Vibrant Living – November 2025

Plus, a festive fall dessert and a mortgage myth explained.

NOVEMBER 2025

A couple sits on a couch, looking at a tablet and a credit card.

FINANCE

FICO vs. VantageScore: What's the Difference?

You know credit scores matter, but not all credit scores are the same. Learn how FICO and VantageScore differ, and why your credit score can vary.

True or False? The Federal Reserve sets
30-year mortgage rates.

Keep scrolling for the answer.

A slice of cheesecake sitting on a white plate.

RECIPE

Pumpkin pie has a new rival. This no-bake cheesecake delivers rich fall flavor without the need to turn on the oven.

False

It’s a common misconception that the Federal Reserve controls mortgage rates, but it only sets short-term rates. In fact, long-term rates like the 30-year fixed usually follow the 10-year Treasury yield — not the fed funds rate. Other factors like the economy, global events, and Fed decisions also play a role, which is why mortgage rates don’t always move the way people expect.

Have questions about your credit or mortgage options? Let’s talk. I’m here to help you feel confident in your next financial step.

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Jim Sample
NMLS #45678
Sample Mortgage X
1335 Strassner
Saint Louis, MO 63144
314-987-6543
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Sample Mortgage Company NMLS# 1234
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