Before the open houses and offers, get pre-approved. 
Our guide explains how it works, what you’ll need, and why it matters.

Step 1: Check your credit score

Think of your credit score as your mortgage wingman: the stronger it is, the better the deal it can help you land.

Why is it important?

Having a good credit rating shows lenders you’re trustworthy with money—and that comes with perks.

• Lower interest rates
Better credit usually means better rates, which can save you thousands over time.


• Higher approval odds
Lenders are more likely to say yes (and faster) when your credit is strong.


• More borrowing power
A good score can help you qualify for a larger mortgage or better terms.


• More choice and flexibility
Strong credit opens the door to more lenders, mortgage types, and features.


• Lower overall costs
Weaker credit can mean higher rates, tighter rules, or extra fees. Good credit helps you avoid all that.