What is ideal credit rate for mortgage?

[Anonymous]

What is the ideal credit rate for mortgage?  Which score is most important, or do they take an average of the 3 FICO scores?

Thanks!

[Revelate]

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@Anonymous wrote:

What is the ideal credit rate for mortgage?  Which score is most important, or do they take an average of the 3 FICO scores?

Thanks!

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Middle score of the three on the tri-merge report.  Toss out the high score and the low score = your mortgage score.

http://ficoforums.myfico.com/t5/Mortgage-Loans/FICO-scores-used-for-mortgage-and-where-to-obtain-them/td-p/3817869