Home Purchase

Refinance - Debt Consolidation - Home Equity

FICO® scores are your credit rating

They Range from 300-850, Higher is Better !

These Scores can affect :

  • Interest Rates
  • Amount of Down Payment Needed
  • Your Ability to Obtain Employment

Higher scores mean lower interest rates and less money down

FICO® scores are calculated based on your rating in five general categories:

credit score

The median FICO® score in the U.S. is 723

See How FICO® scores affect your Payment…On a typical 30 Year Fixed Rate Mortgage $175,000

If your FICO® score is:     Then your APR is………..and your Monthly Payment is:
760-850                         5.468%                         $   990
700-759                         5.692%                         $1,015 
680-699                         5.870%                         $1,035
660-679                         6.086%                         $1,059
640-659                         6.520%                         $1,108
620-639                         7.011%

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