FICO Score
A FICO score is the most widely used credit score in mortgage lending, ranging from 300 to 850 and based on your credit history.
What FICO Score means
Lenders pull FICO scores from all three bureaus and typically use the middle one. The score factors payment history, balances, credit age, mix, and new inquiries. It largely determines whether you qualify and at what rate.
Florida example
A Jacksonville buyer raised a 660 FICO score to 700 by paying down cards, moving into a lower rate tier and saving on the monthly payment.
What it is
A FICO score is the most widely used credit score in lending. It runs from 300 to 850, and higher is better.
Lenders use it to set your rate and approval.
Why it matters
A strong FICO score earns lower rates and easier approval. Even a small gain can save real money.
We help you improve your score before you apply. Apply now and we will map a plan to raise it.
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Verify the details for your own situation against these government and agency sources: HUD FHA loan program and HUD Handbook 4000.1 (FHA rules).