FICO Credit Score and Loan to Value LTV Interest Rate Adjustment

I pulled this table from page 4 of "The New Rules for Mortgages" by Dale Robyn Siegel which shows how much your interest rate will be adjusted depending on your FICO credit score and the loan to value (LTV) of your loan. This has little to no affect for people with FICO scores over 740 (it may reduce your rate if you are lucky), but can increase your rate substantially for people with scores from 620 to 740. Folks under 620 are just plain out of luck. No loan for you!





Appraised Home Value $
Down Payment Amount $
Your FICO Credit Score
Unadjusted Interest Rate %
Term of Loan years
 
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