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DHI Mortgage - which score do they use?

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Anonymous
Not applicable
‎04-07-2021 06:44 AM
‎04-07-2021 06:44 AM

DHI Mortgage - which score do they use?

I've always been told mortgage lenders use your middle score. Is this accurate with DHI Mortgage? Anyone have experience? 

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brk1971
Frequent Contributor
‎04-07-2021 09:55 AM
‎04-07-2021 09:55 AM

Re: DHI Mortgage - which score do they use?

DHI pulls all three and bases pricing and loan terms on the middle mortgage score. While I didn't borrow from them, I did get preapproved from them as a part of my new construction purchase.

Fico8 = EQ 759, TU 780, EX 751 (9/15/2024), INQ in 12 mo: EQ 2, TU 4, EX 5
Cards: NFCU: Flagship VS $45k, Plat $24.3k, Plat $10.7k | Amex: Delta Reserve $50k | Citi: DC WE MC $28.8k | Discover: It $32.5k | Barclays: Juniper $18.25k | USAA: PCR VS $24.5k, RA $10k | UMB: SR VS $15k | PenFed: Path VS $20k, Plat Rew VS $15k | Synchrony: Lowes’s store $25k | Truist: Bright $10.5k, Bright $6.5k | Cap1: Venture1 Plat MC $10.3k, Kohls store $3k | Comenity: MyCash MC $27.5k | Wells Fargo: AC $10.3k | TD Bank: Target MC $6k (Reports as retail card despite now being MC) | BoA: CCR VS $42.5k | Affinity FCU: Premium VS $25k | Others
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Anonymous
Not applicable
‎04-07-2021 11:13 AM
‎04-07-2021 11:13 AM

Re: DHI Mortgage - which score do they use?

@Anonymous wrote:

I've always been told mortgage lenders use your middle score. Is this accurate with DHI Mortgage? Anyone have experience? 

I am closing today with DHI and they pulled all 3 then used the middle score. I had a really good experience with DHI and I was surprised. I have a foreclosure and charge off with a few lates (30,60,90) back in 2015/2016 and was able to get approved while other lenders denied me. I did use a VA loan if that makes a difference. I had a great LO and processor. 

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