05/22/2026
One thing I told Fox 6 this month that didn’t get a lot of airtime but matters more than people realize:
Stop checking your credit on the free apps.
Credit Karma, your bank app, the score on your credit card statement — those aren’t the scores lenders pull. They use a mortgage-specific FICO model, and it’s almost always different. Sometimes by 30-40 points.
If you’re 6-12 months out from buying or building, go to myFICO.com. Pay the few bucks. See the actual score that’s going to determine your rate.
That one move has saved my clients thousands.
📺 Full segment: Link in the comments 👇
Bill Moeller | NMLS: 536570 | Bank Five Nine | NMLS: 410817 | Equal Housing Lender | Member FDIC