Lender will pull 3 credits for each borrower and only use the middle score to qualify the loan. If there are two borrowers, the lower middle score between the two will be used. If you apply to 15 yrs fix, as long as your credit score is higher than 680, your rate will not be impacted. if you apply to 30 yrs fix or ARM, as long as your LTV is 60% or less, 720- 740 will not impact your rate. otherwise, it might has at least 0.125% different in general.
【在 r******d 的大作中提到】 : Lender will pull 3 credits for each borrower and only use the middle score : to qualify the loan. If there are two borrowers, the lower middle score : between the two will be used. : If you apply to 15 yrs fix, as long as your credit score is higher than 680, : your rate will not be impacted. : if you apply to 30 yrs fix or ARM, as long as your LTV is 60% or less, 720- : 740 will not impact your rate. otherwise, it might has at least 0.125% : different in general.