Personal Finance » Mortgage

Mortgage

You have a lot to think about when you’re shopping for a mortgage. Information on your credit report can impact how a potential lender may view your creditworthiness, and it can also influence the loan terms you’re offered.

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How Credit Scores Affect Mortgage Rates

People with higher credit scores tend to get lower interest rates on mortgage loans. Alternatively, people with low credit scores may not be approved for loans or may need to pay higher interest rates.

How Your Spouse’s Credit Can Impact Your Mortgage Loan

Lenders usually look at each person’s individual credit report and score when making decisions about mortgage loans. Some lenders use the median when comparing a couple’s score, but it’s worth noting that lenders may decide to decline a loan offering if they deem one score too low. Others may approve the loan, but only at a higher interest rate.