Urban Restoration Enhancement Corporation has partnered with Baton Rouge area banks to educate future homebuyers through our Mortgage Moment initiative.  Mortgage Moment is a monthly, educational video in which Baton Rouge mortgage experts answer commonly asked questions about building credit to achieve homeownership. In this UREC Mortgage Moment, Daisy LaGrue, Community Loan Originator with Hancock Whitney Bank, discusses the ideal credit score for mortgage lending and the importance of credit utilization.