11/25/2025
Your credit score is one of the biggest factors lenders use to decide whether you’re a good candidate for a mortgage!
Here’s the simple breakdown 👇
Your score is based on:
👉 Payment history (35%)
👉 Balances + utilization (30%)
👉 Length of credit history (15%)
👉 New credit (10%)
👉Types of credit (10%)
Small habits make a massive difference: paying on time, keeping balances below 25% of your limit, not opening a bunch of new cards, and checking your credit report regularly.
The good news? You can improve your score-and most people do once they understand these basics!
Not sure if your credit score is mortgage-ready? Reach out and let's sort it out!
