Comment Detail
Date: 01/24/18 First Name: Gregory Last Name: Walker Email: gregw@ranlife.com Organization Type: other Organization: RANLife Comment
I like option 4. The demographic the 2018-2020 housing goals are trying to serve needs to be more dynamic regarding credit score. Additionally, allowing the lender to establish their risk threshold from a waterfall could also help us understand how to manage default through patterns attributed to two independent scores.
I do agree that the current system and costs associated with it needs to be modified.
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