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Consumer Daily Reports

Credit score and loan application
Photo (c) jayk7 - Getty Images
The importance of having an excellent credit score has never been more apparent than it is in today’s housing market, where home prices are still rising and mortgage rates have nearly doubled this year.

While the average 30-year fixed-rate mortgage is now around 5.7%, it is much higher for homebuyers with only “fair” credit – which translates to a FICO Score of between 580 and 669. The experts at Zillow estimate that someone with “fair” credit would pay nearly $104,000 more over the life of a loan than a buyer of the same house who had “excellent” credit.

Of course, most buyers either sell or refinance their home well before 30 years. On a monthly basis, a buyer with less-than-perfect credit would pay an extra $288 in interest every month they had the loan. In some cases, that extra expense might prevent them from being approved for a mortgage.

Zillow estimates that today's home buyers can expect to pay around 62% more per month to buy a typically priced U.S. home than they would have a year ago. Researchers examined credit scores against current mortgage rates and found that monthly costs are much higher because lenders charge higher interest rates for borrowers with low credit scores or less than perfect credit histories.

Understand your financial picture

Currently, someone with an "excellent" credit score — between 760 and 850 — can qualify for a 30-year fixed-rate mortgage with a 5.099% interest rate. However, a borrower with only “fair” credit could expect to pay 6.688%.

"When you are thinking about buying a home, the best first step you can take is to fully understand your financial picture, what you can afford, and your outstanding debts or obligations," said Libby Cooper, Zillow Home Loans vice president. 

Other ways to raise your credit score

Cooper says it will pay off to proactively raise your credit score before applying for a mortgage. There are several steps to achieve that goal, but the most fundamental is to make sure you pay every bill on time every month.

Analyze your credit card balances. Credit agencies look at how much of your available credit you are using and ding your credit if you are using too much. For example, if you have a $4,000 balance on a card with a $5,000 credit limit, your “credit utilization” is 80%. Work on paying down the debt while asking the credit card lender to raise your credit limit. That combination will lower your credit utilization percentage.

There’s a shortcut that can also lower your credit utilization. If a family member has a credit card with a high credit limit and a low balance, ask to be added as a user on the account. Without ever making a purchase, your credit utilization profile will improve.

“Take realistic steps to improve your credit score by doing things like disputing possible report errors and paying down as much debt as possible,” Cooper said. “This could increase the amount of home loan you qualify for."



Posted: 2022-08-03 14:39:20

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Published: 23rd Mar 2023 03:00:00   By: FTCvideos

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How to spot scammers who pretend to be IRS officials to get you to send them money. Learn more about IRS imposter scams at https://www.ftc.gov/imposters ****************************** Transcript: Scam artists are pretending to be IRS officials to get your money. They'll call, email, or text you claiming you owe back taxes or there's a problem with your tax return. They even rig caller ID to make their call look official. They play on your fears. They threatened to take your driver's license or sue, arrest, or deport you. They want you to pay, fast. What's the truth? The truth is the IRS's first contact with you will always be a letter in the mail. It's not a phone call, email, or text message. They won't insist that you pay with a prepaid debit card, a wire transfers, or cashier's check. Now you know. Has an IRS impostor contacted you? Report it at FTC.gov/impostors. ****************************** The Federal Trade Commission deals with issues that touch the economic life of every American. It is the only federal agency with both consumer protection and competition jurisdiction in broad sectors of the economy. The FTC pursues vigorous and effective law enforcement; advances consumers' interests by sharing its expertise with federal and state legislatures and U.S. and international government agencies; develops policy and research tools through hearings, workshops, and conferences; and creates practical and plain-language educational programs for consumers and businesses in a global marketplace with constantly changing technologies. Comment Moderation Policy We welcome your comments and thoughts about the information on this page. If you do have something to say, please be courteous and respectful to other commenters. We won't routinely review any comments before they are posted (except for ones that contain urls and profanity), but we will delete any comments that: 1) contain spam or are off-topic 2) use vulgar language or offensive terms that target specific groups or contain personal attacks 3) are sales pitches or promotions 4) have urls or links to commercial sites 4) spread clearly misleading or false information or 5) include personal information, like home addresses

Published: 23rd Mar 2023 12:00:22   By: FTCvideos

FTC Video: Family Emergency Imposter Scams - Short | Federal Trade Commission

Family Emergency Imposter Scams - Short | Federal Trade Commission
Play Video: Family Emergency Imposter Scams - Short | Federal Trade Commission


Imposters claim to be friends or family in distress to trick consumers into wiring money. Learn more about family emergency imposter scams at https://www.ftc.gov/imposters ****************************** Transcript: Grandad, it's me-- an accident in Mexico-- I'm in jail. Jimmy, is that you? Yeah, it's Jimmy. I need money for bail right now. In jail? You need to send money right now. Please don't tell anyone. Scammers are tricky and can pretend to be anybody in any situation. They seem like the real deal. They play on your fears. The goal-- to get you to act fast. Check out if they really are who they say they are, even if they sound like a loved one. Heard from an impostor? Report it at ftc.gov/imposters. ****************************** The Federal Trade Commission deals with issues that touch the economic life of every American. It is the only federal agency with both consumer protection and competition jurisdiction in broad sectors of the economy. The FTC pursues vigorous and effective law enforcement; advances consumers' interests by sharing its expertise with federal and state legislatures and U.S. and international government agencies; develops policy and research tools through hearings, workshops, and conferences; and creates practical and plain-language educational programs for consumers and businesses in a global marketplace with constantly changing technologies. Comment Moderation Policy We welcome your comments and thoughts about the information on this page. If you do have something to say, please be courteous and respectful to other commenters. We won't routinely review any comments before they are posted (except for ones that contain urls and profanity), but we will delete any comments that: 1) contain spam or are off-topic 2) use vulgar language or offensive terms that target specific groups or contain personal attacks 3) are sales pitches or promotions 4) have urls or links to commercial sites 4) spread clearly misleading or false information or 5) include personal information, like home addresses

Published: 21st Mar 2023 06:34:07   By: FTCvideos

DIY Video: How to make a Shoe Rack | DIY | Great Home Ideas

How to make a Shoe Rack | DIY | Great Home Ideas
Play Video: How to make a Shoe Rack | DIY | Great Home Ideas


Welcome to Great Home Ideas, where you’ll find inspiring home makeovers, delicious recipes, quick & easy DIY projects, design & gardening ideas, plus hints, tips, how tos and advice on pets, health, tech and more. Check out our channel & subscribe to see more videos like this one every day of the week. Click here to subscribe: https://bit.ly/3hxN7d5

Published: 27th May 2023 11:45:00   By: Great Home Ideas

DIY Video: Garden Walkaround - Elegans| GARDEN | Great Home Ideas

Garden Walkaround - Elegans| GARDEN | Great Home Ideas
Play Video: Garden Walkaround - Elegans| GARDEN | Great Home Ideas


Welcome to Great Home Ideas, where you’ll find inspiring home makeovers, delicious recipes, quick & easy DIY projects, design & gardening ideas, plus hints, tips, how tos and advice on pets, health, tech and more. Check out our channel & subscribe to see more videos like this one every day of the week. Click here to subscribe: https://bit.ly/3hxN7d5

Published: 26th May 2023 11:45:04   By: Great Home Ideas

DIY Video: Renters Garden Makeover | GARDEN | Great Home Ideas

Renters Garden Makeover | GARDEN | Great Home Ideas
Play Video: Renters Garden Makeover | GARDEN | Great Home Ideas


Welcome to Great Home Ideas, where you’ll find inspiring home makeovers, delicious recipes, quick & easy DIY projects, design & gardening ideas, plus hints, tips, how tos and advice on pets, health, tech and more. Check out our channel & subscribe to see more videos like this one every day of the week. Click here to subscribe: https://bit.ly/3hxN7d5

Published: 25th May 2023 11:45:02   By: Great Home Ideas

DIY Video: Amazing Homes - Daylesford Long House | HOME | Great Home Ideas

Amazing Homes - Daylesford Long House | HOME | Great Home Ideas
Play Video: Amazing Homes - Daylesford Long House | HOME | Great Home Ideas


Welcome to Great Home Ideas, where you’ll find inspiring home makeovers, delicious recipes, quick & easy DIY projects, design & gardening ideas, plus hints, tips, how tos and advice on pets, health, tech and more. Check out our channel & subscribe to see more videos like this one every day of the week. Click here to subscribe: https://bit.ly/3hxN7d5

Published: 18th May 2023 11:45:02   By: Great Home Ideas

DIY Video: Family Garden Makeover | GARDEN | Great Home Ideas

Family Garden Makeover | GARDEN | Great Home Ideas
Play Video: Family Garden Makeover | GARDEN | Great Home Ideas


Welcome to Great Home Ideas, where you’ll find inspiring home makeovers, delicious recipes, quick & easy DIY projects, design & gardening ideas, plus hints, tips, how tos and advice on pets, health, tech and more. Check out our channel & subscribe to see more videos like this one every day of the week. Click here to subscribe: https://bit.ly/3hxN7d5

Published: 17th May 2023 11:45:00   By: Great Home Ideas

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