Does income determine my interest rate or will credit score be the main factor?

Income is only a factor in how much you can afford. Credit score helps determine your interest rate, but interest rates are not set as far as availability. Give me a call to discuss. You should understand the differences, and it's my job to communicate those to you. I'm free right now - 317-215-6687 - and would love to hear from you.Joel

Your credit score (middle of the 3) will have the biggest impact on your interest rate. Although, your income could dictate the type of program for example if you debt to income ration is above 45% than you would likely have to defer to an FHA loan because Conventional and even USDA/RD loan types have a max DTI of 45% whereas FHA & VA are much more likely to accept a DTI higher than 45%.