LOOKING FOR A MORTGAGE? YOU NEED TO KNOW YOUR CREDIT SCORE

Credit score requirements are tightening across the mortgage industry, and many borrowers don’t realize how dramatically lender standards have shifted. A score that used to be considered “good enough” is now barely meeting the minimum threshold for approval.

See why knowing your credit score early can make or break your mortgage approval. 👇

Lenders are raising expectations, and understanding these new requirements can help you avoid surprises and secure better rates.

1️⃣ Why 720 Is Becoming the New Standard

For years, a 650 credit score was the acceptable mid-range for most lenders.

✔️ now primary borrowers often need 720+

✔️ secondary borrowers can’t fall below 650

✔️ higher scores required for best rates

This shift affects qualification, product availability, and interest rate tiers.

2️⃣ Lower Scores Mean Higher Costs for Banks

New regulatory changes require lenders to set aside more capital for lower-credit borrowers.

✔️ risk-based capital rules increasing

✔️ lower scores = more lender liability

✔️ investors demand higher returns

As lender risk increases, borrowers with lower scores face higher interest rates.

3️⃣ Strong Credit Gives You More Options

The higher your score, the more flexibility you gain.

✔️ access to more lenders

✔️ better rate discounts

✔️ wider product selection

✔️ more forgiving debt ratios

A strong score can save you thousands over the life of your mortgage.

4️⃣ Get Pre-Checked Before You Start House Shopping

Many buyers look at homes before reviewing their credit — and that’s backwards.

✔️ identify issues early

✔️ correct errors on your report

✔️ rebuild credit if needed

✔️ understand your price range

Knowing your score upfront avoids disappointment and strengthens your approval strategy.

💬 Final Thought

Credit standards are tightening, and borrowers who understand their score early stay ahead of lender changes, avoid higher rates, and position themselves for the best mortgage options available. Preparation now prevents stress later.

If you’d like us to review your credit score, assess your borrowing power, or guide you through the approval process, send The Frontline Mortgage Group a message anytime.