{"id":354147,"date":"2022-02-08T08:00:00","date_gmt":"2022-02-08T15:00:00","guid":{"rendered":"https:\/\/www.creditrepair.com\/blog\/?p=354147"},"modified":"2022-03-30T21:05:31","modified_gmt":"2022-03-31T03:05:31","slug":"how-does-your-credit-score-determine-how-much-house-you-can-buy","status":"publish","type":"post","link":"https:\/\/www.creditrepair.com\/blog\/mortgage-and-housing-information\/how-does-your-credit-score-determine-how-much-house-you-can-buy\/","title":{"rendered":"Credit Scores Impact on How Much House You Can Buy?"},"content":{"rendered":"<p><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter wp-image-354150\" src=\"https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2015\/11\/shutterstock_284196806.jpg\" alt=\"shutterstock_284196806\" width=\"485\" height=\"324\" srcset=\"https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2015\/11\/shutterstock_284196806.jpg 500w, https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2015\/11\/shutterstock_284196806-300x200.jpg 300w, https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2015\/11\/shutterstock_284196806-450x301.jpg 450w\" sizes=\"(max-width: 485px) 100vw, 485px\" \/><\/p>\n<p>Lenders use the credit score as a tool to determine the likelihood that you, the customer, will repay or default on a debt. Higher credit scores are associated with a track record of borrowing responsibly to meet life\u2019s needs, paying bills on time and keeping debt to a manageable level. Lower credit scores point to a habit of paying late, excessive debt, lack of credit diversity, credit immaturity or lack of experience with credit products.<\/p>\n<p>The range on a FICO score (the score used by most mortgage lenders) is 300 to 850. VantageScore\u2019s most current version uses the same numerical range. Most mortgage lenders look at FICO scores generated by all three of the major credit reporting agencies (Equifax, Experian and TransUnion).<\/p>\n<p>Each lender sets its own criteria for what it considers a \u201cgood\u201d or \u201cbad\u201d score. Most create categories that look something like this:<\/p>\n<p>&lt;500 &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp;Bad<\/p>\n<p>501-600 &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp;Poor<\/p>\n<p>601-680 &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp;Fair<\/p>\n<p>681-760 &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp;Good<\/p>\n<p>761-850 &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp;Excellent<\/p>\n<p>(Actual cut-off points vary.)<\/p>\n<h2><strong>Loan eligibility<\/strong><\/h2>\n<p>The first way in which a credit score impacts a home purchase is the mortgage lender\u2019s minimum score for loan eligibility. If your score <a href=\"https:\/\/www.creditrepair.com\/blog\/mortgage-and-housing-information\/is-my-credit-score-good-enough-to-buy-a-house\/\">isn\u2019t at least 620, many mortgage lenders simply won\u2019t consider your application<\/a> at all.<\/p>\n<p>Note: although it\u2019s technically possible to get an FHA loan with a score as low as 500, you\u2019ll have to jump through quite a few hoops:<\/p>\n<ul>\n<li>Find a lender who participates in bad credit loan programs<\/li>\n<li>Meet other eligibility requirements<\/li>\n<li>Pay much higher costs<\/li>\n<\/ul>\n<h2><strong>Interest rates<\/strong><\/h2>\n<p>Another way in which the credit score influences a home purchase is in the interest rate. After you meet minimum eligibility requirements, available loan products get progressively better as your credit score goes up. Lenders typically offer several interest rate categories to accommodate borrowers in different credit score ranges.<\/p>\n<p>Fannie Mae\u2019s loan-level pricing adjustments give us an idea of how lenders adjust rates for borrowers with different credit scores. (You should also understand that besides credit score, the other factor that most heavily influences mortgage interest rates is the size of the down payment.) For loans made after September 1, 2015, borrowers with excellent credit (740 or higher) and who can make a substantial down payment get the strongest advantage in the form of the lowest penalty.<\/p>\n<p>Indeed, <em>any<\/em> borrower who can make a 40% down payment will be considered for the most advantageous loans. A borrower with <em>excellent<\/em> credit is presented with the most advantageous terms even when the down payment is just 3% or 5% of the purchase price. By contrast, a borrower who makes a 3% down payment <em>and<\/em> has a poor credit score (659 or lower) will face higher costs for the life of the loan.<\/p>\n<p>The following matrix shows how loan cost is inversely proportional to borrower qualifications:<\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter wp-image-354148\" src=\"https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2015\/11\/Screen-Shot-2015-11-04-at-3.46.34-PM.png\" alt=\"Screen Shot 2015-11-04 at 3.46.34 PM\" width=\"523\" height=\"153\" srcset=\"https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2015\/11\/Screen-Shot-2015-11-04-at-3.46.34-PM.png 990w, https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2015\/11\/Screen-Shot-2015-11-04-at-3.46.34-PM-300x88.png 300w, https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2015\/11\/Screen-Shot-2015-11-04-at-3.46.34-PM-768x225.png 768w, https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2015\/11\/Screen-Shot-2015-11-04-at-3.46.34-PM-600x176.png 600w, https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2015\/11\/Screen-Shot-2015-11-04-at-3.46.34-PM-450x132.png 450w, https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2015\/11\/Screen-Shot-2015-11-04-at-3.46.34-PM-900x264.png 900w\" sizes=\"(max-width: 523px) 100vw, 523px\" \/><\/p>\n<p>For illustration, let\u2019s look at the actual numbers a borrower might face. Our hypothetical applicant can\u2019t afford to spend more than $1,000 per month on the mortgage payment. The current average rate on a fixed-rate, 30-year traditional mortgage is around 4% (give or take a few thousandths of a percent, depending on the lender).&nbsp;Our borrower wants a $200,000 loan.<\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"wp-image-354149 aligncenter\" src=\"https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2015\/11\/Screen-Shot-2015-11-04-at-3.46.41-PM.png\" alt=\"Screen Shot 2015-11-04 at 3.46.41 PM\" width=\"485\" height=\"252\" srcset=\"https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2015\/11\/Screen-Shot-2015-11-04-at-3.46.41-PM.png 582w, https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2015\/11\/Screen-Shot-2015-11-04-at-3.46.41-PM-300x156.png 300w, https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2015\/11\/Screen-Shot-2015-11-04-at-3.46.41-PM-450x234.png 450w\" sizes=\"(max-width: 485px) 100vw, 485px\" \/><\/p>\n<p>Result A: bad credit results in smaller home buying budget<\/p>\n<p>If our applicant\u2019s credit score is below 700, he may not be able to buy the home he wants because the higher interest rate will eat into his monthly budget. To stay under $1,000 per month, the maximum he can borrow with a score of 699 is $191,700. With a score of 639, he can only borrow $166,800.<\/p>\n<h2><strong>Result B: bad credit leads to higher monthly homeownership costs<\/strong><\/h2>\n<p>For a borrower who is willing and able to stretch his budget, credit score variations get expensive. Fifty dollars a month may not seem like much, but it could just as easily cover some other homeowner expense, like a utility bill, perhaps. When we look at the lifetime cost, the numbers are impressive (and not in a good way). A borrower with a credit score of 740 will pay $143,739 in interest over the thirty year life of the loan. When the score drops to 719, the interest goes up to $154,197. The cost of going from \u201cexcellent\u201d to \u201cgood\u201d in this case is $10,458.<\/p>\n<p>The applicant with a score of 639 or lower feels much greater pain. The $200,000 loan will cost nearly $3,000 extra <em>per year<\/em>, money that could surely be put to good use elsewhere. Over the life of the loan, the extra interest charges add up to almost <strong>a quarter million dollars<\/strong> ($231,677)! That\u2019s about 61% more than what the borrower with excellent credit will pay, and more than enough to put a child or two through college.<\/p>\n<h2><strong>The bottom line<\/strong><\/h2>\n<p>Home buying power pivots on credit. Borrowers with poor credit have to work harder to get through the application process and may be forced to take smaller loans because of the additional monthly cost. <a href=\"https:\/\/www.creditrepair.com\/blog\/mortgage-and-housing-information\/shopping-for-a-house-how-to-prepare-yourself-financially\/\">Raising your credit score even one category<\/a> can easily result in a five-figure cost savings over the life of the loan, and reaching \u201cexcellent\u201d status opens the door to buy the best home you can afford by applying the funds to the purchase price rather than the loan costs.<\/p>\n<p><a href=\"#_ftnref1\" name=\"_ftn1\"><\/a><\/p>\n<p>Learn how you can start repairing your credit <a href=\"https:\/\/www.creditrepair.com\/how-credit-repair-works\">here<\/a>, and carry on the conversation on our social media platforms. Like and follow us on <a href=\"https:\/\/www.facebook.com\/creditrepaircom\/\">Facebook<\/a> and leave us a tweet on <a href=\"https:\/\/twitter.com\/creditrepair\">Twitter<\/a>.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Lenders use the credit score as a tool to determine the likelihood that you, the customer, will repay or default on a debt. Higher credit scores are associated with a track record of borrowing responsibly to meet life\u2019s needs, paying bills on time and keeping debt to a manageable level. Lower credit scores point to [&hellip;]<\/p>\n","protected":false},"author":17,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[58,17],"tags":[165,39,67,41],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v17.5 (Yoast SEO v18.5.1) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Credit Scores Impact on How Much House You Can Buy? - CreditRepair.com<\/title>\n<meta name=\"description\" content=\"Lenders use the credit score as a tool to determine the likelihood that you, the customer, will repay or default on a debt.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.creditrepair.com\/blog\/mortgage-and-housing-information\/how-does-your-credit-score-determine-how-much-house-you-can-buy\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Credit Scores Impact on How Much House You Can Buy?\" \/>\n<meta property=\"og:description\" content=\"Lenders use the credit score as a tool to determine the likelihood that you, the customer, will repay or default on a debt.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.creditrepair.com\/blog\/mortgage-and-housing-information\/how-does-your-credit-score-determine-how-much-house-you-can-buy\/\" \/>\n<meta property=\"og:site_name\" content=\"CreditRepair.com\" \/>\n<meta property=\"article:published_time\" content=\"2022-02-08T15:00:00+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2022-03-31T03:05:31+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2015\/11\/shutterstock_284196806.jpg\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Kimberly Rotter\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"5 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"WebSite\",\"@id\":\"https:\/\/www.creditrepair.com\/blog\/#website\",\"url\":\"https:\/\/www.creditrepair.com\/blog\/\",\"name\":\"CreditRepair.com\",\"description\":\"We are the credit repair experts\",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/www.creditrepair.com\/blog\/?s={search_term_string}\"},\"query-input\":\"required name=search_term_string\"}],\"inLanguage\":\"en-US\"},{\"@type\":\"ImageObject\",\"@id\":\"https:\/\/www.creditrepair.com\/blog\/mortgage-and-housing-information\/how-does-your-credit-score-determine-how-much-house-you-can-buy\/#primaryimage\",\"inLanguage\":\"en-US\",\"url\":\"https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2015\/11\/shutterstock_284196806.jpg\",\"contentUrl\":\"https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2015\/11\/shutterstock_284196806.jpg\",\"width\":500,\"height\":334},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.creditrepair.com\/blog\/mortgage-and-housing-information\/how-does-your-credit-score-determine-how-much-house-you-can-buy\/#webpage\",\"url\":\"https:\/\/www.creditrepair.com\/blog\/mortgage-and-housing-information\/how-does-your-credit-score-determine-how-much-house-you-can-buy\/\",\"name\":\"Credit Scores Impact on How Much House You Can Buy? 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