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Unlocking the American Dream of homeownership is within reach, and understanding the ins and outs of mortgage qualification is key to securing the future. With over two decades of experience, CreditXpert has been revolutionizing the way lenders assess mortgage applicants’ creditworthiness, creating opportunities for more individuals to achieve their homeownership goals. This comprehensive guide also delves into the fundamentals, including the 3 C’s of mortgage lending and the crucial components of a 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.

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.

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.

Are you one of the 50% of mortgage borrowers who apply with multiple lenders in pursuit of the best rate and terms? If so, you're not alone. We recently surveyed borrowers and found that half believe applying with several lenders is the key to securing the most favorable mortgage deal.

As a lender, the initial factor to consider is the credit score of a borrower. This metric assesses whether an individual is eligible for your loan offerings or if they require an enhancement of their credit status to qualify. While lenders might utilize various scoring systems, the ultimate objective remains consistent: to verify that borrowers have the financial capacity to manage their mortgage repayments.

Mortgage lenders experienced a rude awakening when, after years of neglect thanks to historically high refinance volume, they reached out to touch bases with their real estate agent business referral partners. The relationships they thought they would easily rekindle were no longer there.

When loan volumes fell, real estate agents who hadn’t heard from a mortgage broker or loan officer in years were suddenly getting multiple invitations to coffee or lunch every day. They ignored most of them.

What happens to Wayfinder and What-if Simulator after October 1, 2024? CreditXpert has traditionally been distributed through Credit Reporting Agencies (CRAs) and accessible to mortgage professionals as they order credit and verification services. Starting October 1, 2024, Wayfinder and What-if Simulator will be sunsetted and no-longer available for purchase through CRA’s. Instead, the new CreditXpert platform will be offered directly through CreditXpert.

“As a growing mortgage fin-tech, we have spent a lot of time establishing and maintaining a strong company culture,” said CreditXpert VP of People, Janette Hunt. “We have seen the impact of a strong culture with our existing team members and believe that it will help us as we look to grow our team by another 80% in 2024.”

Help consumers find what they can’t on their own - how to optimize their credit, get a lower interest rate and mortgage purchasing power during the homebuying process.

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.

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.

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.