Immediate relaxation: Apply 2-4 drops of chamomile, lavender and peppermint essential oil to your temples for a cooling effect and immediate relaxation. Detox bath: Mix lavender oil, epsom salts and sea salt to a warm bath to cleanse and rejuvenate the body.
Minimum Credit Score for Mortgage Loans. Your credit score is a major factor lenders use in determining your eligibility for a home loan. Maintaining a credit score of 720 or better will earn you the most favorable mortgage rates. If your credit score is not 720 or better you can still get approved but might now qualify for today's lowest rates.
FHA loans: Like VA loans, FHA loans are backed by the federal government. Thereâs no credit score minimum, but most FHA lenders prefer a score of at least 620. In 2014, some lenders theoretically dropped their minimum score to 580, but lenders have generally set higher standards since the mortgage meltdown. Successful FHA borrowers typically have higher scores. The average credit score for all FHA purchases in 2014 was 684, which is well above the minimum 580 score. FHA loans also require a down payment of 3.5 percent, as well as both an up-front mortgage insurance premium and monthly mortgage insurance, which now runs for the life of the loan.