Standard guidelines that FNMA uses..
Middle score of the 3 bureaus.
The highest and lowest scores do not matter.
These are MORTGAGE score pulls, not what a consumer score pulls by paying for their score on the internet, falling for more misleading propaganda that was probably printed in the WSJ.
I have access to 3 different scores from one of the credit bureaus, as well as scores from the other 2 bureaus. I can assure you that most others dont have this access.
It can make a difference of tens of thousands of dollars over the life of a loan.
From the bureau that allows me 3 different scores, I have seen spreads of 50 points. I can choose the highest of the 3 for that bureau, allowing me to get someone the best rate possible forn their situation.
These are FNMA actual guidelines, not average guidelines. ,HLS
