Xpert tips for using CreditXpert products, super user spotlights and more.

Ken met with a client whose credit appeared to be exceptional. With interest rates at historic lows, the client wanted to refinance their mortgage.

Mark’s client needed to raise her credit score from 590 to 640 – just 50 points – to have a chance for an FHA loan. Most of her debt was due to credit card balances. Mark used CreditXpert® What-If Simulator™ to look for ways to pay down the debt that wouldn’t require a lot of funds.

Rod’s client was eager to secure a loan for a vacation home. When Rod pulled the credit report, he noticed that the score was 698 – 18 points less than what his client saw on a free credit score site.

Sheri Kagimoto, a mortgage loan originator at Aligned Mortgage Hawaii of Waipio, Oahu, was working with a client who was eager to purchase a property.

Sean Bunevich, a mortgage loan originator with Union Savings Bank in Ohio, was working with a customer who wanted to refinance her FHA loan to avoid paying mortgage insurance (PMI).

A mortgage loan originator, Scott Jongsma with ChoiceOne Bank in Michigan, began working with a young newlywed couple referred to him by their real-estate agent, a longtime referral source.

Warren Alcorn, branch manager and team lead of Alcorn Mortgage Team at TruLoan Mortgage in Athens, Georgia and 28-year mortgage industry veteran, had a client who wanted to buy his first home.