{"id":47,"date":"2026-10-13T09:00:00","date_gmt":"2026-10-13T09:00:00","guid":{"rendered":"http:\/\/blogs.room-vu.com\/emilydenneyliveinwyomingrealty-com\/2026\/10\/13\/a-new-credit-score-could-lower-mortgage-costs\/"},"modified":"2026-10-13T09:00:00","modified_gmt":"2026-10-13T09:00:00","slug":"a-new-credit-score-could-lower-mortgage-costs","status":"publish","type":"post","link":"https:\/\/www.emilydenneyliveinwyomingrealty.com\/blog\/2026\/10\/13\/a-new-credit-score-could-lower-mortgage-costs\/","title":{"rendered":"A New Credit Score Could Lower Mortgage Costs"},"content":{"rendered":"<div class=\"video-zmyer\">\n<div class=\"video-frame-zmyer\">\n        <iframe loading=\"lazy\" width=\"640\" height=\"640\" src=\"https:\/\/www.roomvu.com\/agent\/embed\/emily-denney-1\/new-credit-score-remotion-videos-e6f0\" frameborder=\"0\" allow=\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture\" allowfullscreen><br \/>\n        <\/iframe>\n    <\/div>\n<div class=\"video-description-zmyer\">\n<p>A federal housing regulator expanded access to a newer credit score model, letting approved mortgage lenders choose it or the legacy model for eligible mortgages.<br \/>\nOne mortgage executive described using the newer model to offer either a lower rate or a $2.7K lender credit for one borrower.<br \/>\nA lender said 1 in 4 borrowers received a more favorable credit result, potentially improving pricing, mortgage insurance costs, or loan eligibility.<br \/>\nNot every lender has adopted the option, and manually underwritten loans still require the legacy score model; pricing adjustments were aligned across both models recently.<br \/>\nBorrowers with limited credit histories, improving finances, or reported rent and utility payments may benefit, so consumers were urged to ask lenders about scoring options.<\/p>\n<\/p><\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>A federal housing regulator expanded access to a newer credit score model, letting approved mortgage lenders choose it or the legacy model for eligible mortgages. One mortgage executive described using the newer model to offer either a lower rate or a $2.7K lender credit for one borrower. A lender said 1 in 4 borrowers received [&hellip;]<\/p>\n","protected":false},"author":520,"featured_media":48,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-47","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-latest-posts"],"_links":{"self":[{"href":"https:\/\/www.emilydenneyliveinwyomingrealty.com\/blog\/wp-json\/wp\/v2\/posts\/47","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.emilydenneyliveinwyomingrealty.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.emilydenneyliveinwyomingrealty.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.emilydenneyliveinwyomingrealty.com\/blog\/wp-json\/wp\/v2\/users\/520"}],"replies":[{"embeddable":true,"href":"https:\/\/www.emilydenneyliveinwyomingrealty.com\/blog\/wp-json\/wp\/v2\/comments?post=47"}],"version-history":[{"count":0,"href":"https:\/\/www.emilydenneyliveinwyomingrealty.com\/blog\/wp-json\/wp\/v2\/posts\/47\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.emilydenneyliveinwyomingrealty.com\/blog\/wp-json\/wp\/v2\/media\/48"}],"wp:attachment":[{"href":"https:\/\/www.emilydenneyliveinwyomingrealty.com\/blog\/wp-json\/wp\/v2\/media?parent=47"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.emilydenneyliveinwyomingrealty.com\/blog\/wp-json\/wp\/v2\/categories?post=47"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.emilydenneyliveinwyomingrealty.com\/blog\/wp-json\/wp\/v2\/tags?post=47"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}