Check your Credit Score

Take control of your mortgage rate.

Credit scores are used in over 75% of mortgage decisions. The more you know about your credit score and the factors that drive it, the more empowered you'll be to improve your score over time — and earn the best rate you can for your original mortgage or refinancing.

A score below 620 is considered to be "subprime," meaning you can not expect the best mortgage interest rates. A score above 660 qualifies you for better interest rates.

You can check your own score by clicking on the link below. Be sure to order all three repositories, as each credit reporting agency scores differently. Mortgage lenders will use the middle score of the three.