Why is your Credit Karma score different from what a mortgage lender sees? Most free apps show VantageScore or FICO 8, but mortgages use FICO 2, 4, and 5. Same credit history, different formula. Think Fahrenheit vs Celsius. Same temperature, different measurement. Want to know your real mortgage score? DM me. #mortgagelender #creditscore #homebuyingtips #firsttimehomebuyer #fyp
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Why is your Credit Karma score different from what a mortgage lender sees? Most free apps show VantageScore or FICO 8, but mortgages use FICO 2, 4, and 5. Same credit history, different formula. Think Fahrenheit vs Celsius. Same temperature, different measurement. Want to know your real mortgage score? DM me. #mortgagelender #creditscore #homebuyingtips #firsttimehomebuyer #fyp
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Just to be clear, the credit score didn't drop, it's just a different scoring model. Which yes is confusing. 🤦‍♂️ The credit score most people see online is a FICO 8 which is usually much higher than the mortgage FICO scores which are FICO 2 (Experian), FICO 5 (Equifax), and FICO 4 (TransUnion). The middle score would be your qualifying score. Use the 🔗 in my profile to download my FREE homebuyers guide or to see if you're ready for pre-approval. #mortgagetips #homebuyingtips #homebuyertips #c
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I know this is extremely confusing. I wish we all could just use the same credit reports, but that's not how it's set up unfortunately. 🤷‍♂️ If you are applying for a mortgage, just plan on your mortgage FICO score coming in roughly 20 points lower than the FICO 8 score or vantage score that you are seeing online. For lower credit scores the difference might be even bigger like 30 - 40 points lower.😬 To 100% know your mortgage FICO scores you would either need to have a lender pull them or pay
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