As to why your home loan credit score is leaner than simply do you consider Your own home loan credit history may possibly not be that which you expect Of numerous home buyers are not aware he has got several borrowing from the bank rating. In addition to get a mortgage lender uses is generally lower than one you see once you look at the individual credit. Discovering late regarding the online game which you have a lower credit score would be an unwelcome amaze. You could find yourself with a higher rate of interest and you may an effective reduced property budget than you'd arranged. Very before applying, you will need to know the way lenders glance at credit and you can exactly what rating you should meet the requirements. Precisely what does my credit score should be getting home financing? 1 With a credit rating anywhere between five-hundred-579 you might still be eligible for a keen FHA mortgage for those who can lay at the least ten% off. 12523