Your FICO Score

What Do FICO Credit Scores Mean?

We are happy to answer any question you may have regarding credit scores

Credit reporting agencies use your loan payment history in order to compile your FICO score.

The three major credit agencies are Experian, TransUnion, and Equifax. Fair Isaac Co. developed the model that these companies use to calculate your credit score. While each agency uses a range of data to compile your score, they all use the following to build your score:

Your Credit History - How many years have you had credit?
History of Payments - Do you have any payments later than 30 days?
Balances on your Credit Cards - How many credit card accounts do you have, and how much do you owe?
Requests for Credit - How many times have lenders pulled your credit for the purpose of giving you a loan?

FICO scores are calculated using a complex formula that considers several factors, such as your ability to pay your bills on time. The higher your score, the better. Most home buyers find their score above 620.

FICO scores also affect your interest rate. The higher your score, the less credit risk and you may qualify for better terms on your mortgage.

We're Here to Help!

Name:

Email:

Phone:

Question:

SMS Messaging:

By submitting your phone number and clicking the "I Agree &Send Message" button, you are providing express written consent for OriginPoint, LLC and its affiliates, agents, and service providers to contact you at that number

regarding products or services, including via autodialed and/or prerecorded or artificial voice calls and text messages (SMS and MMS), or email even if your telephone number is a cellular number or on a corporate, state, or the National Do Not Call Registry (DNC) or other do not contact list. You may also reach us at 855-997-6468 or by utilizing our services at Loan Options. You may opt-out at any time by emailing us a Do Not Call Request at DNC@originpoint.com and providing your phone number. Your consent is not required or a condition of any purchase. Message and data rates may apply. You also consent to our SMS terms, Privacy Policy and Terms of Use, which includes your agreement to arbitrate any claims you may have against us. By communicating with us by phone you consent to calls being recorded and monitored.

Want more information?

Let's talk!

NMLS License #2185899 – For licensing information, go to: www.nmlsconsumeraccess.org.

1800 W. Larchmont Avenue, Suite 305, Chicago, IL 60613, 855-997-6468

Cody Reid NMLS ID: 218862; AZ - 1016196, CA - CA-DBO218862, CO - 100513692, CT - LO-218862, FL -LO67686, GA - 42575, KS - LO.0043213, MA - MLO218862, MD - 218862, ME - Licensed, NC - I-194369, NH - Licensed, NJ - Licensed, OH - MLO-OH.218862, IL - 031.0064799, IN - 49166, PA - 81115, SC - MLO -218862, TN - 212790, TX - Licensed, MI - 218862, MN - MN-MLO-218862, VA - MLO-218862VA, WA -MLO-218862, WI - 218862, WY - 103722, OK - MLO10073, OR – Licensed

Phone:

(512) 537-8000

Address:

8900 Business Park Drive
Austin, TX 78759

Hours of Operation:

Monday-Friday

9:00 a.m. to 5:00 p.m.

Texas Consumer: How to File a Complaint

Applicant subject to credit and underwriting approval. Not all applicants will be approved for financing.

Receipt of application does not represent an approval for financing or interest rate guarantee.

Restrictions may apply, contact OriginPoint for current rates and for more information. https://people.originpoint.com/cody-reid-218862

Operating in the state of California as OriginPoint Mortgage LLC in lieu of the legal name OriginPoint LLC.

If you are a California resident, please review our Privacy Policy to learn more about the categories and business purpose of personal information we may collect and your right to opt-out from the sale of personal information.