Which score do mortgage lenders use your credit score or your FICO score?

In evaluating your credit worthiness, majority of mortgage lenders utilized the credit scoring system developed by Fair Isaac Corporation. Based on the FICO score, mortgage lenders will tag borrowers as below prime if they have a score of at most 620, while those borrowers with a score of 650 will be good but with some caution and a borrower with a score of 720 would be considered first rate. However, you must bear in mind that the ultimate determination whether or not to grant you a mortgage, will be the creditor in spite of your credit score figures, since there are other factors that maybe taken into account, such as your disposable income, status of employment and the percentage of your overall debt compared to your total earnings.

Accordingly, "some lenders specialize in loans to borrowers with low scores. However, the lender will likely ask you to produce extra documents such as bank statements and W2s to support your application, and you may have to pay a higher interest rate.

I cant really gove you an answer,but what I can give you is a way to a solution, that is you have to find the anglde that you relate to or peaks your interest. A good paper is one that people get drawn into because it reaches them ln some way.As for me WW11 to me, I think of the holocaust and the effect it had on the survivors, their families and those who stood by and did nothing until it was too late.