Fannie Mae/Freddie Mac loan level price adjustments (LLPA).