credit scores for home loans

Curious about what credit score is needed to buy a house? Here's a guide to what credit score you need to take out a mortgage, including tips.

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What FICO score do you need to get a mortgage? It depends, but generally better scores mean better loan terms for you. That’s why it’s especially important to start out with good credit scores.

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When you apply for a mortgage, your credit score is one of the top factors that impacts your interest rate. Typically, the higher your score, the lower the interest rates you’ll be offered by.

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A higher credit score earns you a lower mortgage rate, which means you’ll save by paying less in interest. Scores of 720 and up earn the best rates on conventional mortgages. Learn more about how.

Credit bureaus calculate the credit risk differently. Most lenders use the "middle" score to evaluate the home buyer's credit worthiness. For example, Experian.

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So, what is a good credit score to buy a house? Landing the best mortgage rate. The table below, provided by Fair Isaac Corp. (FICO), the credit scoring company, shows how a range of credit scores.

A credit score (also called a FICO Score, so named for the company that provides the score used by most lenders) helps lenders determine their risk in lending you money. Your history of paying bills on time and your monthly debts determine your credit score, which can range from 300 (lowest) to 850 (highest).

Minimum credit score requirements for FHA home loans depend on which FHA loan product the applicant needs. Generally speaking, to get maximum financing on typical new home purchases, applicants should have a credit score of 580 or better. Those with credit scores between 500 and 579 are, according the the FHA guidelines, "limited to 90 percent.

Since its introduction over 25 years ago, FICO Scores have become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use FICO Scores to make consumer credit decisions.