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The True Value of Homeownership

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What Homebuyers Need To Know About Credit Scores

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What Homebuyers Need To Know About Credit Scores If you’re thinking about  buying a home , you should know your credit score’s a critical piece of the puzzle when it comes to qualifying for a home loan. Lenders review your credit to assess your ability to make payments on time, to pay back debts, and more. It’s also a factor that helps determine your  mortgage rate . An article from  Bankrate   explains :  “Your credit score is one of the most important factors lenders consider when you apply for a mortgage. Not just to qualify for the loan itself, but for the conditions:  Typically, the higher your score, the lower the interest rates and better terms you’ll qualify for .” This means your credit score may feel even more important to your homebuying plans right now since  mortgage rates  are a key factor in  affordability , especially today. According to the  Federal Reserve Bank of New York , the median credit score in the U.S. for those...
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