Why Your Credit Score Matters

Lenders use your credit score to measure how reliably you’ve managed debt in the past. The higher your score, the better your chances of qualifying for a loan—and the better the interest rate you’ll receive. Even a small bump in your score can save you thousands over the life of your mortgage.

Tips to Improve Your Credit Score

1. Pay Bills on Time, Every Time

Payment history makes up the largest part of your credit score. Set up autopay or reminders to make sure you never miss a due date.

2. Keep Credit Card Balances Low

Aim to use less than 30% of your available credit. Paying down balances can give your score a quick boost.

3. Don’t Open Too Many New Accounts at Once

Every hard inquiry can lower your score temporarily. Be strategic about applying for new credit.

4. Dispute Errors on Your Credit Report

Check your report regularly at AnnualCreditReport.com. Mistakes happen, and correcting them can improve your score.

5. Build Credit Gradually

If you’re just starting out, consider a secured credit card or becoming an authorized user on a responsible person’s account.

How to Strengthen Your Mortgage Approval

A good credit score is just one piece of the puzzle. Lenders also look closely at your employment, income, and debts.

1. Secure Stable Employment

Consistency is key. Most lenders want to see at least two years of steady income in the same field. Changing jobs too often can raise red flags unless it’s clearly a step up in your career.

2. Save for Closing Costs & Reserves

Even with programs like USDA (0% down) and FHA ($100 down on HUD homes), you’ll still need funds for closing costs, insurance, and taxes. Seller concessions can help, but you should be prepared with savings of your own.

3. Watch Your Debt-to-Income Ratio (DTI)

Your debts (credit cards, car payments, student loans, etc.) compared to your income play a big role in approval. Keeping your DTI below 43% gives you a better chance of qualifying.

4. Avoid Big Purchases Before Applying

Financing a new car, furniture, or taking on other loans right before applying can hurt your approval odds.

The Bottom Line

Improving your credit and maintaining stable employment are the two biggest steps you can take to get mortgage-ready. A stronger financial foundation not only helps you qualify but can also save you thousands with a lower interest rate.

👉 Ready to see what steps you can take right now? Contact me today for a personalized mortgage readiness plan.

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