Credit Reports

Your credit affects which loan programs you qualify for, the rate you’re offered, and even how much mortgage insurance you’ll pay. In this section I explain how mortgage lenders read your credit report, why your mortgage score can differ from the free score in your app, and practical steps to improve it before you apply, from paying down balances to correcting errors. Small changes can make a real difference, so it pays to start early. Not sure where you stand? Use my Find My Best Mortgage tool and I’ll review your options with you, with no pressure.