How Can I Improve My Credit Score Before Buying a Home?

Your credit score plays a major role in determining your loan options and interest rate. To boost it, start by checking your credit report for errors and paying down revolving debt like credit cards. Keep your credit utilization under 30%, avoid opening new accounts too close to your purchase, and make all payments on time.

In my experience, even small improvements can significantly impact your mortgage approval and rate. I’ve seen buyers qualify for better terms within a few months simply by lowering balances and managing credit responsibly. A lender or credit professional can help you develop a personalized plan.