Here’s a mortgage secret that can make a world of difference in your home-buying journey:

Your credit score matters – a lot!

Your credit score can affect your mortgage rate more than you might think. Even a small difference in your score can result in big changes in your monthly payments and the total cost of your loan. That’s why it’s crucial to maintain good credit habits:

1. Pay Your Bills on Time: Late payments can impact your score negatively.

2. Manage Your Credit Utilization: Try to keep credit card balances low.

3. Avoid Opening New Credit Accounts: Each new account can lower your average account age.

4. Regularly Check Your Credit Report: Look for errors and dispute any inaccuracies.

Remember, a higher credit score can help you secure a lower interest rate, potentially saving you thousands over the life of your loan. So, keep those credit habits in check as you set out to find your dream home!