Hey everyone—I have a file that is exactly 4-5 points shy of a better pricing tier/approval. When you are using a score simulator for a rapid rescore, what is your go-to “micro-adjustment” that consistently yields a handful of points without requiring the borrower to liquidate massive amounts of cash? Are you finding the AZEO method or pushing… Read more

I’ve noticed a lot of confusion among self-employed buyers about how lenders calculate their income for DTI purposes. Unlike W-2 employees, self-employed borrowers often face stricter scrutiny. Lenders typically use a 2-year average of net income (after deductions) from tax returns, which can be much lower than gross revenue.

For those who… Read more

A rapid rescore is not credit repair, and knowing which tool fits saves deals. A rapid rescore updates a specific account balance or status at the bureaus in 5–7 business days using documentation, such as a balance letter or statement, when a borrower has paid something down mid-application. Credit repair is the longer dispute process for… Read more

The ten year treasuries are sliding just under 5% but the rates have not dropped. Guess we need to see what happens in the coming days.