Order your FICO scores from the three national credit bureaus, as they will all vary slightly. This isn't free: For example, TransUnion charges $14.95 for a FICO score. If your FICO scores are low, under 620, you may struggle to qualify for a mortgage loan with most traditional lenders. If they are at 720 or above, you'll generally qualify for the lowest interest rates. You can order your FICO score through each bureau's website.
Call a mortgage lender--you can shop around at as many as you'd like--and explain that you are interested in purchasing a home, but that your FICO score is low. Explain that you'd like to compare your FICO score with your VantageScore. You'll need your lender to order this score on your behalf; consumers are not able to purchase their VantageScore from the three bureaus.
Compare your VantageScore and FICO score to determine which is higher. If your VantageScore is higher than your FICO--it relies on a different method to determine the creditworthiness of borrowers--than you should ask your lender if its underwriters would consider relying on the VantageScore instead of the more traditional FICO score when determining whether your credit is good enough to qualify for a mortgage loan and for the lowest interest rates.
Call other lenders if your first choice of a mortgage lender or bank won't work with the VantageScore. It might be difficult to find a lender willing to work solely with your VantageScore: Most still rely on the more established FICO. However, you might find a lender that is willing to use your higher VantageScore as a mitigating factor; it won't replace your FICO score but will supplement it, something that might help you qualify for a lower interest rate.