• Does a Mortgage Really Affect Your Credit Score? [Show 165]

  • Jan 13 2025
  • Durée: 31 min
  • Podcast

Does a Mortgage Really Affect Your Credit Score? [Show 165]

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  • Résumé

  • 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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