Chances are, you're familiar with FICO, a company that's provided credit scores since 1989.

 

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MORTGAGE IQ New Credit Option Is a Win-Win for Lenders and Borrowers Chances are, you're familiar with FICO, a company that's provided credit scores since 1989. Now FICO may have competition from another credit source: VantageScore. This was created as an alternative to FICO scoring and is the result of a joint venture involving major credit bureaus Experian, Equifax and TransUnion. Last year, the Federal Housing Finance Agency (FHFA) authorized the use of the VantageScore 4.0 credit model for qualifying applicants for conforming loans. This decision may help lenders and borrowers save an average of $111 per finalized mortgage. While savings are always welcome, VantageScore is also expected to help millions of potential borrowers, as it may expand access to mortgage financing to applicants with limited or non-traditional credit histories. If you're planning to buy or refinance a home soon, I can provide you with the latest credit scoring updates and answer any questions you may have.2

March 2026 March 2026 REACH YOUR GOALS Turn Your New Job into A Financial Reset If you're planning to make a career move this year, it can be the ideal time to reassess your overall financial picture. Since a new job means new income and benefits, it may also change how you think about money, especially if your career path improves. During your first 2-3 months at your new job, set aside some time to update your budget, review your benefits and retirement plan options, and align spending and savings with new income. Calculate your new monthly take-home pay. Bonuses, stock grants, and employer retirement matches all count, as do insurance-related deductions that can affect take-home pay. You may also want to ask a tax professional if a pay increase will affect your tax liabilities. Review this year's expenses. Review your housing, utilities, insurance, debt payments, and discretionary spending like dining out, subscriptions, travel, and entertainment. Comparing them to 2025's expenses will help you spot price changes. Make adjustments. If your income is increasing, try to allocate roughly half of the increase to savings before moving the rest to your investment account or discretionary spending. Choose your next financial goal. This might include reducing debt, saving a down payment for a home, building retirement savings, or taking that vacation you've had to postpone. A raise can feel different when it's tied to a major life goal.1