Learn Your Way Home

curated credit expertise with

Dawn Holmes

Dawn Holmes

NMLS #89242

Residential Mortgage Loan Officer

Learn More about your mortgage professional:

Whether you’re buying, selling, refinancing, or building your dream home, you have a lot riding on your loan specialist. Since market conditions and mortgage programs change frequently, you need to make sure you’re dealing with a top professional who is able to give you quick and accurate financial advice.

As an experienced loan officer I have the knowledge and expertise you need to explore the many financing options available. Ensuring that you make the right choice for you and your family is my ultimate goal. To get the process started, use my secure online application or simply give me call for a personalized conversation and apply by phone. As always, you may contact me anytime by phone, text or email for personalized service and expert advice. I look forward to working with you.

Universal Lending Services, Inc.
NMLS #: 88017

Dawn Holmes

NMLS #89242

Residential Mortgage Loan Officer

Universal Lending Services, Inc.

Certifications: n/a

Learn More about your mortgage professional:

Whether you’re buying, selling, refinancing, or building your dream home, you have a lot riding on your loan specialist. Since market conditions and mortgage programs change frequently, you need to make sure you’re dealing with a top professional who is able to give you quick and accurate financial advice.

As an experienced loan officer I have the knowledge and expertise you need to explore the many financing options available. Ensuring that you make the right choice for you and your family is my ultimate goal. To get the process started, use my secure online application or simply give me call for a personalized conversation and apply by phone. As always, you may contact me anytime by phone, text or email for personalized service and expert advice. I look forward to working with you.

Universal Lending Services, Inc.
NMLS #: 88017

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Learn Your Way Home

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Score & Credit Basics

Learn all about credit scores, credit reports, scoring models and more.

Mortgage Essentials

Learn all about mortgage rates, types of loans, cost breakdown, and more.​

Buyer Alert

Learn all about trigger leads, things to be aware as a home buyer, mortgage relief, and more.

Credit IQ

Test your credit knowledge with our Credit IQ quizzes. Are you ready to be a homebuyer?

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What is your score sense?

Score & Credit Basics Quiz

1 / 8

Credit scores fluctuate frequently

2 / 8

Closing an account can negatively affect my credit score

3 / 8

A soft inquiry will not affect my credit score

4 / 8

I can check my credit for free once a year

5 / 8

A delinquent payment does not affect my credit score

6 / 8

If I have a high income, I will have a higher credit score

7 / 8

It takes a long time to improve a credit score.

8 / 8

The mortgage industry uses Vantage Scoring instead of FICO

Your score is

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Do you know what’s on your credit report?

Mortgage Essentials Quiz

1 / 9

My credit report includes my medical history

2 / 9

If I pay an account in full, it’s removed from my credit report

3 / 9

Poor credit history can prevent me from getting hired

4 / 9

My credit report includes my social security number

5 / 9

Bad credit stays with me forever

6 / 9

I should not buy furniture for my new home before closing

7 / 9

Rental history will appear on my credit report

8 / 9

Having late payments are acceptable as long as I pay

9 / 9

Leasing a new vehicle will result in a hard inquiry on my credit report

Your score is

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Do you have the know-how to score a mortgage?

Buyer Alert Quiz

1 / 10

There is no such thing as a legitimate credit repair company.

2 / 10

It’s ok to omit something from your mortgage application if your lender says it’s OK.

3 / 10

There are rules that debt collectors must follow when trying to collect a debt.

4 / 10

Opting out of trigger leads guarantees I won’t be contacted.

5 / 10

I do not need a credit repair company to help improve my score.

6 / 10

Mortgage relief companies can keep your home out of foreclose for a fee.

7 / 10

Buying a tradeline can hurt my credit score if the owner of the tradeline defaults on the loan.

8 / 10

If I need a mortgage modification, the best place to start is by contacting my mortgage company.

9 / 10

Trigger leads are illegal.

10 / 10

You can go to jail if you provide false information on your mortgage application.

Your score is

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Dawn Holmes

Residential Mortgage Loan Officer

NMLS #89242