Credit Score

I have tried to take a page from Dave's book and not let a credit score define me.  However, as much I wish I could, it isn't always that simple.  As we prepare to get our house started, we are NOT where dave would want us to be.  However, we are doing our plan to see whats going on.  So with this, we do need a credit score.  It does drive me alittle nutty.  A credit score is "how good you are at borrowing money and paying it back"
Right now we still have 2 more loans.  A credit card and a student loan.  We had our credit run to go thought what our best options for our house loan are.  (I hope to post the differences in a few weeks about FHA vs Conv.)  My hubby was alittle disappointed his credit score was lower then mine and alittle lower then we want for our loan.  So, now we have a goal.  Once we put our 5% down to start building our house, it is our goal to get our credit score alittle better.  The reason for the lower score is we dont have alot of open lines of credit (which I feel is AMAING) however, that is not how the FICO sees it.
We are working to pay back half of our cc so our score will go up.  And in a perfect world.. since I really wish we lived in one.  We are working to get our credit card PAID OFF before we close on our house.  I know this is alittle wishful thinking, but if we can make this happy we will be debt free minus the student loan, and with the extra money from the car loan, and the CC. we could be DEBT FREE before we know it!!
Also since Liam won't be in school this summer we get to save an extra bit of money (forget about daycare.. ;) RIGHT? lol)

Intrest rate?? WhAT?

I have been looking once again, into what loan we will be using for our new home.

YES we all know the BEST option is the 100% down.. however for me.  Not gonna happen

I have been trying to figure out the differance btween APR and Intrest rate for a while... and I haev found an answer.

Thanks to Bank Of America!
If you need this hope it helps! 

When shopping for a Glossary Term:mortgage Information Panel or thinking about refinancing your mortgage, keep in mind that an advertised Glossary Term:interest rate Information Panel isn’t the same as your loan’s Glossary Term:annual percentage rate Information Panel (APR). What’s the difference?

• The interest rate refers to the cost of borrowing money and is expressed as a percentage.
• The APR, also expressed as a percentage, reflects the effective cost of your loan on a yearly basis. It takes into account fees and costs such as Glossary Term:interest Information Panel, mortgage Glossary Term:insurance Information Panel, mostGlossary Term:closing costs Information Panel, Glossary Term:discount points Information Panel and Glossary Term:origination fees Information Panel. APR is an estimate and may change if there are any changes in loan amount, Glossary Term:loan term Information Panel or other criteria. Your Glossary Term:monthly payment Information Panel is not based on APR, it's based on the interest rate on your Glossary Term:promissory note Information Panel.

Why the difference? The APR is intended to give you more information about what you’re really getting. By making Glossary Term:lender Information Panel fees part of the equation, you can better see the true cost of a loan and make a fair comparison.

Keep in mind that the APR is for comparison between lenders only. The interest rate quoted is the actual interest rate you would pay on the loan.

So evaluate carefully when you look at the Glossary Term:rates Information Panel lenders offer you. Compare one loan’s APR against another loan’s APR to get a fair comparison of total cost—and be sure to compare actual interest rates, too.