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We talked to our lender and they said 740 for best mortgage rates and 760 for best PMI rates. And yes it would be lower of the two. I was thinking doing the reporting for me since I have lowest score and then one month do both of us shortly before we go for the credit hit so we know where we stand. Sent from my iPhone using Tapatalk
My wife and I are trying to push our credit score above 760 to make sure we get the best mortgage rates possible. She is currently at 751 and I am at 738. Thankfully we are planning to close on the construction loan in January 2020. Is myFICO monitoring ($30/month) my best option to keep an eye on our scores so we can achieve our goal? We will be about $25,000 lighter on our debts at that point from the current estimated balance of about $32,000 (at an overall usage of 26% currently for our credit limits). We are hoping the payoffs, with only one loan to be closed that’s 3 years old, will improve ours scores, but we don’t want to go into closing without “knowing” what our credit scores are. Thanks for any advice in advance. This is my first post and I couldn’t find relevant answers in the search function. Sent from my iPhone using Tapatalk