04/14/2026
5 things that can help you qualify for MORE home at a LOWER rate 👇
1. Avoid high car payments — reduces your debt-to-income ratio and helps you have a higher purchasing power.
2. Don’t co-sign for anyone — it adds liability to your profile and reduces your purchasing power.
3. Keep credit card balances as low as possible — boosts your score resulting in better rate options.
4. Avoid Afterpay, Klarna, etc. — buy now pay later programs may not show up on your credit report but is added to your financial liabilities.
5. Use seller concessions to buy the rate down. The power of a seller concession can be bigger than a price reduction. Lower your payment from day one.
Your financial habits today directly impact what you qualify for tomorrow. Ready to get pre-approved? Let’s talk. 👇
DTI CreditScore