A credit score alone is not the only information that a potential mortgage lender will look at to determine whether or not to process an application. History of outstanding debts and the fact of a person having steady and a long history of income are other major contributors. You can also look in http://www.clearcreekfinancial.com
Generally, 640 is the minimum credit score required for mortgage. However, if your score lies somewhere between 500 - 600 then you have to pay high interests rates and make a down payment. Get a copy of your credit score at www.creditscore.com
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