Bring this to your loan officer

You can use any lender. Here is what to take with you.

Your plan$400,000 home, 5% down
Where you stand
About 655, in the 640–659 tier, 5 points from the next one. Your lender will use the middle of your three scores.
Your target
680: about $149 a month less on your example, or about $117 a month plus $1,900 less up front, depending on how your lender prices it. Estimated at 7.33% at 655 and 7.20% at 680 (example interest rates for these tiers, not an APR or a quote).
What to know now
Not chosen yet.
Ask your loan officer
  1. Which scoring model and which credit report will you use for my mortgage?
  2. Is there anything on my report that could be updated or corrected before I apply, and can you request a Score Express rescore?
  3. Can you price both FHA and conventional for me?

Estimates for your example, not a rate quote or a decision about your loan. You can use any lender.

Add your timeline in Your plan to see what to know now.

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