Credit Score Mortgage Calculator
See exactly how your credit score affects your mortgage rate, monthly payment, and total interest over 30 years.
Don't Let Interest Rates Distract You From The Real Cost
Yes, your credit score affects your rate. But here's what most buyers miss: overpaying by $20,000 on your purchase price costs you more than a 0.5% higher interest rate.
Buyers obsess over getting the best rate, then make emotional offers $15,000-$50,000 above market value. That mistake costs far more than rate shopping saves.
Get Smart Offer Strategy - Only $9 →✓ Stop overpaying on purchase price ✓ Comparable sales analysis ✓ AI-powered offer recommendations
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Adjust the sliders and click "Calculate Impact" to see your results
Understanding Credit Score Tiers
Best rates available. Lenders compete for your business.
Above average rates. Most loan products available.
Higher rates. May need larger down payment.