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Wednesday, September 30, 2026
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HomeHipotecas¿Qué puntaje de crédito usan los prestamistas hipotecarios? |

¿Qué puntaje de crédito usan los prestamistas hipotecarios? |

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Momo Productions/Getty Images; Ilustración de Austin Courrege/Bankrate

Control de espita

  • Los prestamistas hipotecarios generalmente evalúan la solvencia de un prestatario utilizando las puntuaciones FICO 2, 4 y 5.

  • Estos puntajes son los utilizados por Experian, Equifax y TransUnion, las tres oficinas de crédito principales.

  • Si proporcionadamente se han introducido versiones más nuevas del puntaje FICO, la industria hipotecaria depende en gran medida de estas versiones anteriores adecuado a la regulación.

¿Qué puntaje de crédito usan los prestamistas hipotecarios?

Fannie Mae y Freddie Mac usan puntajes FICO para determinar la elegibilidad del prestatario para préstamos conformes, lo que constituye la mayoría de las hipotecas. Los prestamistas hipotecarios han utilizado tradicionalmente tres puntajes FICO diferentes para determinar su puntaje de crédito. Ellos son:

  • Puntuación FICO 2 (Experian)
  • Puntuación FICO 4 (Equifax)
  • Puntuación FICO 5 (TransUnion)

Los prestamistas generalmente obtienen un referencia combinado de estos puntajes, conocido como un referencia Tri-Merge, que incluye detalles de los tres informes. Los prestamistas luego usan el puntaje que aterriza en el medio para tomar sus decisiones de préstamo.

Pequeñas diferencias entre las versiones de FICO

Las versiones de puntaje FICO 2, 4 y 5 son iteraciones diferentes de una fórmula similar. Desde que se introdujo, estos diferentes modelos de puntuación han sido actualizados por sus respectivas compañías de informes de crédito (Experian, Equifax y TransUnion). Si proporcionadamente solían tener muchas diferencias adecuado a la regionalidad, ahora se han vuelto más intercambiables, según Ted Rossman, analista de la industria senior de Bankrate.

Si proporcionadamente se han introducido versiones más nuevas del puntaje FICO, la industria hipotecaria depende en gran medida de estas versiones anteriores adecuado a la regulación.

Comparar: Tasas hipotecarias a 30 primaveras hoy

¿Qué factores afectan su puntaje FICO?

Cada maniquí de puntaje FICO sigue una fórmula similar para aparecer a su puntaje. Estos son los diferentes factores y cómo componen su puntaje:

  • Historial de plazo (35 por ciento): La dormitorio más holgado de su puntaje de crédito es cómo ha administrado sus pagos de deuda. Una larga historia de pagos confiables y a tiempo dará como resultado un puntaje mucho más stop. Si tiene pagos atrasados, delincuencia o una ejecución hipotecaria en su referencia, su puntaje sufrirá.

  • Monto adeudado (30 por ciento): El monto de la deuda que tiene en relación con el monto total de crédito apto se conoce como relación de utilización de crédito. Cuanto anciano sea el porcentaje de deuda que tiene, beocio puntaje de crédito.

  • Duración del historial crediticio (15 por ciento): La antigüedad de sus cuentas abiertas y cerradas tiene en cuenta su puntaje, con cuentas más antiguas son positivas.

  • Mezcla de crédito (10 por ciento): La composición de sus tipos de deuda y crédito todavía tiene un impacto en su puntaje. En normal, la variedad es mejor, con prestamistas que miran líneas de crédito, así como préstamos a plazos, como préstamos para automóviles, préstamos estudiantiles e hipotecas.

  • Nuevo crédito (10 por ciento): Si los prestamistas ven que ha solicitado múltiples líneas de crédito en un corto período de tiempo, su puntaje se hundirá. Sin incautación, esto no se aplica si está comprando para un préstamo como una hipoteca o préstamo para automóviles. Mientras tú Aplicar a múltiples prestamistas Adentro de un período de 45 días, sus solicitudes se agruparán como una consulta.

¿Todos los prestamistas hipotecarios evalúan el mismo puntaje?

Para préstamos conformes, los prestamistas hipotecarios evalúan los mismos puntajes de FICO. Las empresas patrocinadas por el gobierno (GSE), Fannie Mae y Freddie Mac, requieren que todos los prestamistas que les vendan hipotecas usen los mismos modelos FICO.

Los prestamistas toman estos tres puntajes y usan el número que cae en el medio para hacer determinaciones de crédito. Si dos de los tres puntajes son los mismos, el puntaje de correspondencia es el utilizado.

Ejemplo

Digamos que ha solicitado una hipoteca y el prestamista ejecuta una propensión de crédito duro y obtiene un referencia de Tri-Merge. En este referencia, encuentran que sus puntajes son:

  • Puntuación FICO 2 (Experian): 679
  • Puntuación FICO 4 (Equifax): 683
  • Puntuación FICO 5 (TransUnion): 694

De estos, 683 es ​​la puntuación que usarían para determinar su elegibilidad, así como para calcular su tasa de interés.

La puntuación crediticia podría estar cambiando

El FICO Score 10T originalmente estaba programado para convertirse en el en serie para conformar préstamos a finales de 2025. Esta lectura se creó para mejorar aún más la predicción del peligro de crédito haciendo cosas como analizar la deuda médica de otras deudas e intentar evaluar mejor a los consumidores con un historial crediticio más bajo. Sin incautación, adecuado a cambios recientes en Fannie Mae y Freddie Mac, la acogida de esta lectura para los prestamistas hipotecarios se ha puesto en calma indefinida.

¿Qué puntaje de crédito necesita para obtener una hipoteca?

  • Préstamos convencionales: Insignificante de 620
  • Préstamos de la FHA: Insignificante de 500 con 10 por ciento inactividad; 580 con menos del 10 por ciento inactiva
  • Préstamos de VA: La mayoría de los prestamistas requieren un puntaje imperceptible de 620, aunque algunos pueden tomar menos
  • Préstamos del USDA: La mayoría de los prestamistas requieren un puntaje imperceptible de 640, aunque algunos pueden tomar menos
  • Préstamos jumbo: Por lo normal, al menos 700, aunque algunos prestamistas pueden tomar tan bajo como 680

Aprenda más: ¿Qué puntaje de crédito necesitas para comprar una casa?

Siguientes pasos: Cómo mejorar su puntaje de crédito para obtener una hipoteca

Ayer de solicitar una hipoteca, asegúrese de comprobar sus informes de crédito y puntajes de cualquier error, como pagos atrasados ​​incorrectos o cuentas cerradas. Si hay un error, comuníquese con la oficina para disputarla y corregirla. Asaltar errores como estos puede mejorar enormemente su puntaje de crédito.

Además querrá cerciorarse de que esté practicando una buena higiene financiera pagando todas sus facturas a tiempo y reduciendo cualquier saldo de polímero de crédito que pueda tener. Muchos prestamistas todavía requieren alguna forma de reservas de efectivo, generalmente unos pocos meses de pagos, así que asegúrese de tener poco de plata escondido para dar cuenta de esto.

Finalmente, evite desobstruir nuevas cuentas o aceptar grandes formas de deuda antiguamente de obtener una hipoteca. Solicitar una nueva polímero de crédito o sacar un préstamo de automóvil, por ejemplo, puede afectar su puntaje de crédito.

Aprenda más: Los mejores prestamistas hipotecarios por mal crédito en 2025

See also  Las tasas hipotecarias vuelven a caer, estableciendo un nuevo mínimo de 3 años

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