Credit Score

“Hi Gary. I just had my credit run and my FICO score is a 633. Is that good?”

***ANSWER:
Please refer to this chart:

720+ AA
700-719 A
680-699 B+
660-679 B
640-659 B-
620-639 C+
600-619 C
580-599 D
350-579 F

680+ / “Low Risk”
With credit this stellar, you’ll get the very lowest available rates.

620-679 / “Medium Risk”
In this range, you can still get many loans, but not always at the very lowest rates.

619- / “High Risk”
Depending on your score, you can get a “non-prime” home loan, but you’ll pay a little premium on the rate.

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