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Miss. Nikki | We got my credit check cause we're buying our first home. I scored 646...Is that a good score and what is the |
highest you can get? And does that mean my rate will be higher or loweron my 15yr loan? |
 |
 
Old Man
 |
Some on here say it's average. It is average but it's a good score. If it was higher you might get a lower interest rate. Scores are between 300 and 850. So you can see 646 is a good score. |
|
iceman
 |
646 is average.. not bad, not that good either. Lenders will say anything in the 630-680 range is considered average. To get the better rates though, you ussualy have to get a score up into the 700s.
As far as your rate, it will depend on other factors as well. Credit score is just 1 of a many different things that lenders will look at. If your income, debt/income ratio and downpayment are all suffiecent you can probably get a good rate with credit score. But if those factors are struggling, you may be looking at fairly high rates. |
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April W
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646 is pretty much the nation's average, which is pretty good. I think the highest you can get is an 800. You should be able to get a decent rate on your bank loan. Most house loans are 30 year loans, however... but if you can do it in 15, go for it! Make sure that you get a fixed interest loan--rates can go higher otherwise. It usually helps if you have a down payment when trying to secure a lower interest loan. |
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meandnadine
|
The best scores are considered 760 up to 850. Anything below a 760 and your rate will be a bit higher.
The FICO scores range from 300 to 850.
Check this link. It has a calculator that will tell you how a better score will give you a better rate.
http://www.myfico.com/ |
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godged
 |
Is it possible to review your credit report, see if everything is accurate or to check to see if you can clear up some issues? Your score is certainly good enough to qualify you for a mortgage, but if you were just a bit higher, you would qualify for better rates.
If your lender won't show you the report go to:
http://www.annualcreditreport.com
(Don't use free credit report, they just want you to sign up for services you don't need)
Your lender may be able to recommend how to get some of the items on your credit report removed. Avoid the credit repair services that just take your money and do things you could have done yourself. |
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Vol
|
646 is a little below the national average. Currently, the national average is about 680. (676 to be exact).
The highest credit score you can get is 850.
Lenders use credit scores to determine who qualifies for a loan, at what interest rate, and what credit limits. So, yes...your credit score will definately affect your rate on your loan. It is a value given to the possibility that you will default or have problems with your loan.
Im not sure of how much it will be affected. For an example, I bought a home 3 years ago and my credit score was 812. My loan was 30 yr fixed at 5.5%, when the average at the time was about 6.8% to 7.0%. Another side benefit of having a high credit score was that I paid no points, and I paid no money out of my pocket. I got the home with nothing but my signature on the paper. So, it depends on what company you do business with, as well.
I hope that helps. |
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Nate the Great
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Its about average...The highest "FICO" score you can get is 800. Your mortgage rates wont be the lowest possible, but also will not be terribly high |
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Robin C
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Your credit score does not change from one type of loan to another. 646 is not bad if you are young. If you are concerned then go to the credit bureaus and pull your report and look for errors and fraudulent accounts. The highest range of credit scores are in the 900’s.
http://en.wikipedia.org/wiki/Credit_score_%28United_States%29 |
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