Understanding your credit score is crucial when buying a home. Lenders consider it for loan qualification and determining mortgage rates. A higher score leads to lower rates and better terms. While 765 is the median score for mortgage applicants, aiming for the “Good” range (670-739) or even the “Very Good” range (740-799) improves your chances. Work with a trusted lender for personalized insights, as each has its own lending strategy. Focus on payment history, debt utilization, and avoiding new credit applications to boost your score. Prioritizing your credit score can enhance affordability and secure a better mortgage rate.