Home Owner, Idaho Falls, ID
Shop around when looking for a large loan of any kind. Each lender takes different factors into account in creating "credit scores". Contrary to what many in the real estate business have been lead to believe, there is no real standard (FICO etc are just guides) and every major lender uses their own scoring system. It is usually profitability to the first holder of the note that is being evaluated and not long term "worthiness". A history of conduct such as early payoffs, and avoiding interest and fees can lower the actual scores just as quickly as missing payments. DO NOT assume that a loan is affordable simply because a bank or broker is willing to make you the loan. Do your own math.