Moving up a score tier or two can save you thousands, sometimes tens of thousands, of dollars over the life of a mortgage. Here's your estimate.
Rate tiers are myFICO national averages for a 30-year fixed mortgage by FICO score tier (myFICO Loan Savings Calculator, May 2026). myFICO lists no rate below 620, so lower scores use the 620–639 rate, and your real rate may be higher. 15-year results subtract 0.60 points as a rough estimate. Real rates vary by lender, down payment, DTI, property type, and market conditions. Use this as directional — shop 3+ lenders for real quotes.