Your credit score definitely matters when it comes time to get your mortgage. The higher the score, the better the rate you are likely to receive from your lender. Most mortgage lenders use your FICO score, and most have systems for associating your score with your elibible rate range. Some even have minimum scores below which they will not lend. Part of the homebuying process is learning your FICO score and no matter how high you think it is, you should still examine every way of improving the score. The savings you can see in your mortgage by raising your score can save you literally thousands of dollars in annual interest.