Tips on How to Improve Your Credit Score
Hey folks, it's time to get real about your credit score. If you're anything like me, you probably don't pay much attention to it until it's time to apply for a loan or credit card. But did you know that your credit score can make or break your ability to obtain a mortgage loan?
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When you apply for a mortgage loan, lenders take a close look at your credit score and credit history. They want to know if you're a responsible borrower who will pay back the loan on time and in full. A good credit score can help you qualify for a mortgage loan with a lower interest rate and better terms, while a poor credit score can make it more difficult to get approved and result in higher interest rates and less favorable terms.
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In short, your credit score is one of the most important factors that lenders consider when deciding whether to approve you for a mortgage loan. By taking steps to improve your credit score, you can increase your chances of getting approved for a loan with better terms and save yourself thousands of dollars in the process.
1. Check your credit report regularly
This is a no-brainer, but it's worth repeating. Make sure to check your credit report for any errors or fraudulent activity. You can get a free credit report from each of the three major credit bureaus every year, so take advantage of it.
2. Pay your bills on time
This one seems obvious, but it's worth emphasizing. Late payments can have a big impact on your credit score, so set up automatic payments or reminders to make sure you're always on time.
3. Lower your credit utilization ratio
Your credit utilization ratio is the amount of credit you're using compared to your credit limit. Aim to keep your utilization ratio under 30% to improve your score.
1. Check your credit report regularly
This is a no-brainer, but it's worth repeating. Make sure to check your credit report for any errors or fraudulent activity. You can get a free credit report from each of the three major credit bureaus every year, so take advantage of it.
2. Pay your bills
on time
This one seems obvious, but it's worth emphasizing. Late payments can have a big impact on your credit score, so set up automatic payments or reminders to make sure you're always on time.
3. Lower your credit utilization ratio
Your credit utilization ratio is the amount of credit you're using compared to your credit limit. Aim to keep your utilization ratio under 30% to improve your score.
4. Increase your credit limit
If you're struggling to keep your credit utilization ratio low, consider asking for a credit limit increase. Just make sure not to use the extra credit as an excuse to spend more.
5. Diversify your credit
Having a mix of credit types (like a credit card, auto loan, and mortgage) can improve your credit score. But don't open new accounts just to add diversity - only take on credit that you actually need and can handle responsibly.
4. Increase your
credit limit
If you're struggling to keep your credit utilization ratio low, consider asking for a credit limit increase. Just make sure not to use the extra credit as an excuse to spend more.
5. Diversify your credit
Having a mix of credit types (like a credit card, auto loan, and mortgage) can improve your credit score. But don't open new accounts just to add diversity - only take on credit that you actually need and can handle responsibly.
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š¦š Regional Banks Are Back in CRE Lending ā What It Means for Smart Borrowers in 2026
š¦š Regional Banks Are Back in CRE Lending ā What It Means for Smart Borrowers in 2026
š¢š° CRE Financing Is Thawing: Why Regional Banks Are Re-Entering the Market (Cautiously)
Regional Banks Are Quietly Re-Entering CRE Lending ā And the Math Finally Works Again
After nearly three years of retrenchment, regional banks are cautiously re-entering the commercial real estate (CRE) lending market. This shift marks a meaningful inflection point for borrowers who survived the post-2022 credit contraction and are now seeing refinancing and acquisition math improve as interest rates ease.
For commercial property owners, investors, and developers, this does not mean a return to loose underwriting. Instead, it signals a more disciplined, cash-flow-driven lending environmentāone that rewards strong assets, conservative leverage, and realistic valuations.
Why Regional Banks Pulled Back After 2022
The Federal Reserveās aggressive rate-hiking cycle fundamentally disrupted CRE lending economics. Higher capital costs, widening cap rates, and office-sector stress forced many banks to:
Ā·Reduce loan originations
Ā·Shrink CRE exposure
Ā·Prioritize balance-sheet preservation
As refinancing risk roseāparticularly for office and highly leveraged multifamily assetsāregional banks chose caution over growth.
What Changed in 2025ā2026?
According to recent earnings calls, bank executives are seeing stabilization driven by:
Ā·Lower interest rates improving debt-service coverage
Ā·Tighter underwriting standards reducing downside risk
Ā·More conservative deal structures restoring lender confidence
Several institutions explicitly stated that āthe math is starting to work again.ā
Lenders including Regions Financial, First Horizon, KeyCorp, and PNC Financial reported early signs of CRE loan growthāparticularly tied to refinancing activity in multifamily and industrial assets.
Meanwhile, M&T Bank and U.S. Bancorp emphasized slowing portfolio runoff, reduced office exposure, and improving credit quality.
What This Means for CRE Borrowers Today
For borrowers, this is not a green light to push leverageāitās a window to restructure intelligently.
Regional banks are selectively lending where:
Ā·Cash flow is durable
Ā·Loan-to-value ratios are conservative
Ā·Assets align with lender concentration limits
Multifamily and industrial continue to lead, while office lending remains highly selective and location-specific.
Why Brokers Matter More Than Ever
As banks re-enter with discipline, deal positioning matters more than rate shopping. Borrowers who understand lender credit boxesāand can structure deals accordinglyāare the ones getting funded.
At Medallion Funds, weāre seeing:
Ā·More regional bank term sheets
Ā·Better refinance proceeds on stabilized assets
Ā·Increased lender competition on strong deals
But only when underwriting assumptions are realistic and defensible.
The Bottom Line
Regional banks are no longer retreatingābut they arenāt chasing volume either. This is a measured normalization, not a boom.
For prepared borrowers, this environment creates opportunity:
Ā·Refinance maturing debt
Ā·Reset capital stacks
Ā·Position assets for long-term stability
If youāre approaching a loan maturity or evaluating financing options in 2026, now is the time to reassess your strategyābefore credit tightens again.
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Ā© 2023-2024 Bill Rapp, Medallion Funds LLC, Director of Capital Advisory
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Refinancing youe loan and when to do it
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š§® Renovation ROI Calculator
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Copyright Ā©2021 | Mortgage Viking Team
Licensed to Do Business | NMLS # 228246
This is not an offer to enter into an agreement. Not all customers will qualify. Information, rates and programs are subject to change without notice. All products are subject to credit and property approval. Other restrictions and limitations may apply. Copyright Ā© 2021 | Medallion Funds
Corporate | NMLS ID NMLS # 1825831
Corporate Address : 2651 N. Green Valley Pkwy STE. 101 Henderson, NV 89014
Corporate NMLS NMLS # 1825831 | Company Website: https://medallionfunds.com/bill-rapp/
Copyright Ā©2021 | Mortgage Viking Team Licensed to Do Business | NMLS # 228246
This is not an offer to enter into an agreement. Not all customers will qualify. Information, rates and programs are subject to change without notice. All products are subject to credit and property approval. Other restrictions and limitations may apply
Corporate | NMLS ID NMLS # 1825831
Corporate Address : 2651 N. Green Valley Pkwy STE. 101 Henderson, NV 89014 https://medallionfunds.com/bill-rapp/