Ever checked Credit Karma and felt confident, then your lender pulled a totally different (and lower) score? In this episode, Steve Kyles, Houston Mortgage Expert, breaks down why your Credit Karma score can be 20–60 points higher than your true mortgage score and what that means for your buying power.

You’ll learn:

• The real difference between VantageScore (Credit Karma) and FICO 2/4/5 (what lenders actually use)
• Why even a 20-point difference can affect your interest rate and approval
• How to shop for a mortgage without hurting your credit
• Five practical ways to boost your mortgage score fast
• How to build your Clear Mortgage Plan with confidence and clarity

If you’re serious about buying a home, or helping your clients do the same, this episode will help you understand your credit, avoid surprises, and make confident financial moves.

CALLS TO ACTION

Want the free downloadable guide?
Email Steve@SteveKyles.com
and ask for the Credit Karma vs FICO resource.

Want to see exactly where you stand and build your Clear Mortgage Plan?
Schedule your free 15-minute call at www.ResultsWithSteve.com

Prefer to text?
Reach out directly at 281-701-4521.

How to Wake Up Old Leads and Turn Them Into New Buyers
(The perfect storm: lower rates, more inventory, and bigger buyer incentives.)

Rates have dropped by roughly 75 basis points since spring, inventory is finally opening up, and sellers are offering buyer incentives again.

If you’ve got a database full of buyers who hit pause last year, now’s the time to re-engage them.

In this episode, Houston Mortgage Expert Steve Kyles shares a step-by-step approach to help Realtors turn dormant leads into active clients — without cold calling or hard selling.

Here’s what you’ll learn:

• How to find the leads in your database that are most likely to re-engage
• The conversation framework that warms them up quickly
• The “perfect storm” of opportunity — lower rates, more choices, and cash-to-close incentives
• How the REAL Partner Advantage™ process helps agents convert faster by building trust and confidence with every buyer

Sample Re-Engagement Script:
“Hey [First Name], the market has shifted in your favor.
Rates are down about 0.75% from earlier this year, inventory is up, and sellers are offering incentives that can reduce your upfront costs.
Let’s revisit your mortgage plan. This might be the perfect time to find the right home.”

Listen now to learn:
How to communicate opportunity, not hype
How to pair urgency with clarity
How to leverage Steve’s process to win deals faster

Links & Resources

• Book a Strategy Call HERE: www.resultswithsteve.com
• Text Steve: 281-701-4521
• More Resources: www.HoustonMortgageExpert.com

About Steve Kyles

Steve Kyles is the CEO of ProLending Mortgage and host of The Real Houston Podcast.
With over 20 years of experience, Steve helps Realtors and families across Houston close faster, communicate more effectively, and experience a process-driven mortgage that protects reputations and drives long-term business growth.

In this episode of The Real Houston Podcast, Steve Kyles shares a true story from last Friday — a Houston buyer found a rare one-story on the water just hours before it hit the market. Within two hours, the buyer was fully verified and under contract.

You’ll learn:

• Why speed and certainty are the ultimate advantage for agents in today’s market
• The difference between being “pre-qualified” and being fully verified
• How a lender’s systems can help you protect your reputation, win more offers, and close faster

Whether you’re an agent, broker, or team leader, this episode will help you see how the right lender partnership can turn speed into your competitive edge.

Connect with Steve:
Text or call 832-449-2915
www.HoustonMortgageExpert.com

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