Hilde's Mortgage Blog

We just saw another round of increases in add-on fees for less the excellent credit scores. The target for your credit score should be 740 or higher for your mid score. For two borrowers the lower of the mid score between the two is used.

Having said that, it is getting more important to pull your own credit report and review for inaccuracy. Discovering errors at time of financing may not give you enough time to fix those errors in time to take advantage of a good rate lock.