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Category: Credit Tips

Chris Jordan Mortgage Team / The CJMT Blog / Credit Tips
Homebuyers reviewing mortgage and credit information
Credit Tips Education Home Buyer Tips Mortgage 101

Don’t trust your online credit score

Last updated: September 12, 2026 CJMT
One of the most common questions I hear from homebuyers is, “Why is the mortgage credit score my lender pulled different from the score I see online?” The answer is simple: there is no single universal credit score. You can have many credit scores at…
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debt management and collections system
Credit Tips Education Mortgage Advice Mortgage Planning

Credit counseling & debt management

Last updated: August 27, 2026 CJMT
Managing debt and improving your credit can be an important part of preparing for homeownership. If monthly payments are becoming difficult to manage, or credit issues are preventing you from qualifying for a mortgage, professional credit counseling may help you develop a plan. Credit Counseling…
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Protecting credit and personal information online
Credit Tips Education Home Buyer Tips Mortgage 101 Mortgage Planning

How to Protect Your Credit and Identity

Last updated: September 3, 2026 CJMT
Identity theft and credit fraud can create serious financial problems—and they can become especially disruptive when you are preparing to buy or refinance a home. Fortunately, there are several steps you can take to help protect your credit and personal information. Some are simple habits,…
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Couple reviewing finances before buying a home
Credit Tips Education Home Buyer Tips Mortgage 101 Mortgage Planning

Avoid Mortgage Sabotage: What NOT to Do Before Buying a Home

Last updated: September 1, 2026 CJMT
Some of the biggest mortgage problems happen before a homebuyer ever applies for a loan. A change that seems perfectly reasonable at the time—buying a new car, changing jobs, becoming self-employed or moving money between accounts—can sometimes make it harder to qualify for a mortgage.…
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Homebuyers reviewing finances and mortgage credit
Credit Tips Education Home Buyer Tips Mortgage 101

Mortgage Credit Do’s and Don’ts for Homebuyers

Last updated: September 1, 2026 CJMT
Your credit profile can have a significant impact on your ability to qualify for a mortgage, as well as the interest rate and loan options available to you. The good news is that there are practical steps you can take to protect and potentially improve…
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Homebuyers reviewing finances and mortgage credit
Credit Tips Education Home Buyer Tips Mortgage 101 Mortgage Planning

How Credit Scores Affect Mortgage Rates

Last updated: September 12, 2026 CJMT
Your credit score can have a significant impact on your mortgage. It can affect whether you qualify for certain loan programs and, in many cases, the interest rate or pricing available to you. But mortgage pricing is more complicated than simply saying that one particular…
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Homebuyer reviewing finances before a mortgage credit chec
Credit Tips Education Mortgage 101

Do Mortgage Credit Checks Hurt Your Credit Score?

Last updated: September 2, 2026 CJMT
Many homebuyers worry that having their credit checked for a mortgage will cause a major drop in their credit score. In reality, a mortgage credit inquiry typically has a relatively small impact on your score, and rate-shopping inquiries are treated differently from repeatedly applying for…
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