Frequently Asked Questions About Credit Scores for Home Loans
What is a credit score?
There are a lot of different credit score models.
Different score models, based on different credit histories equals different credit scores.
How do I get my credit score for buying a home?
The credit score used for home buying is your FICO® Mortgage Midscore. And there's only two ways you can get it.
- From a mortgage lender after you’ve applied for a loan.
All lenders who check your credit are required to tell you your scores. You can ask the lender after they’ve checked; or wait until you receive their official disclosure in the mail. If your loan was denied, you'll also be told the reasons you were rejected.
- From myFICO.com .
Your 3-bureau report will have your scores based on different models. Look for the mortgage scores section, and take the middle score of the three bureaus (see example). These reports are not free.
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