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The Credit Corner

Your go-to resource for everything credit — especially when it comes to mortgage lending.

Welcome to The Credit Corner, where I break down the credit topics that matter most: understanding your credit scores, improving them strategically, and staying informed on the major changes coming to the mortgage world — including the transition to VantageScore and FICO 10T.

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Whether you’re preparing to buy a home, planning a refinance, or simply want to better understand how credit works, you’ll find clear, practical guidance here.

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Not sure where to begin? Start here. ​These topics cover the fundamentals: what credit scores are, how they’re calculated, and what mortgage lenders actually look at.

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Real solutions to help you improve your credit scores with a focus on mortgage qualification.

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The future of mortgage lending will be here before you know it.  Check out everything you need to know to be prepared! 

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Bryan Calabrese, NMLS #1473459

C-631-365-5714 | E-bcalabrese@nmbnow.com
Licensed in: New York, New Jersey, Connecticut, Florida, Pennsylvania, North Carolina, Texas, and Arizona

Mortgage Loan Officer at NMBNow | NMLS #819382
1305 Walt Whitman Rd #100, Melville, NY 11747

NMBNow is an Equal Housing Lender.​​​​

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Information provided is for educational purposes only and should not be construed as a commitment to lend. All loans are subject to credit approval and program guidelines.

Nationwide Mortgage Bankers, Inc., DBA NMBNOW® | NMLS# 819382 | 1305 Walt Whitman Road, Suite 100, Melville, NY  11747 | (833) 700-8884 | For licensing information, go to: www.nmlsconsumeraccess.org. | www.nmbnow.com. NMBNOW® is in no way affiliated with Nationwide Mutual Insurance Company.  All loans are subject to credit and appraisal approval. Not all applicants may qualify. Some products and services may not be available in all states. By refinancing your existing home loan, your total finance charges may be higher over the life of the loan. NMB is not acting on behalf of or at the direction of FHA/HUD/USDA/VA or the federal government. This is an advertisement. Licensed under the California Finance Lenders Law by The Department of Financial Protection and Innovation #60DBO73939 | Georgia Residential Mortgage Licensee | MA Mortgage Lender License #ML819382 | Licensed by the N.J. Department of Banking and Insurance | Licensed by the New York Department of Financial Services | Rhode Island Licensed Lender | Licensed by the Virginia State Corporation Commission. Additional state licensing information can be found at https://nmbnow.com/disclosures-and-licensing 

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