Credit Hacks, VantageScore Shifts & Buyer Leverage:Homeownership Insights with Sarah Perkins | Ep 95

In this episode, we sit down with Sarah Perkins from Blue Water Credit to unpack the new VantageScore model, how it’s changing mortgage approvals, and what it means for future homeowners. Learn the key differences between FICO and VantageScore, how Gen Z is building credit faster, and discover insider strategies to boost your score—from lowering credit utilization to using authorized user accounts.

Plus, we break down today’s buyer-friendly housing market, why late October is prime for deals, and how to avoid the #1 mistake sellers make during the holidays: accepting or making contingent offers.

If you’re serious about improving your credit or timing your next home move, this episode is packed with actionable, real-world advice.

👉 Watch now to learn how to raise your score, negotiate smarter, and get the home you want faster.

00:00:27 - VantageScore vs. FICO: How New Credit Models Are Changing Homeownership Opportunities
00:14:46 - Gen Z Credit Hacks: Proven Ways to Boost Your Score Fast
00:33:21 - Why Late October Is the Best Time to Buy a Home — Market Trends You Need to Know
00:46:26 - The Holiday Homebuying Mistake: Why Contingent Offers Can Kill Your Deal Fast

Whether you’re moving in 9 days or 90, we’d love to help!

📞 Call/Text: 855-935-MORE
📧 Email: [email protected]
💻Website: https://made4morerealty.com/
🔗 Free Consultation: https://made4morerealty.com/contact/

Real Estate Agents – We’re Hiring! Let’s talk and see if you're Made 4 More.

Johnny Jennings | CA DRE 01982171