Having multiple forms of debt is not bad for your credit, but if you have multiple credit cards with debt balances this can keep you from achieving a credit score needed for home loan. For example, if you have one credit card with a $200 balance and another with $450 debt, it is better to have one credit card with $650 debt.

If you don’t have a good credit score, you might be better off waiting on the sideline for a while to improve your credit. Mortgage rates on conventional loans go up in steps as credit scores decline. If a check on your credit score shows you’re just below a cutoff, a slight improvement could save you a lot of money.

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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.

With dozens of variations of FICO credit scores, which FICO scores do mortgage lenders use? We have the answer, along with how to check your credit score.

Get the Score Lenders Use to Evaluate Your Home Mortgage Loan. After you’ve determined that you’re ready to buy a home, you need to understand how lenders see you. Lenders will determine your credit-worthiness based on your FICO scores.

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Even though they are just one point away, the credit score of 779 is going to be associated with higher mortgage rates while the score of 780 will get the same mortgage rates as a score of 820 would. Raising your credit score by one or two points can make a huge difference. While going through the home buying process, don’t make any big purchases or open new credit cards. Also, be sure to communicate with your lender on how to improve your credit score. Every little change can count.

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In the months leading up to your mortgage application, do not apply for any new loans or credit cards. Each application can shave a few points off your score, which could prevent you from qualifying for the best mortgage rates. hold off until after you’ve bought your home.