The best loan program starts with a CreditXpert plan.

You’ve already invested in pulling their credit — don’t let a 540 score be the end of the conversation. With Credit Optimization, these applicants can gain +60 points, reaching a 600 and crossing the threshold into FHA eligibility. On a $171,000 loan, that score improvement drops their rate from 8.00% to 7.25%, saving them $88/month and $31,758 over the life of the loan. These borrowers aren’t lost leads — they’re future closings worth nurturing.

For 16% of your applicants, the difference between a denial and a closing is closer than you think. Starting at a 560, a +40 point boost gets them to 600 — the qualifying threshold that changes everything. On a $250,500 loan, that jump from 7.75% to 7.25% saves $86/month and $30,871 over the life of the loan. You’ve already paid for the credit report. Credit Optimization helps you turn that cost into a closed deal.

These applicants are already in the game — they just need a better seat at the table. A +80 point improvement moves them from a 620 to a 700, unlocking meaningfully better rates and lower PMI. On a $251,700 loan, the rate drops from 7.00% to 6.625%, delivering $205/month in combined savings and $38,167 over the life of the loan. The credit report is already purchased — Credit Optimization ensures it’s working as hard as it should be.

These borrowers already qualify for a conventional loan, but why settle? A +60 point gain from 660 to 720 opens the door to jumbo loan eligibility and dramatically better terms. On a $900,000 loan, the rate drops from 7.50% to 7.00%, slashing $703/month in combined P&I and MI savings — and $115,011 over the life of the loan. The credit has been pulled. Now maximize what it can do.

This is your largest opportunity — half of all applicants are already in the 700s, but there’s still significant room to optimize. A +60 point move from 700 to 760 takes a borrower from 7.50% down to 7.00%, saving $139/month in P&I and MI on a $318,000 loan — and $27,705 over the life of the loan. These are your most competitive borrowers, and they’re likely rate shopping. You’ve already paid for their credit report — Credit Optimization helps make sure you’re the one who closes them.

You’ve already paid for the credit report — make it work harder for you. The CreditXpert Playbook shows you exactly how to turn that investment into more closed loans. With Credit Optimization, up to 54% of borrowers in the 660–699 range can reach the 700s, unlocking lower rates, reduced PMI, and decreased LLPAs — saving borrowers up to $703/month. Stop leaving money on the table and start closing more deals.