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How to Boost Your Credit Score Before Applying for a Mortgage

Your credit score could mean the difference between loan approval and rejection—or thousands in interest over time.

In 2025’s competitive housing market, your credit score is more important than ever. It’s one of the first things lenders consider when determining whether you qualify for a mortgage—and what interest rate you’ll receive. A stronger score not only increases your chances of approval, it can save you tens of thousands over the life of a loan.

The good news? You don’t need perfect credit to buy a home. But even small improvements to your score before applying can have a big impact.

Check Your Credit Report for Errors

Start by reviewing your credit report from all three bureaus (Equifax, Experian, and TransUnion). Dispute any inaccuracies or outdated accounts that could be dragging your score down.

Pay Down Credit Card Balances

Your credit utilization ratio (the percentage of credit you’re using compared to your limit) plays a big role in your score. Aim to keep utilization below 30%, ideally closer to 10%.

Avoid New Debt Before Applying

Opening new credit cards, financing a car, or taking on personal loans can temporarily lower your score. Try to hold off on new debt at least 6 months before applying for a mortgage.

Make All Payments on Time

On-time payment history is the most influential factor in your credit score. Set reminders or automate payments to avoid missed deadlines.Don’t Close Old Accounts
Length of credit history matters. Keep older accounts open (even if unused) to help maintain your credit age.

Myth: You need a high credit score to qualify for a mortgage.Fact: While higher scores do unlock better rates, many programs accept lower credit scores —especially for FHA and VA loans. Lenders look at your full financial profile, not just your score.

Wondering how your current credit score might impact your mortgage options? Our team can help you understand where you stand—and what steps to take next.

Contact Sales for a free credit consultation with no obligation.

📞 855-LOANWORKS (855.562.6769)

✉️ Sales@LoanWorks.ai

🌐 loanworks.ai/application

Disclosures: LoanWorks, Inc. is a mortgage broker licensed in multiple states. All information provided on this blog is for general informational purposes only and does not constitute an offer to lend or a commitment to approve any loan. Loan terms, rates, and eligibility are subject to change without notice and may vary based on creditworthiness, property type, and other factors. Not all applicants will qualify.LoanWorks, Inc. does not guarantee approval, rate, or term and does not make any express or implied claims about the availability of specific programs or products.

By refinancing an existing loan, total finance charges may be higher over the life of the loan. Always consult with a licensed LoanWorks representative for details specific to your financial situation.

LoanWorks, Inc. | NMLS #2506079 | Consumer Access
We are an Equal Housing Opportunity Broker.
For licensing and legal disclosures, visit our Licensing Page.