{"id":47,"date":"2026-10-25T15:00:00","date_gmt":"2026-10-25T15:00:00","guid":{"rendered":"http:\/\/blogs.room-vu.com\/mrkenmortgage-com\/2026\/10\/25\/buying-a-home-a-new-credit-score-could-lower-your-rate\/"},"modified":"2026-10-25T15:00:00","modified_gmt":"2026-10-25T15:00:00","slug":"buying-a-home-a-new-credit-score-could-lower-your-rate","status":"publish","type":"post","link":"https:\/\/www.mrkenmortgage.com\/blog\/2026\/10\/25\/buying-a-home-a-new-credit-score-could-lower-your-rate\/","title":{"rendered":"Buying A Home? A New Credit Score Could Lower Your Rate"},"content":{"rendered":"<div class=\"roomvu-news-container\">\n<p>When it comes to securing a mortgage, your credit score can make a real difference in the rate you\u2019re offered. The Federal Housing Finance Agency now allows approved lenders to use either VantageScore 4.0 or Classic FICO for mortgages. For borrowers with limited credit history, VantageScore 4.0 might open new doors\u2014though it\u2019s important to know that not every lender is on board yet, and if your loan goes through manual underwriting, Classic FICO is still required.<\/p>\n<p>After 30 years of guiding folks through the mortgage maze, I\u2019ve seen how the right credit profile can impact your options, especially if your income or background doesn\u2019t fit the usual boxes. If you\u2019re self-employed or your finances are a little outside the norm, understanding which score a lender uses can help you prepare and put your best foot forward. Getting the details right from the start is how I help clients cross the finish line, no matter how complicated the route.<\/p>\n<p>\t<a class=\"roomvu-news-continue\" href=\"https:\/\/www.badcredit.org\/news\/buying-a-home-a-new-credit-score-could-lower-your-rate\/\"><\/p>\n<div>Continue to full article<\/div>\n<p>\t<\/a><\/p>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>When it comes to securing a mortgage, your credit score can make a real difference in the rate you\u2019re offered. The Federal Housing Finance Agency now allows approved lenders to use either VantageScore 4.0 or Classic FICO for mortgages. For borrowers with limited credit history, VantageScore 4.0 might open new doors\u2014though it\u2019s important to know [&hellip;]<\/p>\n","protected":false},"author":564,"featured_media":48,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-47","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-latest-posts"],"_links":{"self":[{"href":"https:\/\/www.mrkenmortgage.com\/blog\/wp-json\/wp\/v2\/posts\/47","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.mrkenmortgage.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.mrkenmortgage.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.mrkenmortgage.com\/blog\/wp-json\/wp\/v2\/users\/564"}],"replies":[{"embeddable":true,"href":"https:\/\/www.mrkenmortgage.com\/blog\/wp-json\/wp\/v2\/comments?post=47"}],"version-history":[{"count":0,"href":"https:\/\/www.mrkenmortgage.com\/blog\/wp-json\/wp\/v2\/posts\/47\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.mrkenmortgage.com\/blog\/wp-json\/wp\/v2\/media\/48"}],"wp:attachment":[{"href":"https:\/\/www.mrkenmortgage.com\/blog\/wp-json\/wp\/v2\/media?parent=47"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.mrkenmortgage.com\/blog\/wp-json\/wp\/v2\/categories?post=47"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.mrkenmortgage.com\/blog\/wp-json\/wp\/v2\/tags?post=47"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}