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The mortgage scores here are exactly the ones that a mortgage lender will use.
While a 669 mid-score may not get the best possible interest rates, a 669 and the 20% down payment is certainly enough to be approved. (And getting that up to at least a 680 might be possible with a little work...)
I assume that you've checked that payments on a $400k loan will be manageable for your income, and that your debt-to-income ratio (DTI) is in the normal range for mortgage approval?
Good luck!
Welcome to the board. What scores are you going by? Is it FICO 08? If so, you can get your mortgage scores here http://www.myfico.com/products/fico-score-3b-report/
Also, it will be hard for anyone here to predict what your rate will be as we can't see your credit report.
Just to update everyone, I stopped by to see a mortgage loan officer today and the mortgate fico scores that he pulled matched exactly to the scores that I see on MyFico for mortgage. I guess MyFico scores are a lot more reliable when compared to other services like Experian and Credit Karma. Everyone should utilize MyFico if you want to see where you are at before starting the home buying process.
@Anonymous wrote:Just to update everyone, I stopped by to see a mortgage loan officer today and the mortgate fico scores that he pulled matched exactly to the scores that I see on MyFico for mortgage. I guess MyFico scores are a lot more reliable when compared to other services like Experian and Credit Karma. Everyone should utilize MyFico if you want to see where you are at before starting the home buying process.
Glad they matched up for you and I agree that people should get the 3B FICO product to know what their mortgage scores are before beginning the process. Congrats on starting the journey.