Want a lower mortgage rate? Raise your credit score, trim your DTI, shop multiple lenders, and know if discount points are worth it. Start with these proven moves.

Your credit score directly controls your mortgage rate—and can cost you tens of thousands. See the actual rate differences, breakpoints, and ways to improve your score.

See what mortgage rates for excellent credit look like in 2026, how much a 760+ score could save you, and what can still raise your final rate when you apply.

Need a mortgage with a 700 credit score? See today’s 30-year and 15-year fixed rate ranges, why lenders price you differently, and how to get a lower quote.

Mortgage rates for a 620 credit score can run 0.5%–1% higher than prime. Here’s what to expect, how to compare offers, and 4 ways to lower your rate.

A 600 credit score can still qualify for an FHA mortgage. Here’s what current mortgage rates actually look like, why they’re higher, and how to lower your payment.