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FHA – Federal Housing Administration

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U.S. Department of Housing & Urban Development (HUD)

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What’s a Good Credit Score?

Credit scores (usually) range from 340 to 850. The higher your score, the less risk a lender believes you will be. As your score climbs, the interest rate you are offered will probably decline.

Borrowers with a credit score over 700 are typically offered more financing options and better interest rates, but don’t be discouraged if your scores are lower, because there’s a mortgage product for nearly everyone.

Which parts of a credit history are most important?

Which parts of a credit history are most important?
Below is a breakdown of the approximate value that each aspect of your credit report adds to a credit score calculation.

  • 35% – Your Payment History
  • 30% – Amounts You Owe
  • 15% – Length of Your Credit History
  • 10% – Types of Credit Used
  • 10% – New Credit


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