--- title: Learning Center | Credit Score description: "Credit Score | CapCenter offers a number of products designed to help all borrowers get the home they want.\n\nWe are here to help you find the right product, but if you're curious, we've set up a whole learning section to get you familiar with the mortgage, realty and insurance space." image: https://blog.capcenter.com/hubfs/Logo.png --- [Skip to the main content.](https://blog.capcenter.com/learning-center/tag/credit-score#main-content) [![CapCenter Logo](https://blog.capcenter.com/hubfs/Imported%20sitepage%20images/63bc48313019ad7f17efeae8_capcenter_logo.svg "CapCenter Logo")](https://www.capcenter.com/) [![CapCenter Logo](https://blog.capcenter.com/hubfs/Imported%20sitepage%20images/63bc48313019ad7f17efeae8_capcenter_logo.svg "CapCenter Logo")](https://www.capcenter.com/) - Mortgage - Purchase Mortgages - [Mortgage Calculator](https://www.capcenter.com/quote-details/purchase) - [Mortgage Rates](https://www.capcenter.com/mortgage-rates/) - 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[Purchase Mortgages](https://www.capcenter.com/buy-a-home) - [Refinance Mortgages](https://www.capcenter.com/refinance) - Getting Started - [Get Preapproved](https://www.capcenter.com/apply-now/) - [Refinance Today](https://www.capcenter.com/apply-now/) - Realty - Purchase Services - [Home Search](https://www.capcenter.com/homes/location/geo/37.6590,-77.6970,37.4320,-77.2560,12) - [Home Valuation](https://www.capcenter.com/home-sale-estimate/valuation#valuation) - Listing Services - [Recently Sold Homes](https://www.capcenter.com/homes/location/geo/37.6128,-77.6064,37.4691,-77.3365,12/filters/propertyType=RecentlySold) - [Home Sale Calculator](https://www.capcenter.com/home-sale-estimate/valuation#quote) - Realty Services - [Realty Purchase Services](https://www.capcenter.com/sell-a-home) - [Realty Listing Services](https://www.capcenter.com/sell-a-home) - Getting Started - [Buying Consultation](https://www.capcenter.com/forms/request-buyers-agent) - [Listing Consultation](https://www.capcenter.com/forms/request-listing-agent) - Insurance - Property & Casualty - [Homeowners Insurance](https://www.capcenter.com/learning/insurance/homeowners-insurance) - [Auto Insurance](https://www.capcenter.com/learning/insurance/car-insurance) - Life Insurance - [Term Life Insurance](https://www.capcenter.com/learning/insurance/life-insurance) - Getting Started - [Get An Insurance Quote](https://www.capcenter.com/insurance-quote/savings) - [Access Insurance Portal](https://login.apps.vertafore.com/idp/prp.wsf?wa=wsignin1.0&wtrealm=https%3a%2f%2fclientportal.vertafore.com%2f&wctx=rm%3d0%26id%3dpassive%26ru%3d%2fInsured%2fapp%2f%3fredirectLocation%3d3206701-1&application=clientportal&authType=endinsured&agency=eyJhZ2VuY3kiOiIzMjA2NzAxLTEiLCJiYWNrZ3JvdW5kQ29sb3IiOiIjZmVmZWZlIiwiZm9udENvbG9yIjoiIzIxMzAzNSIsImxvZ28iOiJodHRwczovL2NsaWVudHBvcnRhbC52ZXJ0YWZvcmUuY29tL2FwaS8xNy4xL1RlbXBsYXRlcygxMDA3MjApL0FnZW5jeUxvZ28ifQ%3d%3d&agencyId=3206701-1) - Learning - Mortgage Programs - [Conventional Mortgages](https://www.capcenter.com/learning/mortgages/conventional-mortgages) - [FHA Mortgage Programs](https://blog.capcenter.com/learning-center/fha-loan-programs) - [VA Mortgage Programs](https://blog.capcenter.com/learning-center/va-loan-programs) - Common Questions - [What is wrong with APR?](https://blog.capcenter.com/learning-center/what-is-wrong-with-apr) - [Who pays closing costs?](https://blog.capcenter.com/learning-center/who-pays-closing-costs) - [How long does a preapproval last?](https://blog.capcenter.com/learning-center/how-long-does-a-preapproval-last) - Common Questions - [Frequently Asked Questions](https://blog.capcenter.com/knowledge) - [Learning Center Articles](https://blog.capcenter.com/learning-center) - [Glossary](https://www.capcenter.com/content/more/glossary) - Guides - [Home Buying Guide](https://www.capcenter.com/guides/home-buyers-guide) - [Home Refinancing Guide](https://www.capcenter.com/guides/refinance-guide) - [Home Selling Guide](https://www.capcenter.com/guides/home-sellers-guide) - [Company](https://www.capcenter.com/content/more/about_us) - [Contact](https://www.capcenter.com/contact/) - [Sign in](https://www.capcenter.com/sign-in/) ##### **Purchase Mortgages** - [Mortgage Calculator](https://www.capcenter.com/quote-details/purchase) - [Mortgage Rates](https://www.capcenter.com/mortgage-rates/) ##### **Refinance Mortgages** - [Refinance Calculator](https://www.capcenter.com/quote-details/refinance) - [Refinance Rates](https://www.capcenter.com/mortgage-rates/) ##### **Mortgage Services** - [Purchase Mortgages](https://www.capcenter.com/buy-a-home) - [Refinance Mortgages](https://www.capcenter.com/refinance) ##### **Getting Started** - [Get Pre-Approved](https://www.capcenter.com/apply-now/) - [Refinance Today](https://www.capcenter.com/apply-now/) ##### **Purchase Services** - [Recently Listed Homes](https://www.capcenter.com/homes/location/geo/37.6590,-77.6970,37.4320,-77.2560,12) - [Home Valuation](https://www.capcenter.com/home-sale-estimate/valuation#valuation) ##### **Listing Services** - [Recently Sold Homes](https://www.capcenter.com/homes/location/geo/37.6128,-77.6067,37.4691,-77.3368,12/filters/propertyType=RecentlySold) - [Home Sale Calculator](https://www.capcenter.com/home-sale-estimate/valuation#quote) ##### **Realty Services** - [Realty Listing Services](https://www.capcenter.com/sell-a-home) - [Realty Purchase Services](https://www.capcenter.com/best-realtor-buy-home) ##### **Getting Started** - [Buying Consultation](https://www.capcenter.com/forms/request-buyers-agent) - [Listing Consultation](https://www.capcenter.com/forms/request-listing-agent) ##### **Property & Casualty** - [Homeowners](https://www.capcenter.com/learning/insurance/homeowners-insurance) - [Automobile](https://www.capcenter.com/learning/insurance/car-insurance) ##### **Life Insurance** - [Term Life](https://www.capcenter.com/learning/insurance/life-insurance) ##### **Getting Started** - [Get An Insurance Quote](https://www.capcenter.com/insurance-quote/savings) - [Access Insurance Portal](https://login.apps.vertafore.com/idp/prp.wsf?wa=wsignin1.0&wtrealm=https%3a%2f%2fclientportal.vertafore.com%2f&wctx=rm%3d0%26id%3dpassive%26ru%3d%2fInsured%2fapp%2f%3fredirectLocation%3d3206701-1&application=clientportal&authType=endinsured&agency=eyJhZ2VuY3kiOiIzMjA2NzAxLTEiLCJiYWNrZ3JvdW5kQ29sb3IiOiIjZmVmZWZlIiwiZm9udENvbG9yIjoiIzIxMzAzNSIsImxvZ28iOiJodHRwczovL2NsaWVudHBvcnRhbC52ZXJ0YWZvcmUuY29tL2FwaS8xNy4xL1RlbXBsYXRlcygxMDA3MjApL0FnZW5jeUxvZ28ifQ%3d%3d&agencyId=3206701-1) ##### **Mortgage Programs** - [Conventional Mortgages](https://blog.capcenter.com/learning-center/conventional-mortgage-programs) - [FHA Mortgage Programs](https://blog.capcenter.com/learning-center/fha-loan-programs) - [VA Mortgage Programs](https://blog.capcenter.com/learning-center/va-loan-programs) ##### **Common Questions** - [What is wrong with APR?](https://blog.capcenter.com/learning-center/what-is-wrong-with-apr) - [Who pays closing costs?](https://blog.capcenter.com/learning-center/who-pays-closing-costs) - [How long does a pre-approval last?](https://blog.capcenter.com/learning-center/how-long-does-a-preapproval-last) ##### **Resource Center** - [Frequently Asked Questions](https://blog.capcenter.com/knowledge) - [Learning Center Articles](https://blog.capcenter.com/learning-center) - [Glossary](https://www.capcenter.com/content/more/glossary) ##### **Guides** - [Home Buying Guide](https://www.capcenter.com/guides/home-buyers-guide) - [Home Refinancing Guide](https://www.capcenter.com/guides/refinance-guide) - [Home Selling Guide](https://www.capcenter.com/guides/home-sellers-guide) ##### Column Headline - Testing 1 - Sub Nav 1 - Sub Nav 2 - Testing 2 - Testing 3 ##### Column Headline - Testing 1 - Sub Nav 1 - Sub Nav 2 - Testing 2 - Testing 3 ##### Column Headline - Testing 1 - Sub Nav 1 - Sub Nav 2 - Testing 2 - Testing 3 ##### Column Headline - Testing 1 - Sub Nav 1 - Sub Nav 2 - Testing 2 - Testing 3 # Learning Center   --- **Shed the confusion with our featured Mortgage, Real Estate and Insurance articles** CapCenter offers a number of products designed to help all borrowers get the home they want. We are here to help you find the right product, but if you're curious, we've set up a whole learning section to get you familiar with the mortgage, realty and insurance space. ![LEARN](https://blog.capcenter.com/hubfs/LEARN.png "LEARN") ![Happy Family Looking At A Computer On A Couch](https://blog.capcenter.com/hubfs/test-image.jpg "Happy Family Looking At A Computer On A Couch") ### Credit Score [![What are escrow accounts?](https://blog.capcenter.com/hs-fs/hubfs/Escrows.jpeg?width=2847&height=1922&name=Escrows.jpeg)](https://blog.capcenter.com/learning-center/understanding-escrow-accounts) 2 min read #### [Understanding Escrow Accounts](https://blog.capcenter.com/learning-center/understanding-escrow-accounts) [Tyler Todd](https://blog.capcenter.com/learning-center/author/tyler-todd): Jun 5, 2023 2:35:13 PM [Mortgages](https://blog.capcenter.com/learning-center/tag/mortgages) [First-Time Homebuyer](https://blog.capcenter.com/learning-center/tag/first-time-homebuyer) [Credit Score](https://blog.capcenter.com/learning-center/tag/credit-score) [How To Shop](https://blog.capcenter.com/learning-center/tag/how-to-shop) [Read More](https://blog.capcenter.com/learning-center/understanding-escrow-accounts) [![family standing in font of new home](https://blog.capcenter.com/hs-fs/hubfs/shutterstock_670227178%20(1).jpg?width=7360&height=4912&name=shutterstock_670227178%20(1).jpg)](https://blog.capcenter.com/learning-center/ways-to-improve-your-credit-score) 3 min read #### [Ways to Improve your Credit Score](https://blog.capcenter.com/learning-center/ways-to-improve-your-credit-score) [Tyler Todd](https://blog.capcenter.com/learning-center/author/tyler-todd): Jun 2, 2023 1:35:22 PM [Mortgages](https://blog.capcenter.com/learning-center/tag/mortgages) [First-Time Homebuyer](https://blog.capcenter.com/learning-center/tag/first-time-homebuyer) [Credit Score](https://blog.capcenter.com/learning-center/tag/credit-score) [How To Shop](https://blog.capcenter.com/learning-center/tag/how-to-shop) [Read More](https://blog.capcenter.com/learning-center/ways-to-improve-your-credit-score) [![](https://blog.capcenter.com/hs-fs/hubfs/HardvsSoft.png?width=1748&height=915&name=HardvsSoft.png)](https://blog.capcenter.com/learning-center/hard-vs.-soft-credit-checks) 3 min read #### [Hard vs. Soft Credit Checks](https://blog.capcenter.com/learning-center/hard-vs.-soft-credit-checks) ![Picture of Dick Jeffress](https://blog.capcenter.com/hs-fs/hubfs/dick.png?width=30&name=dick.png) [Dick Jeffress](https://blog.capcenter.com/learning-center/author/dick-jeffress): Apr 17, 2023 10:09:18 AM [Mortgage](https://blog.capcenter.com/learning-center/tag/mortgage) [First-Time Homebuyer](https://blog.capcenter.com/learning-center/tag/first-time-homebuyer) [Credit Score](https://blog.capcenter.com/learning-center/tag/credit-score) [How To Shop](https://blog.capcenter.com/learning-center/tag/how-to-shop) [Read More](https://blog.capcenter.com/learning-center/hard-vs.-soft-credit-checks) [![Happy family running into a home purchased with a conventional mortgage](https://blog.capcenter.com/hs-fs/hubfs/Imported%20sitepage%20images/63b6f6e2fb6825d9e088e9e9_Conventional%20Mortgage%20Types-p-500.jpg?width=500&height=334&name=63b6f6e2fb6825d9e088e9e9_Conventional%20Mortgage%20Types-p-500.jpg)](https://blog.capcenter.com/learning-center/conventional-mortgage-programs) 5 min read #### [Conventional Mortgage Programs](https://blog.capcenter.com/learning-center/conventional-mortgage-programs) ![Picture of Dick Jeffress](https://blog.capcenter.com/hs-fs/hubfs/dick.png?width=30&name=dick.png) [Dick Jeffress](https://blog.capcenter.com/learning-center/author/dick-jeffress): Apr 12, 2023 11:17:26 AM [Mortgages](https://blog.capcenter.com/learning-center/tag/mortgages) [First-Time Homebuyer](https://blog.capcenter.com/learning-center/tag/first-time-homebuyer) [Credit Score](https://blog.capcenter.com/learning-center/tag/credit-score) [Read More](https://blog.capcenter.com/learning-center/conventional-mortgage-programs) [![Happy couple drinking coffee talking about VA loan programs for buying their dream home](https://blog.capcenter.com/hs-fs/hubfs/Imported%20sitepage%20images/63bc33e79cd5cd17d4e90e0c_FHA%20and%20VA%20Loans-p-800-1.jpg?width=800&height=512&name=63bc33e79cd5cd17d4e90e0c_FHA%20and%20VA%20Loans-p-800-1.jpg)](https://blog.capcenter.com/learning-center/va-loan-programs) 3 min read #### [VA Loan Programs](https://blog.capcenter.com/learning-center/va-loan-programs) ![Picture of Dick Jeffress](https://blog.capcenter.com/hs-fs/hubfs/dick.png?width=30&name=dick.png) [Dick Jeffress](https://blog.capcenter.com/learning-center/author/dick-jeffress): Apr 12, 2023 9:57:28 AM [Mortgages](https://blog.capcenter.com/learning-center/tag/mortgages) [First-Time Homebuyer](https://blog.capcenter.com/learning-center/tag/first-time-homebuyer) [Credit Score](https://blog.capcenter.com/learning-center/tag/credit-score) [Read More](https://blog.capcenter.com/learning-center/va-loan-programs) [![Happy couple drinking coffee talking about fha loan programs for buying their dream home](https://blog.capcenter.com/hs-fs/hubfs/Imported%20sitepage%20images/63bc33e79cd5cd17d4e90e0c_FHA%20and%20VA%20Loans-p-800-1.jpg?width=800&height=512&name=63bc33e79cd5cd17d4e90e0c_FHA%20and%20VA%20Loans-p-800-1.jpg)](https://blog.capcenter.com/learning-center/fha-loan-programs) 2 min read #### [FHA Loan Programs](https://blog.capcenter.com/learning-center/fha-loan-programs) ![Picture of Dick Jeffress](https://blog.capcenter.com/hs-fs/hubfs/dick.png?width=30&name=dick.png) [Dick Jeffress](https://blog.capcenter.com/learning-center/author/dick-jeffress): Apr 12, 2023 9:48:20 AM [Mortgages](https://blog.capcenter.com/learning-center/tag/mortgages) [First-Time Homebuyer](https://blog.capcenter.com/learning-center/tag/first-time-homebuyer) [Credit Score](https://blog.capcenter.com/learning-center/tag/credit-score) [Read More](https://blog.capcenter.com/learning-center/fha-loan-programs) [![hands sorting through folder of documents](https://blog.capcenter.com/hs-fs/hubfs/shutterstock_1918059161.jpg?width=5892&height=3916&name=shutterstock_1918059161.jpg)](https://blog.capcenter.com/learning-center/documents-needed-for-mortgage-loan) 1 min read #### [Documents you'll need for a mortgage loan](https://blog.capcenter.com/learning-center/documents-needed-for-mortgage-loan) ![Picture of Dick Jeffress](https://blog.capcenter.com/hs-fs/hubfs/dick.png?width=30&name=dick.png) [Dick Jeffress](https://blog.capcenter.com/learning-center/author/dick-jeffress): Apr 10, 2023 4:59:35 PM [Mortgages](https://blog.capcenter.com/learning-center/tag/mortgages) [First-Time Homebuyer](https://blog.capcenter.com/learning-center/tag/first-time-homebuyer) [Credit Score](https://blog.capcenter.com/learning-center/tag/credit-score) [Read More](https://blog.capcenter.com/learning-center/documents-needed-for-mortgage-loan) [![Woman Reading A Credit Report Received From A Mortgage Lender](https://blog.capcenter.com/hs-fs/hubfs/Imported%20sitepage%20images/63e3f897ad1872cd5a8ea835_What%20credit%20score%20do%20i%20need-p-1600.jpg?width=1600&height=1067&name=63e3f897ad1872cd5a8ea835_What%20credit%20score%20do%20i%20need-p-1600.jpg)](https://blog.capcenter.com/learning-center/what-credit-score-do-i-need) 4 min read #### [What Credit Score Do I Need?](https://blog.capcenter.com/learning-center/what-credit-score-do-i-need) ![Picture of Dick Jeffress](https://blog.capcenter.com/hs-fs/hubfs/dick.png?width=30&name=dick.png) [Dick Jeffress](https://blog.capcenter.com/learning-center/author/dick-jeffress): Mar 30, 2023 5:14:41 PM [Mortgages](https://blog.capcenter.com/learning-center/tag/mortgages) [First-Time Homebuyer](https://blog.capcenter.com/learning-center/tag/first-time-homebuyer) [Credit Score](https://blog.capcenter.com/learning-center/tag/credit-score) [Read More](https://blog.capcenter.com/learning-center/what-credit-score-do-i-need) #### **Take The First Step Today** #### Get Pre-approved For A Zero Closing Cost Loan Competitive Interest Rate Mortgages With Traditional Closing Costs Covered [Apply Now](https://www.capcenter.com/apply-now/) ![Woman smiling and thinking at a laptop](https://blog.capcenter.com/hubfs/Imported%20sitepage%20images/63c9717794ae137bdc0a155d_1-0%20Rate%20Buy%20Down-p-1080.jpg) #### Speak With An Expert Real Estate Agent Today Work With A Top Local Real Estate Agent To Buy Or Sell Your Next Home [Request Consultation](https://www.capcenter.com/forms/request-buyers-agent) ![Happy Family Running Into a New Home](https://blog.capcenter.com/hubfs/Imported%20sitepage%20images/home-buyer-guide-hero-img.51dac7c3a4e307904c30.jpg) ##### Mortgage Mortgage - [Mortgage Rates](https://www.capcenter.com/mortgage-rates/virginia/richmond/purchase/conventional) - [Mortgage Programs](https://www.capcenter.com/mortgage-programs) - [Mortgage Calculator](https://www.capcenter.com/mortgage-calculator/purchase/conventional) ##### Realty Realty - [Buy a Home](https://www.capcenterrealty.com/best-realtor-agency-buy-home) - [Sell a Home](https://www.capcenter.com/refinance) - [Home Value Estimate](https://www.capcenter.com/quote-details/purchase) ##### Get Started Get Started - [Apply Now](https://www.capcenter.com/central/client/apply) - [Search Homes](https://www.capcenterhomes.com/homes/) - [Contact Us](https://www.capcenter.com/contact/) [![CapCenter Orange White MEDIUM](https://blog.capcenter.com/hubfs/CapCenter%20Orange%20White%20MEDIUM.png)](https://www.capcenter.com/) - [Terms of Use](https://www.capcenter.com/legal/terms-of-use) - [Privacy Policy](https://www.capcenter.com/legal/privacy) - [Product Offer 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CapCenter is your local provider of mortgage & realty services. Zero Closing Costs, Zero Hassles. Licensed in VA, DC, MD, NC, SC, GA, FL, PA, and OH. CapCenter is a top-rated real estate services provider and zero closing costs mortgage lender headquartered in Glen Allen, Virginia near Richmond, Virginia. Capital Center, L.L.C. Licensed mortgage lender in Virginia, North Carolina, South Carolina, Maryland, Georgia, Florida, Ohio, Pennsylvania, and the District of Columbia NMLS ID#67717 (www.nmlsconsumeraccess.org) and a licensed real estate broker in Virginia, North Carolina, South Carolina, Maryland, and the District of Columbia. Our primary office is located in Glen Allen, Virginia near Richmond, Virginia.   Copyright  ©2026 Capital Center, L.L.C. dba CapCenter    ![Realtor | EHO](https://blog.capcenter.com/hs-fs/hubfs/Disclosure%20Logos.png?width=72&height=35&name=Disclosure%20Logos.png)