10/30/2026
Same borrower. Same credit history. Two VERY different credit scores!
I recently worked with a client who had:
FICO Score: 680
VantageScore: 786
That’s a 106-point difference!
Here’s why working with a mortgage broker who understands and has access to BOTH scoring models can make a huge difference.
Not every lender offers the same options. In this situation, I had the flexibility to choose which eligible credit scoring model to use, allowing me to put my client in a potentially much stronger position.
A higher qualifying credit score can mean:
* Better interest rate options
* Improved loan pricing
* More financing opportunities
* Potentially lower monthly payments
The difference between a good mortgage broker and a great one can be knowing which options are available and how to use them to your advantage.
Before you assume your credit score is holding you back, let’s take a look at ALL your options!
Your Black Belt Mortgage Broker
Loantrust Mortgage
Call or text: (863) 513-7593
NMLS #2242233
Loantrust Mortgage NMLS #1501679
Credit scoring model eligibility varies by loan program and lender. Rates, pricing, and loan approval depend on additional qualifying factors.