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The higher your credit score, the lower the interest rate on the mortgage. Borrowers with high credit scores tend to get lower interest rates on mortgages than borrowers with low credit scores. A credit score of 740 or higher qualifies for the best interest rates from most lenders.
To figure out how much you might spend on a mortgage payment, use our online calculator. Credit score: borrowers with low credit scores are more likely to get approved if they apply for an FHA loan. Scores can go as low as 580 if you want to make a 3.5% down payment. If youâre willing and able to make a larger down payment, your score can potentially be lower still. See How Credit Scores Work.