Is this a fair Home Mortgage loan?

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Is this a fair Home Mortgage loan?

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We’ve told you that lenders gauge your risk based on your FICO^® scores. We can show you the rates you should expect based on your FICO^® scores. If the loan offers you are receiving have higher rates than your FICO^® scores justify, then tell your lenders.

Mortgage rates as of November 24, 2008

FICO® score	APR	Monthly payment *
760-850	5.675%	$1,736
700-759	5.897%	$1,779
660-699	6.181%	$1,834
620-659	6.991%	$1,994
580-619	9.024%	$2,419
500-579	10.310%	$2,702

Loan Type Location
Loan amount

For scores above 620, the APRs above assume a mortgage with 1.0 points and 80% Loan-to-Value Ratio. For scores below 620, these APRs assume a mortgage with 0 points and 60 to 80% Loan-to-Value Ratio. Assumes mortgage is for a single family, owner-occupied property.

Make sure you’re being offered the best rates based on your current FICO^® scores – get all three FICO^® scores now. If your FICO^® scores aren’t high enough to qualify you for a good interest rate, Suze Orman’s FICO^® Kit Platinum provides personalized coaching on actions you can take to get your scores into the higher ranges.

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Which lender has the better loan?

See how your loans compare both today and tomorrow.

If the offers you receive seem fair based on your FICO^® scores, compare them. Often it’s difficult to see how loans will look after all of the costs are factored in and the rates are calculated. Loans may also change over time, so it’s important so see what your payments will look like in the future – this is especially true of adjustable rate loans.

This page includes an advertisement of SecureRights, and all mortgage-loan related services are offered and provided by SecureRights. Click here for more information about Secure Rights, including state licenses. Advertisements are displayed for the convenience of users of this website. myFICO^® makes no representation or warranty regarding the products and services offered and does not recommend, endorse, promote or sponsor the products and services offered by any third party advertising on this website. myFICO^® is not acting as, nor is it, a licensed mortgage broker or mortgage lender.