Tips from a Home Mortgage Officer

The best advice I can give is to own your credit report. And, make sure it’s accurate before it gets pulled by a lender. There are several websites available to help you check your credit. For example, Equifax.com allows you to see your report. You don’t get to see your credit score, but you can make sure the report is accurate. If you see any errors, talk with your home loan officer to get them fixed before buying a house. 

 

And, remember that any changes or corrections you make to your credit report need to take place well before buying a house.  You should not make any changes up to 60 days before buying because you can actually do more harm than good at this point. But, if you correct errors in advance, it can really help when it comes time to buy the home you want.