Real Estate

Here’s how to boost your credit score and get a low mortgage rate


People wait to visit a house for sale in Garden City, Nassau County, New York, on Sept. 6, 2020.

Xinhua News Agency | Getty Images

Mortgage interest rates are near historic lows. Yet if you want to take advantage of those rates, check your credit score first.

That three-digit number determines whether you can get a mortgage, the type of loan you’ll get, what you’ll pay in interest and potentially how much money you need for a down payment. In this hot housing market, that could make difference in your success, experts say.

The benchmark 30-year fixed mortgage rate is currently 3.090%, according to Bankrate.

“You are locking that rate in for potentially 30 years, so you are saving an…


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