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Home Buying 101 • February 10, 2026

Understanding Credit Scores for Home Buying

by Kelsie Daugherty

Your credit score plays a meaningful role in your home buying journey, especially when applying for a mortgage.

Why it matters

Lenders look at your credit score to understand how you’ve handled debt in the past. It helps them determine loan options and interest rates.

Typical ranges

  • 740 and above: excellent

  • 670–739: good

  • 580–669: fair

  • Below 580: limited loan options

How it affects your loan

Higher scores often qualify for better rates, which can lower your monthly payment.

Ways to prepare

  • Pay bills on time

  • Reduce revolving debt

  • Avoid new credit accounts before applying

Takeaway: A strong credit profile supports better loan terms and more buying power.

If you’re preparing to buy, I can help you understand where to start.

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