16 Jul 7.16.26 Understanding Credit Scores 7.16.26 Understanding Credit Scores Thursday, July 16, 2026 (11:00 AM to 12:00 PM) CE: 1 hour Real Estate Related, PLE: No Credit Education Credits Hillsdale Conference Center-Classroom, Charlottesville, Virginia Details You're Registered! DescriptionLocationInstructorsCancellation Policy This is an In Person Only Participation Your credit score plays a key role in your ability to buy a home, affecting your mortgage eligibility, interest rates, and overall financial options. A higher score can lead to better loan terms, while a lower score may create challenges. This guide explains the main factors that impact your credit score—payment history, credit utilization, length of credit history, and types of credit. You’ll also find practical strategies to build and improve your score so you can secure the best financing possible. Key Takeaways: Your credit score directly affects mortgage approval and loan terms. Payment history and credit utilization are the most important factors. Small improvements in your score can save thousands over the life of your loan. A real estate professional can provide personalized guidance for your situation. Managing your credit now helps ensure smoother home buying later. 1 Hour CE Real Estate Related / PLE: N/A Thank you to our Sponsor: Fulton Mortgage Company Hillsdale Conference Center-Classroom - Classroom Hillsdale Conference Center-Classroom (Classroom)550 Hillsdale DriveCharlottesville, VA 22901 Map & Directions Domenic, Jay Jay has been a dedicated mortgage originator for over 38 years, bringing extensive experience in originating a wide range of residential mortgage products. His expertise spans conventional, FHA, VA, USDA, jumbo, and portfolio loans, as well as specialized financing solutions for first-time homebuyers and self-employed borrowers. Throughout his career, Jay has built a reputation for his deep industry knowledge, personalized client service, and ability to navigate complex financial scenarios with clarity and professionalism. His long-standing commitment to helping individuals and families achieve homeownership has made him a trusted resource among clients, real estate professionals, and industry partners alike. Cancellation requests (written or phoned) will be accepted through 5:00 p.m. two business days preceding each class. All paid tuition other than the $10 non-refundable, non-transferable to another person deposit will be refunded. No refunds will be given for cancellations made after the close of business on that day. (Requests for refund consideration due to extenuating circumstances must be received by CAAR in writing within 15 days after class start date).