The first and foremost thing that can affect the speed of availing a home mortgage loan is the credit score of a person. It is a number that helps the mortgage loan providers to understand the likelihood of your being able to return the amount of loan you are availing today. They will try and look at your payment, your spending patterns, your credit history, and will determine a particular number for you ranging from about 300 to about 850. The higher this number would be, the higher your chances of availing this home mortgage loan would be. The higher scores would persuade loan providers to have faith in you and will allow them to lend you the amount in a fast manner. In many cases, it has been seen that higher the credit score you have, the lower would be your interest rates. Anything above 600 would determine the same for you.