Know your credit score BEFORE you apply for a mortgage!

Look, I am here to break the news to you… Credit Karma and your credit cards, NONE OF THEM are giving you your ACCURATE mortgage scores! And they can be DRAMATICALLY different than the actual scores you will be qualified with!

So what is the solution then? Where is this magical place to see your ACTUAL mortgage scores?? The MY FICO APP!

That is right, that is the only place I KNOW OF, that will show you your fico 8 score, your auto loan scores, AND your MORTGAGE SCORES (the fico, 5, 4, 2 scores).

When a lender pulls your credit these are the scores they are going to see. They are going to look at Equifax, Transunion, and Experian and take the MIDDLE of the 3 to qualify you. If you have a co-borrower they will take the LOWER middle score of the two of you!

Knowing this information gives you power in the home buying process.
YES, you still have to get a pre-approval officially before home shopping, but being able to see your FULL reports, see what your credit utilization is at, and what inquires or collections are on your report, allows you to know exactly what is helping and what is hurting you. That way, you can be READY when the lender does finally pull your report and not have to be terrified at what they will see.

the myFico app is about $50 a month for a monthly updated report and if you are looking to buy a home in 6-12 months, it is TOTALLY WORTH the investment if you are unsure of where you stand with your credit score!

**I am not an affiliate with myFico in any way. Use at your own risk.