What’s Your Real Mortgage Credit Score?
The score in your banking app isn’t the score lenders use to price your loan. With new models rolling out across the industry, the gap between your “app score” and your real mortgage score has never mattered more. Find out exactly where you stand — before a lender tells you.
Check My Real Mortgage Credit Score →Why the number in your app isn’t the number that matters
Most credit apps show you a consumer-facing score — often VantageScore 3.0 or a FICO version built for marketing, not mortgages. Mortgage lenders pull a completely different set of models, and the score that lands on your loan file can run 20–60 points different from what you’re used to seeing.
What’s included
- ✓A real mortgage-grade credit pull, run the way an actual lender will run it
- ✓A one-on-one walkthrough with Stacy explaining what your score means for rate and loan program eligibility
- ✓A clear picture of where you stand today, with next steps if you want to improve your position before applying
- ✓No obligation to apply for or accept any loan
Credited toward your closing costs if you finance your purchase or refinance with Jhenesis Mortgage.
How it works
You’ll review and sign a short authorization so we can pull your credit report — required by federal law before we can access your file.
This covers the cost of your credit report and your consultation with Stacy.
We’ll walk you through what it means and what your options look like — no pressure to move forward.
Authorize your credit pull
Federal law requires your written consent before we can pull your credit report. Please review the authorization below, sign, and submit.
Common questions
Will this affect my credit score?
We’ll confirm the exact type of inquiry with you before we pull your report. Ask Stacy directly if you’d like this explained for your specific situation before signing.
Do I have to apply for a loan afterward?
No. This is a standalone credit review. There’s no obligation to move forward with an application.
What if I decide to finance with Jhenesis Mortgage later?
Your $199 is credited toward your closing costs if you finance your purchase or refinance with us.
Is my information secure?
Your authorization and payment are handled through secure, encrypted forms. Your Social Security Number is never collected on this page — it’s provided directly and securely once your authorization is on file.