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curated credit expertise with

Shannon Connelly

Shannon Connelly

NMLS #269764

Sr. Mortgage Loan Originator

Learn More about your mortgage professional:

Hi there! I’m Shannon Connelly, a Senior Mortgage Loan Originator, and I’ve been navigating the maze of the mortgage world for 26 years now. For the past 13 years, I’ve been lucky enough to call Universal Lending my professional home. I also have a Master’s degree in Psychology from McNeese State University, so rest assured, I understand people just as well as numbers.

I’m a Lafayette local – lived here for 28 fantastic years. When I’m not crunching numbers or sealing deals, you’ll find me spending quality time with my husband, our two awesome daughters, and our two lovable dogs. Cooking is my jam, and I love diving into a good book or taking a refreshing swim. I’m a live music junkie, and I absolutely adore traveling, especially if it means visiting my daughters wherever they may be at the moment. Looking for a mortgage? Whether it’s your first home or your next, I’m here to guide you through all your options and find the perfect fit for you. Let’s chat and get started on making your dream home a reality!

Universal Lending Services, Inc.
NMLS #: 88017

Shannon Connelly

NMLS #269764

Sr. Mortgage Loan Originator

Universal Lending Services, Inc.

Certifications: n/a

Learn More about your mortgage professional:

Hi there! I’m Shannon Connelly, a Senior Mortgage Loan Originator, and I’ve been navigating the maze of the mortgage world for 26 years now. For the past 13 years, I’ve been lucky enough to call Universal Lending my professional home. I also have a Master’s degree in Psychology from McNeese State University, so rest assured, I understand people just as well as numbers.

I’m a Lafayette local – lived here for 28 fantastic years. When I’m not crunching numbers or sealing deals, you’ll find me spending quality time with my husband, our two awesome daughters, and our two lovable dogs. Cooking is my jam, and I love diving into a good book or taking a refreshing swim. I’m a live music junkie, and I absolutely adore traveling, especially if it means visiting my daughters wherever they may be at the moment. Looking for a mortgage? Whether it’s your first home or your next, I’m here to guide you through all your options and find the perfect fit for you. Let’s chat and get started on making your dream home a reality!

Universal Lending Services, Inc.
NMLS #: 88017

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Score & Credit Basics

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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

A delinquent payment does not affect my credit score

2 / 8

Closing an account can negatively affect my credit score

3 / 8

It takes a long time to improve a credit score.

4 / 8

A soft inquiry will not affect my credit score

5 / 8

The mortgage industry uses Vantage Scoring instead of FICO

6 / 8

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

7 / 8

Credit scores fluctuate frequently

8 / 8

I can check my credit for free once a year

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Do you know what’s on your credit report?

Mortgage Essentials Quiz

1 / 9

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

2 / 9

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

3 / 9

Bad credit stays with me forever

4 / 9

Having late payments are acceptable as long as I pay

5 / 9

I should not buy furniture for my new home before closing

6 / 9

My credit report includes my medical history

7 / 9

My credit report includes my social security number

8 / 9

Rental history will appear on my credit report

9 / 9

Poor credit history can prevent me from getting hired

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

Buyer Alert Quiz

1 / 10

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

2 / 10

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

3 / 10

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

4 / 10

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

5 / 10

Trigger leads are illegal.

6 / 10

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

7 / 10

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

8 / 10

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

9 / 10

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

10 / 10

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

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Shannon Connelly

Sr. Mortgage Loan Originator

NMLS #269764