How to Rock a Mortgage Application Without Hurting Your FICO Score

Mortgage and Lending with US Bank NMLS: 22343

How to Rock a Mortgage Application Without Hurting Your FICO Score



"What's your rate?"


"How much will I qualify for?"


"Are you a banker or a broker or a lender?"


Nope, nope and nope.  None of these are the #1 question we get before a prospective borrower makes an application for a pre-approval.  So what is the most asked question?


"Will making a mortgage application hurt my FICO score?"


Yep, that's it.  That's the one that keeps some otherwise strong and qualifiable buyers on the sidelines and paralyzed by the irrational fear that simply by having a lender make a hard credit inquiry, and access their Equifax, Experian and Transunion scores, that they will somehow see their excellent credit rating vanish in the face of that lone (or multiple) inquiry.


So, let's walk around all day long and have a little bit of fun busting the myths about credit scores, credit inquiries and mortgage applications.  



Need some solid advice about mortgages and credit scores?  Give me a like or subscribe on YouTube!



Hurts so good,



Rob Spinosa
SVP of Mortgage Lending

Guaranteed Rate
NMLS: 22343 
Cell/Text: 415-367-5959


Marin Office:  324 Sir Francis Drake Blvd., San Anselmo, CA  94960

Berkeley Office:  1400 Shattuck Ave., Suite 1, Berkeley, CA  94709

*The views and opinions expressed on this site about work-related matters are my own, have not been reviewed or approved by Guaranteed Rate and do not necessarily represent the views and opinions of Guaranteed Rate.  In no way do I commit Guaranteed Rate to any position on any matter or issue without the express prior written consent of Guaranteed Rate's Human Resources Department.

Comments (6)

Will Hamm
Hamm Homes - Aurora, CO
"Where There's a Will, There's a Way!"

Hello Rob and thank you for the great information to share with us here in the rain.  Make it a super day!


Mar 24, 2022 01:54 PM
Kathy Streib
Cypress, TX
Home Stager/Redesign

Hi Rob - I love how you tied in your music background with the post and the video!!!  Good way to address mortgage myths. 

Mar 25, 2022 11:52 AM
Kathy Streib
Cypress, TX
Home Stager/Redesign

Mar 26, 2022 06:26 PM
Grant Schneider
Performance Development Strategies - Armonk, NY
Your Coach Helping You Create Successful Outcomes

Good morning Ron - you just gave some outstanding information and information I did not know.

Mar 27, 2022 06:34 AM
Nick Vandekar, 610-203-4543
Long & Foster Real Estate Inc 610-225-7400 - Devon, PA
Selling the Main Line & Chester County

This is such a great video, love your energy, and the information is great for consumers to understand.

Mar 29, 2022 08:50 AM
Kristin Johnston - REALTOR®
RE/MAX Platinum - Waukesha, WI
Giving Back With Each Home Sold!

Great information.   Thanks for sharing and enjoy your day!

Oct 25, 2022 07:46 AM