Learn Your Way Home

curated credit expertise with

Steven Lodico

Steven Lodico

NMLS #239263

Mortgage Loan Originator

Learn More about your mortgage professional:

Whether you’re buying, refinancing, or building your dream home, I am here as your personal Mortgage consultant. Market conditions and mortgage programs change frequently, and I want to give you accurate advice. My expertise and industry knowledge allows me to access many financing options available today.

I am committed to my customers and want to ensure you make the right choice for you and your family, with service that exceeds expectations being my ultimate goal.

Palm Lending, LLC
NMLS #: 164925

Steven Lodico

NMLS #239263

Mortgage Loan Originator

Palm Lending, LLC

Certifications: n/a

Learn More about your mortgage professional:

Whether you’re buying, refinancing, or building your dream home, I am here as your personal Mortgage consultant. Market conditions and mortgage programs change frequently, and I want to give you accurate advice. My expertise and industry knowledge allows me to access many financing options available today.

I am committed to my customers and want to ensure you make the right choice for you and your family, with service that exceeds expectations being my ultimate goal.

Palm Lending, LLC
NMLS #: 164925

credit expertise curated, just for you

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

Closing an account can negatively affect my credit score

2 / 8

A soft inquiry will not affect my credit score

3 / 8

A delinquent payment does not affect my credit score

4 / 8

Credit scores fluctuate frequently

5 / 8

I can check my credit for free once a year

6 / 8

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

7 / 8

The mortgage industry uses Vantage Scoring instead of FICO

8 / 8

It takes a long time to improve a credit score.

Your score is

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Do you know what’s on your credit report?

Mortgage Essentials Quiz

1 / 9

Bad credit stays with me forever

2 / 9

Poor credit history can prevent me from getting hired

3 / 9

My credit report includes my medical history

4 / 9

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

5 / 9

Having late payments are acceptable as long as I pay

6 / 9

Rental history will appear on my credit report

7 / 9

My credit report includes my social security number

8 / 9

I should not buy furniture for my new home before closing

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

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

2 / 10

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

3 / 10

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

4 / 10

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

5 / 10

Trigger leads are illegal.

6 / 10

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

7 / 10

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

8 / 10

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

9 / 10

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

10 / 10

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

Your score is

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Steven Lodico

Mortgage Loan Originator

NMLS #239263