 TITLE: What Kind of Mortgage Interest Rate Can I Get With a 750 Credit Score? CONTENT: Be Prepared and Know Your Credit Before You Apply\n-------------------------------------------------\nBefore you begin looking at homes, consider asking a lender to preapprove you for a loan. This will tell you how big of a loan you qualify for, which will be a major factor in your home search. Mortgage preapproval won't affect your credit scores.\nWhen getting a preapproval, lenders will check your credit and other aspects of your finances to see what you can afford. If you don't already know what your credit score is, it's a good idea to check it on your own prior to talking to a lender.\nLenders will look through your report carefully, with an eye out for a record of on-time payments and whether you have any derogatory marks on your reports. Your credit utilization ratio will also be a key factor, as it tells the lender how much of your available credit you're currently using.\nHaving a preapproval isn't always required, but many sellers will not accept offers from buyers who have not been preapproved. In a busy real estate market, you could hurt your chances for getting the house you desire if you don't have one.\nIf you check your credit and find that your score isn't where you want it to be, take some time to improve it before talking to a lender. END