Lenders use your credit score to determine your interest rate and down payment requirements.
Every time you apply for new credit, your score takes a temporary dip. Stop applying for new cards or car loans at least 6 months before your mortgage application.
The most accessible option, requiring only 580 for a 3.5% down payment, or 500 with a 10% down payment. USDA Loans: Usually require a 640 for automated approval. how to fix your credit score to buy a house
How to Fix Your Credit Score to Buy a House (2026 Guide) Repairing your credit for a mortgage is less about hitting a "magic number" and more about demonstrating a trajectory of financial responsibility to lenders. While some quick wins can boost your score in 30 days, a full "mortgage-ready" profile typically takes of intentional work. 1. Know Your Target Scores for 2026
Aim to keep your balances below 30% of your limit on every card; dropping below 10% provides the best boost. Lenders use your credit score to determine your
If you have good payment history, ask your current card issuers for a credit limit increase to instantly lower your utilization ratio. 4. Build a Rock-Solid Payment History
Length of credit history matters. Keeping old accounts open—even if unused—helps your average account age. The most accessible option, requiring only 580 for a 3
Nearly 1 in 5 credit reports contain errors that unfairly drag down scores.