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Good FICO Credit Score? Tips to Getting the Most Out of Your
Home Mortgage Loan With Good Credit
Sometimes so much is talked about how to solve the problem of
having bad credit, but what about when you have an excellent
credit rating? Good credit is considered to be a credit score of
650 or higher. How can you get the best interest rate and loan
terms to make your good credit history work for you? Even with
excellent credit, you have to be careful not to get talked into a
loan that may not be the best one you could qualify for. Here are
some tips to help you find the best loan for your great credit
history:
1. Apply with as many mortgage companies online that
will provide you with more than one quote per application, as
long as they will not pull your credit with your application. If
you are about to start applying for a mortgage, you don't want to
have your credit pulled until you have narrowed down which
mortgage company you want to work with. Every time your credit is
pulled, your FICO credit score drops.
2. Talk to your lender about closing costs. If you have
excellent credit, the lenders should be falling over themselves
to get you a loan. Ask for special treatment. Find out what fees
your broker or lender may be able to reduce or remove from your
closing costs. Find out if they will match lower fees offered by
another lender.
3. Make sure your lender is offering you excellent
customer service. Are they returning your calls quickly? Are they
answering all of your questions to your satisfaction? Have they
thoroughly researched all of your loan options and offered you
more than one possibility? If they haven't, you should probably
look somewhere else. With good credit, you have no reason to be a
quick, easy sale for a lender.
4. Research interest rates, mortgage information and
articles online so that when your lender offers you a loan
package, you will know about the fine print ahead of time.
Whether you are purchasing for the first time or refinancing, it
will help you to understand more about the mortgage process.
To view our list of recommended purchase or refinance mortgage
companies online, visit this page:
Recommended
Home Mortgage Companies Online.
Carrie Reeder is the owner of ABC Loan Guide, an
informational website about various types of loans.
 MORE RESOURCES updated Thu. February / 09 / 2012
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