cancel
Showing results for 
Search instead for 
Did you mean: 

First time Home Buyer giving stats

Your FICO® Scores can impact your loan interest rates, terms, approvals and more.
Frequent Contributor

First time Home Buyer giving stats

I'm not sure if this will help anyone or anything but I did my preapproval this past Wed (February 13th and was approved for the asking amount I wanted of 250k) with Mortgage Numbers EX.711, TU 685, and EQ 719 and when the guy told me he saw my report and they used the middle score of 711 I was like RIGHT ON THE MONEY!     I was so happy how accurate MyFico is and this is NOT what CreditKarma or CreditSesame says my score reports so if you are looking around I would recommend definitely using the middle score of the Mortgage Options to base if you want to go ahead and shoot the shot or hold off a little I couldn't be happier and I'm so glad I waited for it to reflect over 700 too!    Ty and hopefully this helps!?

Starting Score: 537
Current Score: 725
Goal Score: 775


Take the myFICO Fitness Challenge








38 REPLIES 38
Regular Contributor

Re: First time Home Buyer giving stats

Thank you for sharing! What was credit karma and credit sesame reporting for you? Mine was around 56 pt difference!
Message 2 of 39
Frequent Contributor

Re: First time Home Buyer giving stats

Mine wasn't that big of a difference that's a big difference!   My CK was showing TU at 695, and 684 Equifax and CS is showing 695 Smiley Very Happy

Starting Score: 537
Current Score: 725
Goal Score: 775


Take the myFICO Fitness Challenge








Message 3 of 39
Frequent Contributor

Re: First time Home Buyer giving stats

Also on Credit Sesame it says up to 232k, and I got up to 250k Smiley Very Happy  So if that helps?!

Starting Score: 537
Current Score: 725
Goal Score: 775


Take the myFICO Fitness Challenge








Message 4 of 39
Frequent Contributor

Re: First time Home Buyer giving stats

My Stats are updated as of Today so the 17th Smiley Happy

Starting Score: 537
Current Score: 725
Goal Score: 775


Take the myFICO Fitness Challenge








Message 5 of 39
New Contributor

Re: First time Home Buyer giving stats

Thank you for sharing, I typically always pick the lowest score if I'm talking to a lender lol. I will keep this in mind when the time comes Smiley Happy
Starting: 2/2019

Current 3/2019


Current Cards:

Dream Accounts:
Message 6 of 39
Frequent Contributor

Re: First time Home Buyer giving stats

That's a good mentality to have though just to be safe that way if it is higher then perfect!

Starting Score: 537
Current Score: 725
Goal Score: 775


Take the myFICO Fitness Challenge








Message 7 of 39
Frequent Contributor

Re: First time Home Buyer giving stats

*update* It's 4/2/19 and I asked my mortgage person if by chance I could go a bit higher so I am at 270k at 4% (that % might be harder to nail though since it does fluctuate :/)   middle mortgage score of 715 Smiley Very Happy     Our first couple of inspections are tomorrow and if all goes well by the end of this month I'll be a home owner!     *fingers crossed* and I'll still keep posting to hopefully help 

Starting Score: 537
Current Score: 725
Goal Score: 775


Take the myFICO Fitness Challenge








Message 8 of 39
Community Leader
Super Contributor

Re: First time Home Buyer giving stats


@Girlzilla88 wrote:

*update* It's 4/2/19 and I asked my mortgage person if by chance I could go a bit higher so I am at 270k at 4% (that % might be harder to nail though since it does fluctuate :/)   middle mortgage score of 715 Smiley Very Happy     Our first couple of inspections are tomorrow and if all goes well by the end of this month I'll be a home owner!     *fingers crossed* and I'll still keep posting to hopefully help 


Congrats so far... Yes, please keep posting and hope all goes well.

Message 9 of 39
Frequent Contributor

Re: First time Home Buyer giving stats

Thank you so far inspection went well and I'm at the verification/underwriting part for the loan I should know more he said by the end of the week and if I have hiccups along the way I'll definitely post so hopefully it can help other people better prepare or if people have recommendations they can help too!     Smiley Happy

Starting Score: 537
Current Score: 725
Goal Score: 775


Take the myFICO Fitness Challenge








Message 10 of 39