Duane Buziak Explains the Credit Score Needed for Top-Tier Mortgage Rates in 2026
Duane Buziak, NMLS #1110647, breaks down the credit score needed for best mortgage rates, showing that top-tier conventional pricing generally starts around 740 to 760 and that a half-point rate gap on a $400,000 loan costs roughly $7,976 over five years. The guide also compares FHA, VA, and conventional score thresholds, explains the other factors that move your rate, and shows how to improve your score and compare offers without hurting it.