These articles have been ghost-written for you to help you keep in touch with past clients. Oh, and don’t forget family, friends, and people that you know who belong to the same groups as you do.

Cut and paste. Send as an email every couple of weeks. Use as a blog or a video script. Or send a written (yes, on real paper!) newsletter in the mail.

• Comparing Short Sales vs. Foreclosures When Buying a Home
• Foods You Can Use Past Their Expiration Date
• 7 Easy Ways to Save Money This Year
• Just for Fun: Rearranging the Letters

Written By: James Hogle, Executive Director, www.USCCRA.com. If you would like a free credit review, email us at This email address is being protected from spambots. You need JavaScript enabled to view it. .

In the mortgage market we call them reason codes. FICO® actually calls them Score Factors. So what do they mean?

There are 20 reason codes that can show up on a credit report. A mortgage credit report will usually list four. Here are the 20 Reason Codes (Score Factor) that can show up on a mortgage credit report.

Included in this article is a download called Credit Scoring: Top 20 Reason Codes And How They Affect The FICO Score.

This flyer lists all the reason codes so you can give to your clients (and real estate agents) to help them add a few extra points to their credit scores, too.

These articles have been ghost-written for you to help you keep in touch with past clients. Oh, and don’t forget family, friends, and people that you know who belong to the same groups as you do.

Cut and paste. Send as an email every couple of weeks. Use as a blog or a video script. Or send a written (yes, on real paper!) newsletter in the mail.

• Must-Have Tools for Your Home Emergency Kit
• Why Landscaping Adds Value to Your Home
• The Different Levels of Homeowner’s Insurance: What You Need to Know
• 10 Easy, Household Fixes that Don't Cost a Lot of Money

These articles have been ghost-written for you to help you keep in touch with past clients. Oh, and don’t forget family, friends, and people that you know who belong to the same groups as you do.

Cut and paste. Send as an email every couple of weeks. Use as a blog or a video script. Or send a written (yes, on real paper!) newsletter in the mail.

• All Credit Scores are Not the Same
• Should You Buy Car Rental Insurance?
• Should a Home Seller Pay for Buyer's Closing Costs?

I was talking with a loan officer a few weeks ago who told me that while she loved the mortgage business, one of her big frustrations was clients yelling at her and getting upset when she asked them for more documents—and then again, yet MORE documents after the underwriter reviewed the first set of them!

So, I posted this question on Facebook.com/KarenDeis:

“What script do you use to warn clients of the possibility that you may have to call them 3 or 54 times to bring in more documents?”

I got a ton of great posts, including a client handout written by Craig Goebbel that members can download (at the end of the article) and email or print and distribute to your borrowers at the time of loan application. It’s called, Why We Need Your Paperwork, and it explains some of the reasons why you might request documents several times during the loan process.

Here are some of the scripts that have been used successfully by other loan officers!