Credit Help for Real Estate Financing: Credit Scores

When you buy real estate, lenders run all of the "big three" credit bureau reports. Each credit reporting agency lists your credit history as supplied to them by the individual lenders and includes governmental records. Each report assigns a credit score number to you. The credit scores reflect your theoretical risk of default to the lending institutions.

Software developed by Fair Isaac and Company generates your "FICO score." Experian uses a system called Fair Isaac Risk Model, a computer program which rates you with a score according to Experian's information. Equifax bases scores on BEACON programs and TransUnion bases scores on EMPIRICA models.

Your Baseline

You have three credit scores, often called FICO scores, one from each credit bureau. The lender takes the middle score as your baseline. Lenders have different standards, but generally a "C" score is around 500 to 600, a "B" is around 600 to 680, and an "A-" is above 680. Over 700 is the magical number that gets you the attention you desire. If your score is under 500, find someone to privately finance for you or a partner with good credit while you work on improving your score.

How Lenders Rate You

Credit score Available mortgage financing
720 - 800 Superb! You get what you want
700 - 719 Wonderful! You get top rates & terms
680 - 699 Good! You get good rates & terms
660 - 679 All right. You pay higher costs & rates
640 - 659 Okay score if good income
620 - 639 Weak. You need good income & some money
600 - 619 Poor. Use creative loan broker & pay more loan costs
580 - 599 Almost impossible without large down payment
Under 580 Work on fixing credit without delay

What Does Not Count In Your Credit Score

The scoring model doesn't compute:

Age & gender
Race
Whether you own a home or rent
Length of time at your current address
Job or length of employment at your job
Income
Education
Marital status
Whether or not you've been turned down for credit.

Real estate lenders don't just consider your credit score when you apply for mortgage financing. Understanding your credit score helps you with this one part of your mortgage requirements.

Copyright © 2005 Jeanette J. Fisher - All Rights Reserved.

Professor Jeanette Fisher, author of "Credit Help! Get the Credit You Need to Buy Real Estate," "Doghouse to Dollhouse for Dollars," and other books teaches Real Estate Investing and Design Psychology. For more articles, tips, reports, and newsletters, see http://www.recredithelp.com/

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table border=0 width= valign=top cellpadding=2 cellspacing=7trtd valign=top class=jfont style=font-size:85%;font-family:arial,sans-serifbrdiv style=padding-top:0.8em;img alt= height=1 width=1/divdiv class=lha href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.reuters.com/article/usDollarRpt/idUSN1359564220081013cid=1257593303ei=d4D0SKbbKKjk6gP36-iXDQusg=AFQjCNG2oLAbwhDPAPOiUd337XzHExONGQFOREX-Dollar, yen fall as bcredit/b markets ease; euro rises/abrfont size=-1font color=#6f6f6fReutersnbsp;-/font nobr14 hours ago/nobr/fontbrfont size=-1quot;The whole idea that the dollar is benefiting from frozen bcredit/b markets is now starting to dissipate,quot; said Brian Dolan, chief FX strategist, at Forex.com b.../b/font/div/font/td/tr/table
table border=0 width= valign=top cellpadding=2 cellspacing=7trtd valign=top class=jfont style=font-size:85%;font-family:arial,sans-serifbrdiv style=padding-top:0.8em;img alt= height=1 width=1/divdiv class=lha href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://money.cnn.com/news/newsfeeds/articles/djf500/200810131939DOWJONESDJONLINE000674_FORTUNE5.htmcid=1257447388ei=d4D0SKbbKKjk6gP36-iXDQusg=AFQjCNF68MtyMylBUp0yCbWGLbtHDf2oSQUtility Shares Bounce, Impact From bCredit/b Freeze Muted/abrfont size=-1font color=#6f6f6fCNNMoney.comnbsp;-/font nobr11 hours ago/nobr/fontbrfont size=-1The state of the bcredit/b markets remained unclear, however, as many markets were closed for the Columbus Day holiday. The bcredit/b market freeze has led at b.../b/font/div/font/td/tr/table
table border=0 width= valign=top cellpadding=2 cellspacing=7trtd width=80 align=center valign=topfont style=font-size:85%;font-family:arial,sans-serifa href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://business.maktoob.com/NewsDetails-20070423189725-Central_banks_fire_new_rounds_to_break_bank_lending_logjam.htmcid=1257596751ei=d4D0SKbbKKjk6gP36-iXDQusg=AFQjCNFgciArQeiY4-Ef0hesdHp8YZYouAimg src=http://news.google.com/news?imgefp=7t0mjDgZG24Jimgurl=business.maktoob.com/BusinessImages/News/20070423189725/Feature.jpg width=80 height=48 alt= border=1brfont size=-2Maktoob/font/a/font/tdtd valign=top class=jfont style=font-size:85%;font-family:arial,sans-serifbrdiv style=padding-top:0.8em;img alt= height=1 width=1/divdiv class=lha href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.business-standard.com/india/storypage.php%3Ftp%3Don%26autono%3D47945cid=1257596751ei=d4D0SKbbKKjk6gP36-iXDQusg=AFQjCNHQwVXn6oWifk85ta19hZKj8w0q0A#39;Liquidity injections#39; help central banks keep bcredit/b flowing/abrfont size=-1font color=#6f6f6fBusiness Standard,nbsp;Indianbsp;-/font nobr4 hours ago/nobr/fontbrfont size=-1The explanation begins at an imaginary ABC bank where Smith has gotten a bcredit/b of $27000 dollars to buy a car. The bank has credited Smith#39;s account and b.../b/fontbrfont size=-1a href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://online.wsj.com/article/SB122394342483231029.html%3Fmod%3Dgooglenews_wsjcid=1257596751ei=d4D0SKbbKKjk6gP36-iXDQusg=AFQjCNGTTFThI74fhKSIpNcFMvHvRpnbHgFed Opens Cash Spigot to Overseas bCredit/b Markets/a font size=-1 color=#6f6f6fnobrWall Street Journal/nobr/font/fontbrfont size=-1a href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.economist.com/finance/displaystory.cfm%3Fstory_id%3D12408936cid=1257596751ei=d4D0SKbbKKjk6gP36-iXDQusg=AFQjCNHbyQrHgbDp_3pX4LvuvT15UtH3QQThe financial crisis A light at the end of the tunnel?/a font size=-1 color=#6f6f6fnobrEconomist/nobr/font/fontbrfont size=-1a href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://baumanblog.sovereignsociety.com/2008/10/swiss-banks-sur.htmlcid=1257596751ei=d4D0SKbbKKjk6gP36-iXDQusg=AFQjCNFMKEM_BXNLl5yewTIZa-yACOVjEgSwiss Banks Survive European Blame Game/a font size=-1 color=#6f6f6fnobrSovereign Society/nobr/font/fontbrfont size=-1 class=pa href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.ibtimes.com/articles/20081010/dollar-finishes-the-week-in-strong-position-resolution-of-credit-crisis-could-tank-dollar.htmcid=1257596751ei=d4D0SKbbKKjk6gP36-iXDQusg=AFQjCNHhXaLUoB23lbZWzffu-Y9cAaS2ZwnobrInternational Business Times/nobr/anbsp;- a href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.wlos.com/template/inews_wire/wires.national/2e58525e-www.wlos.com.shtmlcid=1257596751ei=d4D0SKbbKKjk6gP36-iXDQusg=AFQjCNEp5VVpjZRM0LW-hcr6kyok473laAnobrWLOS/nobr/a/fontbr/font class=p size=-1a class=p href=http://news.google.com/news?sourceid=navclientie=ISO-8859-1rls=GGLG,GGLG:2005-22,GGLG:enncl=1257596751hl=ennobrall 592 news articles/nobr/a/font/div/font/td/tr/table
credit - Google News

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