Mortgage rates have remained stubbornly high over the last few years. Still, you can lower the mortgage rate a lender offers you by as much as almost three-fourths of a percentage point by increasing your credit score. In the best-case scenario, that could save you more than $55,000 in interest over the life of a $300,000 home loan and reduce your monthly payment by $155. (Based on the interest rate difference from the lowest to the highest credit tier on a loan with 20% down and one discount point, which ...