06/18/2026
Three weeks ago I sent an email about a new credit scoring pilot called VantageScore 4.0.
At the time I thought it was a nice feature.
I was wrong.
After seeing dozens of real client scenarios over the last 3 weeks, this has gone from a "nice feature" to a MASSIVE competitive advantage for buyers.
And the results have honestly been shocking.
👇👇👇
🏡 VANTAGESCORE 4.0 — THE SECOND LOOK
Who Does This Apply To?
👉 Future Homebuyers
👉 Current Homeowners Looking to Refinance
👉 Conventional & VA Loan Clients
🚀 WHAT WE'VE SEEN IN JUST 3 WEEKS
Since launching the pilot, we've seen:
✅ Clients with NO credit score at all suddenly have qualifying scores
✅ Buyers previously denied by other lenders become approved
✅ FHA buyers now qualify for Conventional financing
✅ Higher credit scores = lower monthly payments
✅ Buyers qualify for more house
✅ Clients become eligible for our 1% Down Program
✅ Better pricing and better interest rates
And that's just scratching the surface.
🤯 THE RESULTS ARE REAL
I wanted to share some actual examples from the last few weeks:
📈 FICO: 618
🚀 VantageScore: 696
+78 Points
📈 FICO: 675
🚀 VantageScore: 760
+85 Points
📈 No FICO Score Available
🚀 VantageScore: 627
Instantly Scorable
📈 FICO: 762
🚀 VantageScore: 807
+45 Points
In several cases we're seeing improvements of 50-100+ points.
Think about that for a second...
A buyer who thought they were a 620 could suddenly be approaching 700.
That changes EVERYTHING.
💡 WHY IS THIS HAPPENING?
Traditional scoring models focus heavily on today's snapshot.
VantageScore takes a broader approach and looks at:
✔️ Rent payment history
✔️ Utility payment behavior
✔️ Longer-term credit trends
✔️ Broader financial habits
✔️ Patterns over time instead of one moment in time
For many buyers, that creates a much more accurate picture of their true financial responsibility.
🏡 WHAT DOES THIS MEAN?
This could create:
💰 Better pricing
🏡 More approvals
📈 Higher buying power
🎯 Better loan programs
🔥 Stronger offers
For some buyers, this may be the difference between:
"Let's wait another year..."
and
"We're buying a home right now."
⚠️ WHO SHOULD CONTACT ME IMMEDIATELY?
✔️ Anyone denied in the last 12 months
✔️ Buyers currently renting
✔️ Buyers with little traditional credit
✔️ Clients frustrated by high rates
✔️ Clients stretching their down payment
✔️ Buyers told they need to improve credit before moving forward
✔️ Anyone sitting on the fence because they think they won't qualify
💬 PARTNER WITH PURPOSE
This has officially moved from a:
👉 "Nice Feature"
to
👉 "Every Buyer Deserves a Second Look"
The best part?
We use a soft credit pull, so there is no impact to the client's score and no risk in exploring their options.
If you were told no, your client was told no, or have or someone you know who was told "no" or isn't sure where they stand, let's run the numbers.
You might be surprised how different the story looks today.
Let’s move from “maybe someday” → “we got the keys.” 🔑🏡
No surprises. No friction. Just smooth approvals. 🌮🏡
Get PreApproved AND a Verified Underwriting Approval SAME DAY!!!!!!
FACEBOOK PAGE: https://www.facebook.com/profile.php?id=100089794803815
LinkedIn: https://www.linkedin.com/in/kimberly-bonick-partin-a7861310b/
My Reviews: https://social.pr/p/rocket-mortgage-franchise/kimberlybonick/
My Online Application: https://www.rocketmortgage.com/local-loan-officers/profile/1084620/-TX/Kimberly-Partin
Your exclusive Rocket Mortgage LOCAL lender affiliate:
Kimberly Bonick Partin-Rocket Mortgage Local
Phone: 830-469-3050
Email: [email protected]
