Mortgage Basics
What Can Affect My Score?

Your FICO score is a "snapshot" of your credit history at a given point in time, and can change based on the factors that make up your credit score.

  • Late Payments - Pay your bills on time and if you have missed a payment, get current.

  • Credit History- When you payoff a debt or collection, or close an account, the credit reference still remains on your credit report for a minimum of seven years.

  • High Balances - Keep outstanding balances low on credit cards and other "revolving" accounts

  • New Credit - If you have been managing credit for a short time, don't open a lot of new accounts.

 

 

 

 

 
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New Homes Central Lending Services is a division of Metrocities Mortgage, LLC, located at 15301 Ventura Blvd., Suite D300, Sherman Oaks, CA 91403; a Delaware limited liability company. Transacts business as New Homes Central Lending Services in California and Florida. All other states operate as Metrocities Mortgage, LLC, licensed by the California Department of Corporations under CRMLA. Arizona Mortgage Banker License #BK0903027; Georgia Residential Mortgage License #16984; Illinois Residential Mortgage Licensee #6424; Kansas Supervised Loan License #2002-4365; Massachusetts Mortgage Lender/Broker License #MC2011; Mississippi Registered Mortgage Company; Licensed by the New Hampshire Banking Department; Licensed Banker-New Jersey Department of Banking and Insurance #9932415; Registered Mortgage Broker-NYS Banking Department; Ohio Mortgage Broker #MB803629; Pennsylvania Department of Banking #1740 and licensed pursuant to the Secondary Mortgage Loan Act; Rhode Island Licensed Lender #20021343LL; licensed by the Virginia State Corporation Commission as MLB-786. This is not an offer to enter into a rate lock agreement under Minnesota law. Information is subject to change without notice. This is not an offer for extension of credit or a commitment to lend.