When it comes to buying a home, few factors carry as much weight as your credit score. Lenders use this three-digit number to assess risk, and it directly influences the interest rate you’ll pay on your mortgage. Understanding the impact of credit score tiers on your mortgage rate can help you save thousands of dollars over the life of your loan. This article will break down how credit score tiers work, why they matter, and what you can do to improve your standing before applying for a mortgage.