09/08/2026
Your credit score might not be the problem. Your lender might be. đź‘€
At Phoenix Lending Group, we can use VantageScore regardless of down payment on conventional and VA loans, giving some buyers another path to qualify when a traditional mortgage FICO score is holding them back and others a much lower rate.
Not every lender has access to this option.
So if your buyer has been told “no” or they don’t like their rate because of their credit score, send them to us before they give up! We can likely help make it happen.