Credit Score Determines Mortgage Interest Rate

I received a call from a prospect just last Thursday.  She explained to me that her husband’s score was 642 and her’s was 657, so she didn’t think she needed my services to get the mortgage.  I congratulated her on her approval then suggested that she call her loan officer back, and ask her what difference she would realize if their scores were improved by only 50-points.  TRW Credit Group’s clients see 120 to 200 point improvement in 3-6 months in most cases.

The attached table provides what a one-point difference in just the first five-years, the time most expect to stay in one place, of a 30-year fully amortized $125,000 mortgage.

Think your credit profile could use some improvement?  This is huge!


  1. Steve, I know what you are talking about. Who what’s to make the banks richer? Not me. If you need to repair your credit than Steve is your guy to do it. You can count on his expertise and knowledge. And I know for a fact that Steve is a man of integrity and won’t steer you wrong.

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