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Assessment your credit score report: Earlier than you begin the mortgage underwriting process, check your credit score report to verify it’s correct and correct any data that is not right. The minimum credit rating you may need varies by the mortgage sort and lender, however typically, you’ll want a score of 620 or above to safe financing. A score of 760 or better will provide help to lock in the very best interest rates. Make sure you assessment the credit necessities for your mortgage kind earlier than making use of.