Buying a home is probably the single largest investment most people make in a lifetime.

By preparing yourself and your credit profile before a home purchase, you can ensure a 

smooth finance process and can potentially save thousands on your loan. 

Start by checking your credit reports from Trans-Union, Equifax and Experian 

To get the best possible mortgage rate, make sure your credit history is healthy and

accurate. Aim to raise your credit score above 650 in order to qualify for most prime

loans. If your credit score is not quite 650, focus your efforts on paying bills on time,

reducing your debt balances, avoiding new inquiries and clearing negative inaccuracies

from your credit report. It is possible to improve your credit score quite a bit over a few

months. Make sure the information on your credit report is correct and fix any problems

you discover. Give yourself 30-90 days for correcting inaccuracies. Found an error while

reviewing your credit with the lender? Ask about the “rapid rescoring” process where your

lender can submit a dispute and potentially improve your credit score in 72 hours. 

For a complete understanding of your credit history please fill out the form below and we will contact you shortly.

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