06/01/2026
ONE LENDER SAID NO, MY LENDER SAID PRE APPROVED
This is the power of running vantage score vs FICO score in real time. In this scenario buyer needs a higher score to have a chance to qualify for conventional. The mid score which everyone would normally see is 593. By running vantage the mid score jumps up to 619.
Good enough for FHA but we have it go conventional. Borrower1 has enough income and lower debt to qualify solo so the play is to drop borrower 2 which now allows mid score to be 635. With TX being common law, by dropping borrower 2 and going conventional we also drop the their debt which helps in qualifying borrower 1.
When vantage score was first introduced then and now only a small handful of lenders were privy to this. Don’t sleep on this, running vantage will get buyers better pricing, qualify those who otherwise wouldn’t qualify which means more deals for realtors and more buyers getting keys to the home. Any scenario that comes to mind, I’d love to see if we can help. Message me!
