06/04/2026
👀 There’s a lot of mortgage information floating around online, and unfortunately, not all of it is accurate.
One myth that refuses to go away is that recent pricing changes "penalize" borrowers with great credit to help borrowers with lower credit scores.
The reality is much more nuanced.
✅ Higher credit scores still receive significantly better pricing than lower credit scores.
✅ Loan-level pricing adjustments are designed around risk and expected loan performance.
✅ Many programs continue to provide additional opportunities for first-time homebuyers and lower-income borrowers.
✅ Strong credit remains one of the biggest advantages a borrower can have.
The best mortgage strategy is based on facts, not headlines. Every borrower, credit profile, and situation is different.
If you're wondering how your credit score impacts your loan options, let's have a conversation and look at the numbers together.