Many buyers only see their credit score once they apply — which is the worst time to find a problem.
Score guidelines
- About 600 is generally the minimum for an insured mortgage
- 680+ for a conventional mortgage
- 720+ typically gets you access to the best rates
Check it free
Borrowell and Credit Karma let you check your score at no cost, and checking your own score won't hurt it.
Fix errors first
Mistakes on credit reports are common. Correcting them before you apply can save you thousands over your term — and a lot of stress.
Planning to buy in the next year? Message me and I'll walk you through how to get credit-ready.