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Lending Lounge

Lending Lounge

著者： Cortavius Thomas
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Most people don't understand how banks think, work, or what really determines rates. Hosted by Loan Officer Cortavius Thomas, Lending Lounge makes mortgages relatable. It serves as a hub for honest insight—blending expertise with real-world experience. The show tackles the misinformation and market trends confusing buyers and professionals, while opening the floor to stories and the psychology behind the deal.

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  • The Death of 620: Buying a House With NO Credit Score (The "Secret" Update)

    The Death of 620: Buying a House With NO Credit Score (The "Secret" Update)
    2025/12/01

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    For decades, the 620 credit score was the bouncer at the door of the housing market. If you didn’t have the number, you didn’t get in.

    But Fannie Mae just changed the locks.

    In this episode of the Lending Lounge, Cortavius Thomas breaks down the massive shift in Desktop Underwriter (DU) that is allowing "Credit Invisible" borrowers to bypass the credit score requirement entirely. We discuss exactly what the bank needs to see instead (the "Shadow Credit Report") and why having no score is now better than having a bad score.

    Plus, we look at the "thaw" in the housing market as inventory finally cracks 1.1 million, and we issue a serious warning about UDM (Undisclosed Debt Monitoring)—the silent system lenders use to watch your spending until the moment you sign.

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    Disclaimer: All lending advice is general. Guidelines change. Consult a licensed professional for your specific scenario.
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