You’ve found your dream house. The neighborhood is perfect. The schools are great. The kitchen has everything you want. You’ve negotiated a good price. You’ve signed reams of paperwork. And you open an escrow account. Then your mortgage broker calls. Remember the great interest rate she quoted you last week? You don’t qualify for it. She says there are some problems with your FICO score. Your interest rate is going to be higher by almost four percentage points.