Understanding Credit Scores

Landsea Homes is happy to bring home shoppers all the tools they need to make the home buying journey easier than ever. Whether you’re a first-time homebuyer or not, our experienced team of experts at Landsea Mortgage powered by NFM Lending will be by your side from start to finish. Plus, we offer helpful tools and resources to guide you every step of the way – so you’re only a click away from making your new home dreams come true.

Explore these helpful videos with tips and how-to’s, and you’ll be a pro in no time.

Mortgage Minute: Credit Score Impact

Since credit scores are a starting point to purchasing your dream home, there’s a lot riding on that one little number. Luckily, it is possible to purchase a home with a lower credit score, because buyers who finance through Landsea Mortgage powered by NFM Lending gain access to exclusive, cost-free advantages. So what are your options? Find out right here.

Understanding Credit Scores

Your credit score is an important piece of the home buying puzzle. It reflects your credit worthiness and impacts your loan terms, interest rate, mortgage insurance rate and the mortgage options available to you.

A good credit score ensures that your rates and terms work in your favor. In the long run, this means more money saved per month as well as greater accessibility to credit and the opportunities that come with it.

Discover the basics of credit scores as well as the tools we offer, including Landsea Mortgage’s credit enhancement plan, and get ready to put yourself on the road to home.

In the meantime, what can you do to boost and sustain a healthy credit score? Timely bill payments, maintaining low credit card balances and regularly monitoring your credit report are just a few ways. If that feels like a lot to take in, don’t worry – that’s where we come in.

Road2Home: Your Acceleration to Homeownership

For many people, homeownership is considered a dream – a representation of stability, security and a sense of achievement. Our goal at Landsea Mortgage is to fulfill that dream for every family.

We also understand that purchasing a new home can come with certain obstacles that often feel overwhelming. Securing home loans with less-than-ideal credit, for instance, is one of the most common.

That’s why Landsea Mortgage powered by NFM Lending offers a cost-free credit enhancement program called Road2Home! Whether you are a first-time buyer seeking a new home loan with no credit or applying for a mortgage with poor credit, a Road2Home credit specialist will work closely with your Landsea Mortgage loan originator to establish proper expectations for qualifying credit scores and create a plan to successfully achieve your desired score.

And for those with good credit, what’s stopping you from pursuing an excellent one? Road2Home is designed to support all homebuyers in improving their credit score no matter where they are today. This service is complimentary to our homebuyers and is designed to make sure you have the most favorable mortgage terms. Take a closer look at what Road2Home can do for your credit and reach out to one of our industry experts today so we can put you on the path to homeownership.

Mortgage Minute: Credit Inquiries

So you’ve worked through things with a Road2Home specialist and carefully built up a good credit score – will a mortgage inquiry bring it down again? Here’s some insight into how an inquiry might affect your score. The good news? It may not affect your credit score the way you think it will.

More About Landsea Mortgage

Whether you’re buying your first home or fifth, our focus is to provide you with exceptional customer service and home financing options that are best for your needs. Reaching out to one of our lending experts and pre-qualifying are great ways to determine how much home you can comfortably afford and what your interest rate will be. Our team will guide you through the process, and you can rest assured that Landsea Mortgage powered by NFM Lending will find the right financial solution for you while supporting you every step of the way through close of escrow.

With Landsea Homes’ team of experts by your side at every step, you’ll be well on your way to successfully landing your desired credit score and a place to call your own.

Get Pre-Qualified >
Payment Calculator >
Extended Rate Lock Program >
Home Purchase Process >
Do’s and Don’ts of Mortgages >

Ready to find a home that fits you and your lifestyle perfectly? Right now is the time to find your perfect home. No matter where you’re looking to buy, we offer a wide range of single-family homes and townhomes in vibrant communities. Explore our new home neighborhoods across the country: Southern California, Northern California, Arizona, Texas, Florida, Colorado and NYC Metro.

Plus, be sure to like us on Facebook and follow us on Instagram, Pinterest and TikTok to keep up to date on all the latest news, updates and inspiration from Landsea Homes.