Should I get my FICO scores before applying for my first mortgage?

I'm trying to determine if it will be worth the $50 to get my FICO scores before applying for a mortgage. I currently pay for a credit monitoring service through HSBC's Credit Keeper, which provides scores for all three bureaus. I am aware that these scores are not FICO scores and are typicially not accurate. With this monitoring service my scores are Ex 724, EQ 714, and TU 749. I have no late payments and no potentially negative items. I do have slightly high debt ratios and will discuss those issues with my lender when I apply later this month. Is it worth it for me to pay the $50 to know exactly what my scores are before I apply? Or should I just wait and let the lender pull my score for the pre-approval since I will have to pay for the credit report then anyway?

There's really not much (if anything) you will gain by paying to know your exact score. You already know your credit is good and is correctly recorded because you already have the individual reports from each bureau.

I guess the way I look at it is that once you know your score, will it really change your decision-making process? Probably not. And your bank will definitely provide it for you during the process.