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Tag Archives: Credit Scores

The Evolution of Housing Wealth

What are the shifts in the distribution of housing wealth and how has it evolved after the Great Recession? A research by the New York Fed found some compelling answers.

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Low Credit Scores Add Up

credit scoring

A “fair” credit score between 640 and 679 could cost a borrower around $720 a year in extra mortgage payments than a borrower with an “excellent” score, according to a new Zillow study. Zillow analyzed Annual Percentage Rate (APR) terms ...

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Three Factors Impacting the Housing Market

Mat Ishbia, President and CEO, United Wholesale Mortgage explains the three key factors that are affecting the housing market and how their impact can be felt in the latter half of the year in this video.

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10 Cities With the Best and Worst Credit Scores

A new report by WalletHub shows that when it comes to solid credit, residents of several cities in Florida and California have the edge on the rest of the country. The firm compared the median credit scores of residents in ...

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Mortgage Offer APRs Trending Higher

LendingTree has released its latest Mortgage Offers Report, breaking down the lending landscape for February 2018. The Mortgage Offers Report serves as a useful companion to other standard industry surveys on mortgage rates because, as LendingTree points out, “Most quoted ...

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Scoring the Unscorable

Editor's note: This story was originally featured in the February issue of DS News, out now. Following the credit crisis of 2008, the economic recovery has stabilized consumer credit markets and led to a rebound of credit availability for consumers. Despite a ...

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Credit Where Credit is Due

The Federal Housing Finance Agency recently released a Request for Input seeking feedback about the possibility of changing the credit scores the GSEs requires lenders to use to evaluate borrowers. According to the FHFA’s press release, “The Enterprises currently use ...

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Average Credit Scores for Potential Homebuyers Dip

The credit score for all borrowers dipped to 722 in November 2017 from 728 in November 2016, according to a report released by Ellie Mae, a cloud-based platform provider for the mortgage finance industry, on Wednesday. The report, which also ...

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FHFA Credit Changes Could Expand Homeownership

With the Enterprises considering major changes when it comes to GSE credit score standards, a FICO representative says they welcome the competition—so long as it’s fair.

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