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Does a Mortgage Really Affect Your Credit Score? [Show 165]
Manage episode 461071735 series 3508464
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In this episode of The Jones zone, Darryl Jones sits down with Joe Omahen, a mortgage banker of Cornerstone First Bank (Mortgage Bank). Darryl discusses with Joe about the debt to income ratio, the mistake of spending after being pre-approved, impact of AI, and how to leverage your money using your credit, the maximum amount of a loan, and if rates are going to go lower.
Episode Highlights:
- Difference between a mortgage banker and mortgage broker.
- Difference between pre-approval and pre-qualification.
- How credit has an effect on getting a mortgage.
- Debt to income ratio.
- Spending after being pre-approved.
- Running your credit doesn't lower.
Key Questions Asked:
- What is the difference between a mortgage banker and mortgage broker?
- What is the difference between pre-approval and pre-qualification?
- Does credit have an effect on getting a mortgage?
- What is debt to income ratio?
- Should you spend after being pre-approved?
- Does your credit go lower if it's ran?
- Has AI affected the industry?
- What is Fannie Mae and Freddie Mac?
Guest Information:
Cornerstone First Bank
Joe Omahen - jomahen@cfmtg.com
Contact Darryl:
Darryl & JJ Jones Real Estate
Email: darrylandjj@gmail.com
Phone: (714) 713-4663
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