Credit Secrets Homebuyers Miss: Credit Help Part 2 скачать в хорошем качестве

Credit Secrets Homebuyers Miss: Credit Help Part 2

Credit Secrets Homebuyers Miss Part 2 of my Homebuyer Credit Webinar — and we’re getting into the rules that can quietly derail your mortgage approval. If you're married and buying in a community property state, your spouse’s credit may be pulled on FHA, VA, or USDA loans — even if they’re not on the loan. In this episode, I break down: • Community property state mortgage rules • FHA, VA & USDA spouse credit requirements • Why your mortgage credit score differs from Credit Karma • Soft pull vs hard pull (and when it matters) • The 30% credit card utilization strategy • How buyers gain 40–60+ credit points before applying If you’re buying within 6–12 months, this directly affects your approval, interest rate, and buying power. Here is Part 3 with the most imporatant info and the FREE Credit Fix Checklist! Make Sure you don't make these MISTAKES!!    • 5 Credit Mistakes That Will Kill Your Mort...   ============================== First Time Home Buyer Course FREE here on YouTube! Step by step, everything you need to know to get through the home buying process confidently!    • Course: First-Time Homebuyers 2025   ============================== 👍 Real Facts, No BS #loanwithjen #homebuyers #texasrealestate Jennifer Hughes Hernandez Legacy Mutual Mortgage Equal Housing Opportunity Lender NMLS #514497 Phone: 713-579-3611 hdzteampreapproval@legacymutual.com ============================== 📃 Documents Needed to Get Pre-Approved Texas: http://checklist.loanwithjen.com/ ============================== Improve Your Credit - Checklist https://50pointchallenge.com/scoreup-... ============================== Loan With Jen | Do Business With Us!: http://apply.loanwithjen.com/ Visit My Website - Mortgage Lender Houston | Loan With Jen Education -https://www.loanwithjen.com/ ============================ 📌 More Helpful Content: ▶ The Myths and Truths About Credit Inquiries:    • Will Inquiries Hurt My Credit Score - Myth...   ▶ Why You Should Use A Local Lender:    • Why You Should Use A Local Lender | #Loanw...   ▶ How to Buy A House With Low Income:    • 2020-How To Buy A Home With Low Income [Lo...   ▶ Using Rental Income To Qualify For A Mortgage:    • Using Rental Income to Qualify for A Mortg...   💻 *MyFICO.com provides the closest score to consumers that closely reflects what lenders see. To learn more about building your credit score visit: https://www.MyFICO.com ➡︎  / loanwithjen   ➡︎  / loanwithjen   ➡︎  / loanwithjen   Loan With Jen and affiliates and related parties do not provide tax, legal or accounting advice. This material has been prepared for informational purposes only, and is not intended to provide, and should not be relied on for, tax, legal or accounting advice. You should consult your own tax, legal and accounting advisors before engaging in any transaction. Legal Disclosure: I’m not a financial advisor. The information contained in this video is for entertainment purposes only. Before investing, please consult a licensed professional. Chapters 00:00 – Community Property States Explained 01:28 – Government Loans & Spouse Credit Rule 02:00 – What FICO Really Is 03:00 – Why Your Score Is Different from Credit Karma 05:50 – Best Way to Check Mortgage Credit Score 07:00 – Soft Pull vs Hard Pull Strategy 09:40 – The Two Biggest Score Factors 11:15 – Credit Card Utilization Rule 13:55 – Ideal Number of Credit Cards