What's Your Mortgage Credit Score? See How it Will Affect Your Chances of Getting a Home Loan

You've found the home of your dreams, got the offer accepted, and you even have a buyer lined up for your current place. All you need now is a home mortgage... but you forgot to check where your credit stands compared to the average.

Where do you think you would fall? Is there anything that may have recently affected your score such as a late payment, maxing out your credit card, or getting the limit on your card reduced?

What seems like small things can dramatically hurt your credit rating, particularly since the most recent events have the greatest impact on your score. But by checking this information before you shop for a loan, you'll have a chance to improve things before the lender ever has a chance to pull yours core.

Your mortgage credit rating will increase, and they'll never know the difference.

If your score is below the national average of 680 points, there are some quick things you can do to increase your rating and make it prepared for the best possible mortgage. That way you can get on and buy your house before you are kicked out of your current home.

When you check your mortgage credit score, you'll see exactly where you stand and be able to tell not only if you'll get approved for a loan, but for how much and what your payments will be. That way you'll know as you are house hunting exactly how much you can afford. No more ballpark figures. Just hard numbers that can be used to your advantage when negotiating an offer.

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