![](https://bpimg.biggerpockets.com/no_overlay/uploads/social_user/user_avatar/3166673/small_1736352919-avatar-montya9.jpg?twic=v1/output=image&v=2)
18 January 2025 | 15 replies
Credit Karma uses a Vantage scoring model (which we do not use in the mortgage industry), but the trend will be the same as mortgage scores.
![](https://bpimg.biggerpockets.com/no_overlay/uploads/social_user/user_avatar/523854/small_1621481292-avatar-david_ivy.jpg?twic=v1/output=image&v=2)
18 January 2025 | 1 reply
However, rates have since moved upward.A 30-year fixed rate mortgage is once again sitting around 7% interest:For broader context, here’s a chart for 30-year fixed mortgage rates over the past 5 years:The real estate industry hoped 2024 would see a recovery in which mortgage rates fell and home sales climbed.
![](https://bpimg.biggerpockets.com/no_overlay/uploads/social_user/user_avatar/146217/small_1631650391-avatar-jameswise.jpg?twic=v1/output=image&v=2)
22 January 2025 | 203 replies
What no one has yet mentioned is the movie industry.
![](https://bpimg.biggerpockets.com/no_overlay/uploads/social_user/user_avatar/2380532/small_1647285050-avatar-williamt343.jpg?twic=v1/output=image&v=2)
12 January 2025 | 6 replies
If so, do you know the area well?
![](https://bpimg.biggerpockets.com/no_overlay/uploads/social_user/user_avatar/1278919/small_1736972363-avatar-hunterp22.jpg?twic=v1/output=image&v=2)
11 January 2025 | 3 replies
I have some experience in commercial and industrial real estate.
3 January 2025 | 2 replies
Hey BiggerPockets Fam!My name's Cody, I have been listening to the podcast for years, and I've read all the books. I'm a single father, been raising my two daughters since they were born, and am ready to start buildin...
![](https://bpimg.biggerpockets.com/no_overlay/uploads/social_user/user_avatar/3109816/small_1724903917-avatar-davidl1686.jpg?twic=v1/output=image&v=2)
23 January 2025 | 45 replies
But let’s go a later deeper - my down payment would come out of a well performing stock portfolio.
![](https://bpimg.biggerpockets.com/no_overlay/uploads/social_user/user_avatar/120949/small_1621417798-avatar-arq.jpg?twic=v1/output=image&v=2)
23 January 2025 | 56 replies
He has done a lot for the real estate industry.
![](https://bpimg.biggerpockets.com/no_overlay/uploads/social_user/user_avatar/2839306/small_1694993374-avatar-carlr108.jpg?twic=v1/output=image&v=2)
19 January 2025 | 10 replies
Does not affect your debt to income for future loans in the mortgage industry (auto loans could look different, but i would think similar so hopefully no worries there).
![](https://bpimg.biggerpockets.com/no_overlay/uploads/social_user/user_avatar/3114869/small_1725675424-avatar-daltonf24.jpg?twic=v1/output=image&v=2)
13 January 2025 | 21 replies
It doesn't matter the company you work for as long as you are part of the real estate industry.