Your credit score is the single biggest lever on your rate and your loan options. Work through this list before you apply — most of it is free, and a 40-point lift can save you hundreds a month.
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The score tiers that matter
| Score | What it unlocks |
|---|---|
| 580 | FHA loan with 3.5% down |
| 620 | GSFA Golden Opportunities and most Texas programs |
| 640 | CalHFA MyHome (FHA), GSFA Platinum |
| 680 | CalHFA MyHome on a conventional loan, better rates |
| 740+ | The best conventional rates and lowest PMI |
Not sure where you stand? Pull your reports first — they are free — then start your pre-approval and I will tell you exactly what to fix, in what order, and how long it will take.