: Check your free annual credit reports for inaccuracies.
: Higher scores often lead to cheaper Private Mortgage Insurance (PMI) premiums on conventional loans. Minimum Scores by Loan Type what is the ideal credit score to buy a house
The difference in interest rates between credit tiers can drastically change your monthly budget: FICO Score Range Estimated Rate (Approx.) Estimated Monthly Payment* (Excellent) 680–699 (Good) 620–639 (Fair) : Check your free annual credit reports for inaccuracies