When you apply for a home loan, the lender won’t just look at your income and debt. Your credit history is also a key factor in the approval process.

Be Aware of Your Score

If your credit score is in the mid-600s or below, you may not get approved for a mortgage with the terms you want. Fortunately, there are some things you can do to raise your score. First, reduce the balances of credit cards and other consumer loans. You should also make sure you pay your bills on time and repair any errors on your credit report.

You’ll be better off if you know what your score is before you apply for a loan. Review your credit today and make the necessary changes.