Credit scores are important when you want to buy a home. It can make or break your ability to get a loan or change the interest rate available to you. There a some things that you can do to improve your score, but it does take some time. Start before you plan to apply for a mortgage and avoid the stress.
Free credit reports are available to help you get started. Websites like Free Credit Report and Credit Karma are good places to start. Sometimes just paying down a credit card a bit can make all the difference. In other instances not having any credit cards can be a detriment. Please let us know if you have questions or would like to talk to a trusted mortgage person.
For more information about improving your credit score, check out the video from Realtor.com:
Down Payment Assistance
Another resource on our website is a down payment assistance site that can help you find out if you qualify for financial assistance to buy a home. Many first-time home buyers, veterans and other professionals may be able to take advantage of low cost or free money to help them buy a home!