Credit Repair

694 Credit Score – Why Is Your Credit Score Lower When a Mortgage Lender Runs Your Credit? Running Credit Scores 2020 💳


694 Credit Score – Best Deal Right Now?

#creditkarma #creditscore #homeloan
Clearly I love doing loans! Need a mortgage or want to chat about your scenario? I am licensed in 46 states for purchase and refinances. Here is how to contact me:
1) Book a call with me:
2) Apply for a mortgage now at If you apply please text me your full name and email address letting me know so I can look for your app:) TEXT 707-478-0637
3) Call me 707-478-0637

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Jennifer Beeston, SVP Mortgage Lending, Guaranteed Rate, Inc.
Top 1% in the nation 2016-2020

*Proudly Offering Purchase Loans + Refinances in, Alabama, Alaska, Arizona, Arkansas, California, Colorado, Connecticut, District of Columbia, Delaware, Florida, Georgia, Hawaii, Idaho, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Maine, Maryland, Massachusettes, Michigan, Minnesota, Missouri, Montana, Nebraska, Nevada, New Hampshire, New Mexico, New York, North Carolina, North Dakota, Ohio, Oklahoma, Oregon, South Carolina, South Dakota, Tennessee, Texas, Vermont, Virginia, Washington, Wisconsin, West Virginia and Wyoming.

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State License Numbers: AK – AK247743, AL – 72998, AR – Licensed, AZ – 1007541, CA – CA-DOC247743, CO – 100516570, CT – LO-247743, DC – MLO247743, DE – MLO-247743, FL – LO66900, GA – 70357, HI – HI-247743, IA – 33839, ID – MLO-2080247743, IL – 031.0054184, IN – 41478, KS – LO.0039219, KY – MC717200, LA – Licensed, MA – MLO247743, ME – Licensed, MI – 247743, MN – MN-MLO-247743, MO – MO-247743, MT – 247743, NC – I-189119, ND – NDMLO247743, NH – Licensed, NM – Licensed, NV – 66544, NY – Licensed, OH – MLO-OH.247743, OK – MLO20600, OR – 247743, SC – MLO – 247743, SD – MLO.08498, TN – 205478, TX – Licensed, VA – MLO-40552VA, VT – VT247743, WA – MLO-247743, WI – 247743, WV – LO-247743, WY – 8203

Branch Address: 4863 Old Redwood HWY, Suite D, Santa Rosa, CA 95403

GR NMLS ID #2611

Applicant subject to credit and underwriting approval. Not all applicants will be approved for financing. Receipt of application does not represent an approval for financing or interest rate guarantee. Restrictions may apply, contact Guaranteed Rate for current rates and for more information.

All information provided in this publication is for informational and educational purposes only, and in no way is any of the content contained herein to be construed as financial, investment, or legal advice or instruction. Guaranteed Rate, Inc. does not guarantee the quality, accuracy, completeness or timelines of the information in this publication. While efforts are made to verify the information provided, the information should not be assumed to be error free. Some information in the publication may have been provided by third parties and has not necessarily been verified by Guaranteed Rate, Inc. Guaranteed Rate, Inc. its affiliates and subsidiaries do not assume any liability for the information contained herein, be it direct, indirect, consequential, special, or exemplary, or other damages whatsoever and howsoever caused, arising out of or in connection with the use of this publication or in reliance on the information, including any personal or pecuniary loss, whether the action is in contract, tort (including negligence) or other tortious action.

Guaranteed Rate, Inc. is a private corporation organized under the laws of the State of Delaware. It has no affiliation with the US Department of Housing and Urban Development, the US Department of Veterans Affairs, the US Department of Agriculture or any other government agency.

help buying a home, Jennifer Beeston, Guaranteed rate, mortgage lending, first time home buyer, real estate, VA loan first time home buyer, first time home buyers tips and advice, first time home buyer tips, first time home buyers, mortgage broker, mortgage rates, VA loans, VA mortgage, VA loan explained, VA loan for investment property, VA home loan, how VA loans work, VA home loans, VA home loan process, VA loans 2020, mortgage rates 2020, VA loans explained, VA loan, mortgage lender, how to pick a mortgage lender, questions to ask a mortgage lender, best mortgage lenders, how to find the best mortgage lender, mortgage lenders, credit score increase, credit score, how to increase your credit score, credit repair, how to improve credit score, how to build credit, credit scores

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  1. Mark D
    July 26, 2021 at 2:17 am

    They say its lower so they can charge you a higher rate of interest on the loan…

  2. Brittany vaughn
    July 26, 2021 at 2:17 am

    I have an experian account because I’m looking to buy within a year. I’m confused because all my scores are different. Idk what FICO 2,3,5,8 none of that means. I just look at the myfico score. how am I supposed to know which one is the one lenders will use? Is it like body fat? You can’t target one single area you just have to work on the over all results?

  3. Bruce Fox
    July 26, 2021 at 2:17 am


  4. Michael Leahy
    July 26, 2021 at 2:17 am

    Would it be a good suggestion to have a homebuyer purchase MyFICO and share the 5 4 2 scores with you, right before you do a hard pull? You would then know in real time if doing the pull is likely to drop them into a lower approval tier?

  5. Ed Pool
    July 26, 2021 at 2:17 am

    Does rate shopping lower credit score?

  6. bahhaziz
    July 26, 2021 at 2:17 am

    I didn't hear the answer to the question in the title

  7. Devon Harding Sr
    July 26, 2021 at 2:17 am

    Are you license in TX?

  8. Maiya
    July 26, 2021 at 2:17 am

    It's so frustrating because how do I know I'm qualified to get the best rate if I'll never know what my score is at? I'm always going to guess if my score is "good enough." Sorry just frustrated cause I'm trying to do a refi and my score is lower than what it was last year and I have less debt now than before…

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    July 26, 2021 at 2:17 am

    😂😂 my husband loves Kohl’s.. thanks for the information.

  10. Oscar Martinez
    July 26, 2021 at 2:17 am

    Hello I have a question my wife and I are looking to buy a home and I see you are licensed in Texas how would that work to work with you if we are from a different state

  11. Nicola S
    July 26, 2021 at 2:17 am

    Hi Jennifer Beeston
    are you license in New York area, or New Jersey ?

  12. Kate Snow
    July 26, 2021 at 2:17 am

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    July 26, 2021 at 2:17 am

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  15. Lovely Indeed
    July 26, 2021 at 2:17 am

    I have been watching your videos since I found them. Such great information!! I would love your guidance on a current situation. I am a buyer under contract. I was pre-approved 11/20/20 set to close 01/20/21 with a 684 middle score. 53% credit utilization. My file went to Underwriting Wednesday. In the meantime Chase decreased my credit limit. 😳 my credit utilization is now 90% and my middle score decreased to 667. I discussed this with my loan processor. She said that at the end they will soft pull. I am not clear if this encompasses a new score. I’ve asked around and some people say yes they will pull a new score others say no due to the closing date before the score expires 120 days. Any information would be greatly appreciated. Thank you 🙏🏽

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    July 26, 2021 at 2:17 am

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  18. Alec B
    July 26, 2021 at 2:17 am

    My lender is always higher than my credit karma score

  19. Kurtis Perminter
    July 26, 2021 at 2:17 am

    Myfico is the best 👌 fico 2 4 5

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  21. Worst Behavior
    July 26, 2021 at 2:17 am

    Also had a question about rapid rescores? I read an article stating that if you’re a few points away from the required FICO score some lenders will work with you to help you get it up. Usually by advising you to pay down some credit cards to a certain amount and then they’ll submit an application of some sort for a rapid rescore? Just wondering if this is true.

  22. Worst Behavior
    July 26, 2021 at 2:17 am

    What about Experian? Is that any good?

  23. Le0
    July 26, 2021 at 2:17 am

    Hi, regarding the conventional loan with 5% down is it true that one must live in the property or else one wouldn't be able to qualify for this loan?

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  26. Brenan Riehl
    July 26, 2021 at 2:17 am

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  27. Alyssa Sarras
    July 26, 2021 at 2:17 am

    Amazing Video!!!!!! Great info.

  28. MakeWayForCJ
    July 26, 2021 at 2:17 am

    Whooooa Jen, I'm normally right there with you on things but this one I'm going to have to take a pass on because I'm not really sure that a few instances of lenders giving personal information to the wrong person is a good enough reason to withhold the particulars on the credit report that led to the lender's decision. Especially since there are plenty of common sense measures that could be put in place to ensure that this information is given to the right person, like only sending the report via secured messaging or only sending itto the same email address of which the applicant sent their information.
    I'm just sayin'….. if you think about it, isn't this whole not giving an applicant their credit report after a denial thing kinda like what used to call on back in junior or senior high school? You know, like when one girl would accuse another girl of talking about them but when the 2nd girl asks who told them this (lies or otherwise) the 1st girl usually won't tell her who it is? But at the same the 1st girl feels justified to stop being friends with the 2nd girl because of the information she received?
    That's how I think applicants feel when they're told that they're denied but aren't allowed to see the actual credit information that influences the decision. In fact, this feels so shady that it almost makes it seem as though this was put in place to protect the credit reporting agencies from being liable for the loss of a loan if it's found that the information on the credit report was inaccurate to begin with. But eh…IDK.
    All I know is that as someone who is part of a group that is commonly discriminated against by lenders and real estate agents, I think it's even more important that there be transparency about the sources and the information that led to the lender's decision so it won't look like impropriety on anyone's part. But hey – you didn't make the rules so please let us know if those rules ever change, okay? And thanks for keeping the industry honest! We (the Royal "we") simply love your channel! LOL! Be well!

  29. naughtyorgneiss
    July 26, 2021 at 2:17 am

    Mortgage lenders for conventional are using the middle of 2-4-5 (ie Experian 2, Transunion 4, Equifax 5) FICO scores. You can pay the $39.99 for Premier myfico membership which updates these 3 scores monthly (and then you can cancel the membership). And you may be able to get these scores at other websites but that's where I got mine. For example, I pulled mine before applying with Guaranteed Rate (Jen's company) because I didn't want any surprises and sure enough my middle score from Jen exactly matched my middle 2-4-5 score.

    The confusing part is that these are older models, which means they WILL BE LOWER than the scores used for credit cards – ie FICO 8 since FICO 8 will be more lenient in certain areas since it's newer. For example, my middle FICO 8 score is 725 but my middle 2-4-5 mortgage score is a little over 700. And like Jen said in the video, the Credit Karma scores are usually even higher than FICO 8- they are commonly known as "FAKO" scores and are usually things like Transvantage 3.0 which is another model altogether. In some cases my FAKO are 100+ points higher than my mortgage 2-4-5 scores!

    Now I've looked into how to increase the 2-4-5 scores but it's proprietary and the folks at the myfico forums have been trying to crack the code for awhile now. Many see their scores go up using the AZEO method – "All Zero Except One" meaning zero out all your credit cards except one and keep utilization under 9%, preferably even lower like <5. Also they say that the 2-4-5 is more sensitive to installment debt like personal loans, so you may want to try getting those under 80 or 50 or 30% if that's an option (I'm guessing here btw). I can tell you that my 2-4-5 scores haven't moved in 6 months and I've been paying on a mortgage for 5 years, though I haven't tried AZEO yet (next month). I did just take out a personal loan in February so I'm going to try lowering the utilization on that with more payments below 80% to see if it moves the needle. I can tell you that paying down installment loans (like student loans, auto, personal, etc) WILL raise your FICO 8 Experian score in Experian's new score simulator. Unfortunately none of the 3 CA's have a mortgage score simulator yet.

    Hope this helps somebody!

  30. P Kris
    July 26, 2021 at 2:17 am

    On my first time taking mortgage I was a little surprissed by 20 poins difference. But make sence if amount of debt is part of equation

  31. Derek You
    July 26, 2021 at 2:17 am

    Wow the example they gave 🤯 you would never know how far some people would go

  32. office cheer
    July 26, 2021 at 2:17 am

    What about the mortgage score from myfico

  33. Camarolvr13
    July 26, 2021 at 2:17 am

    Credit Karma uses the Vantage scoring model which pretty much no lender uses. It can be way off. Just a good free tool to get you in the ballpark. The only score to trust are FICO scores. That's what 99% of lenders use.

  34. Lila Nunez
    July 26, 2021 at 2:17 am

    0:53 What's wrong with it?