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Solutions
Show applicants the best rates and terms with Automated Plans.
Wayfinder™
You don’t need to be an Xpert in all things credit to show your applicants that you’re positioning them to get the best rates and terms.
Know for certain
Closing mortgage loans is fast-paced and competitive. You likely don’t have time to become an expert in the nuances of credit – that’s where we come in. We show you the likelihood of achieving a target score.
Relax, we build detailed plans for you
Over the years our products have analyzed more than 750M FICO credit records. This means we know what actions are likely to drive the score improvements you are seeking for your clients. Our detailed plans help your clients identify changes that could save them thousands.
Share plans with clients in one click
Do applicants know you are doing everything you can to position them for the best rates and terms? Easily share score potential and detailed improvement plans with applicants.
Avoid underwriting surprises
The last thing you want is an unwelcome surprise at underwriting. We highlight actions that could impact an applicant’s score
Latest Credit Insight
You work hard to keep that pipeline growing, but at some point, it just stops. You might find yourself with many potential borrowers, but no one is quite ready to pull the trigger, so you are stuck in a stalemate and not closing nearly as many deals as you'd hoped.
Now what?
The key is to get creative so you never get to this point. You know borrowers are constantly coming and going. Once you close them out, you move on to the next set. That's why a big part of a loan officer's job is always looking for new business.
Consider this scenario: Joe thinks he wants to buy a house but is on the fence. You run his credit for pre-approval and find that what he qualifies for is outside what he's comfortable affording. Normally, Joe would go on his merry way, and you'd continue looking for other clients.
But instead, you encourage Joe to optimize his credit over the next few months. You give him tips on how much money he should save for the down payment or even to buy down his rate. After three months of working with you, he achieves the credit score needed to qualify for a better loan program and rate. He finds his dream house, and you close the loan, all because you offered credit optimization.
This isn't just about Joe. Every potential borrower can benefit from credit optimization, whether they're hesitant buyers, those who don't quite qualify yet, or clients seeking lower interest rates. Even borrowers with high credit scores might find value in optimizing their credit to secure better terms or lower their debt-to-income ratio.
By offering credit optimization services, you're showing potential borrowers that you see them as more than just a number. You're demonstrating that you care about making homeownership a reality in the most affordable way possible. This approach not only helps you maintain a healthy pipeline but also builds the kind of trust that leads to referrals and long-term client relationships.
Think about it: instead of letting potential clients slip away when they're not quite ready, you're providing a valuable service that keeps them engaged and moving toward their homeownership goals. That's the difference between a stagnant pipeline and one that consistently produces results.