CJ Follini, Publisher
Welcome back, Noyackers!
That “great” score in your banking app? It’s not the one that decides your mortgage. Lenders pull three outdated FICO models and price you on the middle (or lowest, if you’re applying with a partner). That’s why so many get blindsided with higher rates, surprise PMI, or even rejection.
But here’s your opening: the rules are changing. With VantageScore 4.0 in play, real habits—like paying rent and utilities on time—can finally boost your chances.
In this week’s Noyack Wealth Weekly, we hand you the playbook:
How the “middle score” really works—and how to beat it
Why co-borrowing can cost you thousands
What VantageScore 4.0 and FICO 10T will reward
The exact 30-, 60-, and 90-day moves to fix your weakest score and unlock better mortgage options
For high earning Millennials, this isn’t just about credit—it’s about breaking through barriers to finally own on your terms.
đź“Š Quick Poll: Where are you on your home-buying journey?
🎙️ The Noyack Expert Series
This week, CJ sits down with Mark Zandi, Chief Economist at Moody’s Analytics, for an unfiltered look at the state of housing. If you’re trying to time your first purchase—or wondering if relief is anywhere in sight—this is the expert take you can’t afford to miss.
This Week's Wealth ResourcesÂ
Dual Credit Score Self Audit – Find your middle score and keep the future models in mind.Â
Credit Dispute Checklist – What to watch out for, a working checklist to track your disputes, and an email template to make things a little easier.
Solo vs. Joint Application Assessment – Compare your loan situation in both scenarios and get a grasp on key elements that go into a loan such as a mortgage.
Until next Sunday,
—CJ & The NOYACK Team
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