Many lender’s guidelines consider credit scores in 20 point intervals. For example, a borrower with a credit score of 599 may have more ltv restrictions than a borrower with a 601, even though there are only two points difference. If your credit score is just a few points away from an even 20 point interval (such as 679, 638, or 599) be sure to ask your mortgage professional if the allowed loan to value ratio would be higher with a small score improvement. If the difference is significant you should consider reviewing your credit report and determine the best way to gain a few points on your credit score.

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