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Frequently Asked Questions
How do I compare mortgage lenders?
Compare lenders using the same loan amount, term, and credit profile so APRs are apples-to-apples. Look beyond the interest rate to closing costs, lender fees, and loan program availability (FHA, VA, USDA, conventional, jumbo).
What credit score do I need for a mortgage in 2026?
FHA loans can be available with a credit score as low as 580 with a 3.5% down payment. Conventional loans typically require 620+, and the best rates are usually reserved for borrowers with scores of 740 or higher.
Should I get pre-approved by multiple lenders?
Yes. Getting pre-approved by 2-3 lenders within a short window (typically 14-45 days) counts as a single inquiry for credit scoring purposes and lets you compare real rate offers based on your actual credit profile.
Are the rates shown here guaranteed?
No. Rates shown are illustrative national averages for 2026 and change daily based on market conditions, loan amount, credit score, down payment, and property type. Always confirm current rates directly with each lender.