11/02/2026
Your credit score is important, but it’s only one piece of the puzzle when applying for a mortgage.
A mortgage professional may also look at:
Payment history
Have you consistently paid your debts on time?
Existing debts
How much are you currently obligated to pay each month?
Income
Does your income support the proposed monthly housing payment and your other obligations?
Credit history
How long have you had credit, and what does your overall history look like?
Overall financial picture
Savings, assets, debts, income, and other factors can all help paint a more complete picture of your financial situation.
So instead of thinking, “My credit score is X, so I can or can't buy a home,” think of your credit score as one piece of a much bigger picture.
