(Closed) What lender did you use and what was your credit score?

posted 7 years ago in Home
Post # 3
18637 posts
Honey Beekeeper
  • Wedding: June 2009

We used Countrywide and our scores were around 830 I believe.  Not helpful I know!  Our rate was 6.25% back in 2007.

You should consider going to a mortgage broker, they can tell you different rates for local banks.

Post # 4
1944 posts
Buzzing bee
  • Wedding: June 2009


I believe our original lender was American Home, but was then sold to Wells Fargo 2 mths later. We went through our builder so I can’t remember who exactly. I know they had a minimum requirement of a credit score of 670 or you would not qualify. Mine was 720 but my hubs was 810.

Post # 5
682 posts
Busy bee
  • Wedding: November 2011

2006, Countrywide, 800’s. 5.25% interest rate

Post # 6
1137 posts
Bumble bee
  • Wedding: September 2010

2006 – 5.375% – 7 year ARM – Citi

2008 – 6.625% (investment property) – 30 year fixed – Wells Fargo

2010 – 5.125% – 30 year fixed – Nationstar

Credit Score – High 700’s

P.S. Go through a broker, not a bank. They will get you the best rate because they can shop around to many different lenders. At a bank, you are locked into their product offering and rates, there is no negotiation room.

Post # 7
2373 posts
Buzzing bee
  • Wedding: July 2008

We went through two lenders. The first was USAA where we used both our credit scores.. we ended up dropping our mortgage with them because they are inept.

His score: 715 Mine: 730 Interest rate: 4.8 percent

We ended up going through Bank of America. They were pretty awesome- we just used his credit this time (I have student loans which really hindered how much we could get). Our mortgage interest rate is 4.65 percent

Post # 8
4 posts

We used Wells fargo. I have horrible credit so I was worried (620) but my fiance’s is something around 780 so maybe that helped. Our interest rate is 4.25!

Post # 9
948 posts
Busy bee
  • Wedding: May 2011

2011- USAA Bank, Darling Husband and my score together was 720 and our interest rate 4.3%.

Post # 10
4046 posts
Honey bee
  • Wedding: November 1999

2010, third federal, 4.7%

both our credit scores are in the mid 700’s

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