How will our rates be impacted?My wife and I are looking to purchase our first home in the next 6-12 months. We recently pulled our credit - my FICO score is a 773. Hers is 729 - largely due to a few late payments and a medical collections account (for a whopping $20) - both in 2007. Our hope is to avoid FHA and put at least 5-10% down on a conventional loan. When applying for a mortgage - how will our rates be determined between our credit? September 12 2012 - US00YesReport a ProblemProblemSelect oneOffensive contentIrrelevant contentSpam (pure self-promotion)OtherDetailsYour emailPlease enter a valid email address.Submit CancelContent flaggedWe will review this content. Thanks for helping make the site more useful to everyone. To learn more, read Zillow's Good Neighbor Policy.We're sorry. This service is temporarily unavailable. Please come back later and try again.