Your credit score could cost — or save — you tens of thousands of dollars on your mortgage. A new study by A&D Mortgage analyzed all 50 states to find out how long it takes to reach a 760 FICO score and exactly how much interest borrowers save when they get there. The gap ranges from $9,547 in West Virginia to $46,206 in Hawaii. Find out where your state lands.

The Federal Reserve meets on June 17, and this meeting is especially significant. The Fed has a new chairman, and the market is watching closely for any shift in interest rate policy.

Two scenarios are on the table:

• If the Fed signals rate cuts: Mortgage rates could ease, giving buyers a window of opportunity.

• If the Fed holds or hints at hikes: Rates could climb further, raising monthly payments for new borrowers.

Normally, a buydown is paid for by the seller, builder, or borrower as a lump sum at closing. With this exclusive program through the nation's largest wholesale lender, the cost of the buydown is covered for you. No extra fees. No points. No tricks.