VantageScore vs FICO: could a different credit scoring model change your mortgage options? See how one client’s 680 FICO and 770 VantageScore translated into approximately $139 per month in savings.
Buying a home and want to understand your options? Schedule a consultation with Mortgage Maestro Group:
https://www.mortgage-maestro.com/contact
In this video, I walk through a real client comparison showing how credit scoring, lender selection, and rate-lock timing affected his mortgage payment.
The credit-score difference was only part of the story. Being prepared to lock also helped this client secure a payment approximately $159 lower than the later VantageScore option shown, bringing the combined difference to roughly $297 per month compared with the FICO option.
We’ll cover:
• How different credit scoring models can produce different scores for the same borrower.
• Why lender access and loan pricing matter.
• How rate-lock timing affected this client’s payment.
• What to examine when comparing lender fees, points, and APR.
• Why shopping early can help you make an informed decision when you find a home.
CHAPTERS
00:00 How credit scores and timing affect mortgage costs
01:00 Comparing a 680 FICO with a 770 VantageScore
02:00 The $139 difference and why rate-lock timing matters
03:00 Mortgage shopping delays and comparing APR
04:00 Understanding lender fees and broker compensation
05:00 Choosing your lender early
06:00 Your next step and mortgage questions
I’m Ray Williams, owner of Mortgage Maestro Group, a veteran-owned independent mortgage broker based in Denver, Colorado. My approach starts with education: understand your options, compare the structure, and make a decision that supports your goals.
Let’s review your credit, payment goals, and homebuying timeline:
https://www.mortgage-maestro.com/contact
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ABOUT THIS EXAMPLE
Figures shown illustrate one client’s scenario, not current rate offers or guaranteed savings. VantageScore is not always higher than FICO. Availability and results depend on the lender, loan program, credit profile, and market conditions. Compare APR alongside itemized Loan Estimates, points, lender credits, and how long you expect to keep the loan.
Mortgage Maestro Group | Maestro LLC | NMLS #1838215
Equal Housing Opportunity
#VantageScore #FICO #MortgageTips
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📌 *Are you looking to buy a home in Colorado, California, Texas, Wyoming, or Florida? Contact us to get started: https://mortgage-maestro.com/contact/
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We're a veteran-owned, top-rated independent mortgage broker servicing Colorado, California, Wyoming, Texas, and Florida. Our mission is to empower you to build wealth through real estate, with a focus on expert advice and education on mortgages.
Whether you're a first-time home buyer interested in house hacking or real estate investing, our storytelling approach will guide you through every step of the process.
We upload videos regularly. SUBSCRIBE to get regular updates on mortgage rates, market trends, and invaluable insights to help you make informed decisions about your most significant asset.
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RAY WILLIAMS
Mortgage Maestro Group (NMLS #1838215)
🏢 387 N, Corona St #646, Denver, CO 80218
📞 (303) 779-0591
📧 [email protected]
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