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A familiar misconception is you need the large score you’ll toward lowest prices. To be eligible for the best home loan rates available, you need to have a credit history off 740 otherwise more than, in lots of cases, which have a get off 760, 780, 800 or higher won’t result in the tiniest difference. (Wynn pointed out that he has got viewed particular uncommon exceptions from inside the during the last whenever a lender considering a certain system you to definitely required higher score, usually to own extremely high worthy of financing).

For people who pay-all of your own expenses punctually and have now zero good-sized expense other than a small credit card statement harmony, that you pay entirely every month, it’s likely that you should have a credit history regarding highest 700s.