Dual-income couple, ages 39 and 41 · Boca Raton, FL · 90 days
Boca Raton Member Tuned Mortgage Score From 678 to 749 Before Application
Mortgage-specific FICO 2/4/5 optimization lowered closing rate by 0.875% on a $640K loan — $128K lifetime interest saved.
Mortgage mid-score
678749
Quoted rate
7.600%6.725%
Challenge
Mid-score 678 priced their mortgage in the 7.6% tier. Target was 740+ for the best pricing tier and PMI removal eligibility.
Approach
- 01Pulled true mortgage-scoring tri-merge (FICO 2/4/5) instead of FICO 8.
- 02Executed AZEO across both borrowers' revolving accounts.
- 03Disputed one outdated address and corrected one tradeline ownership mismatch.
- 04Held all new credit applications until post-close.
Outcome
Mid-score reached 749. Closed at 6.725% on $640,000 — saving an estimated $128,000 over the loan life.
FAQs
Are mortgage scores different from FICO 8?
Yes. Mortgage underwriters use FICO 2 (Experian), FICO 4 (TransUnion), and FICO 5 (Equifax). These can differ from FICO 8 by 20+ points.
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