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Let Your Mortgage Fall For FICO

Let’s talk about that little three-digit number that has way too much power over your life: your FICO score. It’s like the Sorting Hat of the mortgage world—deciding whether you get the cozy cottage, the dreamy two-story, or…a one-way ticket to “try again next year.” At Justice Homes, we want to break down what your FICO score means for your mortgage, minus the financial jargon and plus a little real-talk.

Why FICO Is the Star of the Show

Your FICO score is basically a trust meter for lenders. It tells them how risky (or not) it is to lend you hundreds of thousands of dollars. The higher your score, the more likely you are to snag a mortgage with:

• Lower interest rates (a.k.a. smaller monthly payments and more money for pizza Fridays).
• Better loan options (think fewer hoops to jump through).
• More negotiating power (because who doesn’t like a little leverage?).

What’s a “Good” Score Anyway?

While exact numbers vary by lender, here’s a cheat sheet:

• 760+: You’re basically a mortgage VIP. Red carpet, velvet rope, the whole thing.
• 700–759: Solid, strong, dependable. Lenders will want to swipe right.
• 650–699: Not bad! You can still get a mortgage, but maybe not the superstar rates.
• Below 650: Let’s just say, you might need a little credit TLC before scoring the dream home.

Can You Raise Your FICO?

Good news: your FICO score isn’t tattooed on your forehead. You can improve it by:

• Paying bills on time (even the boring ones).
• Paying down debt instead of maxing out credit cards.
• Avoiding opening five store credit cards just because they offered 20% off.
• Double-checking your credit report for errors (yes, they happen).

FICO + Your Future Home

Here’s the bottom line: a higher FICO score doesn’t just get you approved for a mortgage—it can save you tens of thousands of dollars over the life of your loan. That’s a lot of backyard BBQs, vacations, or epic furniture shopping trips for your new pad.

At Justice Homes, we’re here to help you navigate the path to homeownership with confidence. Whether your FICO is already flexing or still needs a little workout, we’ll guide you through your mortgage options and help you land the home that feels just right.

By Justice Homes Staff 9-1-2025