How much does a new mortgage affect your credit score after making on time payments for 6 months to a year.?

I just bought a house and am wondering how it will affect my fico. I have a good job and will never be late on my payments. I know your fico lowers at first, but what kind of point boost will a paid on time mortgae give your fico?How much does a new mortgage affect your credit score after making on time payments for 6 months to a year.?
I'm not sure exactly, but I know they look at your total outstanding credit (mortgage, loans, credit cards) and compare that with what is paid off. I would guess it would be back to ';normal'; after a couple of years of mortgage payments, assuming all other credit vs. outstanding loans remains equal.





If you're looking for a new loan on something, I would probably wait another six months to be sure you have a full year of mortgage payments.How much does a new mortgage affect your credit score after making on time payments for 6 months to a year.?
This is difficult to determine. The bureaus do not provide any matrix of formulas used to determine a credit score.





Here is some additional info. Hope this helps.