Tara Warren - Dwell Mortgage

Tara Warren - Dwell Mortgage NMLS # 1016638 For informational purposes only. This is not a commitment to lend or extend credit. Information and/or dates are subject to change without notice.

All loans are subject to credit approval. Dwell Mortgage, LLC. Company NMLS # 2426506. 2817 Wetmore Ave, Everett, WA 98201. 800-605-1626. Equal Housing Opportunity. For licensing information, go to www.nmlsconsumeraccess.org Equal Housing Opportunity.

The number you see on Credit Karma or your banking app? That's a VantageScore.Most mortgage lenders pull a different mod...
08/03/2026

The number you see on Credit Karma or your banking app? That's a VantageScore.

Most mortgage lenders pull a different model altogether. The FICO Score. And not just one — typically all three bureaus. Experian, Equifax, TransUnion. They take the middle score of the three and use that to qualify you.

Why does this matter? Because the two models weigh things differently. Your VantageScore and your mortgage FICO can be off by 20, 30, sometimes 50 points in either direction. Which means the number you've been tracking may not be the number your lender actually sees.

A few things that move your mortgage FICO specifically. Credit utilization under 30% across all
cards. No new credit inquiries in the 90 days before applying. No collections or derogatory marks if you can help it. And a mix of credit types — revolving and installment — over time.

Before you assume your score is or isn't where it needs to be, let's look at the right number. DM me. I can point you to where to pull your actual mortgage scores before we ever have a formal conversation.

If this is you... no judgment.Buying a home is a big decision. The hesitation is real. The rate anxiety is real. The "ma...
07/31/2026

If this is you... no judgment.

Buying a home is a big decision. The hesitation is real. The rate anxiety is real. The "maybe I'll wait until things settle down" feeling is extremely real.

But here's the thing about waiting for the perfect moment. It rarely announces itself. The buyers who got into homes this summer didn't time the market. They made a plan, ran the numbers, and moved when it made sense for their situation.

August is right around the corner. Still plenty of summer left.

DM me this weekend. Let's see where you actually stand. Takes fifteen minutes and costs nothing.

When someone understands their credit before they call me, that conversation is so much better. For both of us.They know...
07/31/2026

When someone understands their credit before they call me, that conversation is so much better. For both of us.

They know what questions to ask. They've already thought about their timeline and their down payment. They're not walking in blind and hoping I have good news..

That's why I built the Credit Cheat Sheet. Not to replace that first call. But to make it count.
Five AI prompts that help you understand your credit picture, make a plan, and actually get ready for the mortgage conversation. Whether that's next month or next year.

Comment CHEATSHEET and I'll send it to you now

07/29/2026

It is property tax appeal time. Keep watch out for your property tax notification from the county. Each county might look slightly different but it is the same idea, so watch how to review this and I put links to the appeals for the main northern counties in the comments.

If you need help or have questions please reach out.

Co-marketing with a lender should mean more than putting each other's logos on a flyer once a quarter.Here's what it act...
07/29/2026

Co-marketing with a lender should mean more than putting each other's logos on a flyer once a quarter.

Here's what it actually looks like when it's working.

Market updates you can send to your sphere without having to write them yourself. Social content you can share that adds value to your audience. Open house finance flyers that show buyers real payment scenarios before they leave the room. Co-branded materials that make you look sharp without taking up your weekend to produce.

You focus on selling. I'll handle the mortgage content that supports it.

If that sounds like something you've been missing, DM me. Let's put something together

The most common first-time buyer mistake? Starting with the home search.You find a place you love. You get emotionally i...
07/27/2026

The most common first-time buyer mistake? Starting with the home search.

You find a place you love. You get emotionally invested. Then you find out you're not pre-approved, your credit needs work, or your budget doesn't stretch as far as you thought.
And now you're disappointed over a home you were never actually ready to buy.
Here's the order that actually works.

Get your credit picture clear first. Know what's on your report before a lender does. Then get pre-approved. Not pre-qualified. A fully reviewed file that means something when you submit an offer.

Then shop with confidence because you already know your number.

By the time you walk into that open house you should already know what you can do. The home search is actually the easy part.

DM me if you want to start at step one. That conversation is always free.

Checking mortgage rates on your phone every morning is the financial equivalent of refreshing your email waiting for goo...
07/25/2026

Checking mortgage rates on your phone every morning is the financial equivalent of refreshing your email waiting for good news.

It feels productive. It changes nothing.

Rates move daily. Sometimes hourly. Nobody times the market perfectly. The buyers who got into homes this summer didn't wait for the perfect rate. They found the right loan structure for their situation, ran the numbers, and moved when it made sense for them..

What does make sense for you right now?

Drop your biggest mortgage question in the comments and I'll answer it. Nothing off limits.

It means you understand your credit well enough to have a real conversation about it.It means you know what's accurate o...
07/25/2026

It means you understand your credit well enough to have a real conversation about it.

It means you know what's accurate on your report and what might need a second look.

It means you have a rough sense of your timeline and what you're working toward.

It means you've thought about your down payment and your income before that first call with a loan officer.

None of that requires a 750 score. It just requires some prep.

That's what the Credit Cheat Sheet helps you do. Five AI prompts to get you there.
Comment CHEATSHEET to get it

By the time you're a week out from closing, the heavy lifting should already be done.Documents submitted. Appraisal comp...
07/24/2026

By the time you're a week out from closing, the heavy lifting should already be done.
Documents submitted. Appraisal complete. Underwriting conditions cleared. Closing disclosure reviewed. Funds ready to wire.

What trips people up in that final stretch isn't the big stuff. It's the small moves they don't realize matter.

Financing a car. Opening a new credit card. Switching jobs. Making a large deposit without a paper trail. Any of these can send a file back to underwriting and push your close date.

Here's the version of closing week that goes smoothly. You respond fast when your lender reaches out. You don't make any financial moves without checking first. You show up to the table knowing exactly what you owe and where the money is coming from.

That's it. The home is basically yours. Don't get in your own way in the last mile.

DM me if you want a full closing week checklist. I'll send it over

That's actually one of the most important things to understand before you start the mortgage process.Scores move. Errors...
07/22/2026

That's actually one of the most important things to understand before you start the mortgage process.

Scores move. Errors get corrected. Balances come down. What your report says today is not necessarily what it'll say in three months if you know what to focus on.

The first prompt in my free Credit Cheat Sheet walks you through understanding your full picture.

Not just your score, but what's actually on your report and what it means for a mortgage
application.

No jargon. No overwhelm. Just a clear starting point for where you actually are right now.
Comment CHEATSHEET and I'll send it over.

Address

221 25th Street
Ogden, UT
84401

Telephone

+18019404892

Website

Alerts

Be the first to know and let us send you an email when Tara Warren - Dwell Mortgage posts news and promotions. Your email address will not be used for any other purpose, and you can unsubscribe at any time.

Contact The Business

Send a message to Tara Warren - Dwell Mortgage:

Shortcuts

Share

Category