First and foremost when looking for a mortgage know exactly where you are with your 3 credit scores - lenders are going to pull all 3 scores and use the middle score to qualify you. Once you have applied for a loan do not do anything to affect your score
Your credit score is the first driving force in your ability to get a loan. If your score is less than 720 it will not prevent you from getting a loan but could affect your ability to get the best rate available.
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