13/07/2026
Have you been declined for a mortgage? I now have a couple of options to use a scoring model that has not been allowed in the past!
Instead of using Fico, I have a few investors that allow me to use the Vantage scoring model. What does that mean?
Scoring models use different equations to get your credit score. Look at what it did for this client. Their middle Fico score is 627 and their middle Vantage score is a 796! This opens up a lot of different loan programs as well as much cheaper rates and fees.
Currently I can use the Vantage score on Conventional and VA loans.