1. Learn what your credit score is. The banks and other mortgage lenders are looking for people with credit scores of 650 for higher. Find out what your credit score.
2. If you credit score needs strengthening then here is what you need to do the fix that:
a. pay off your credit card debits
b. learn to pay bills on time
c. resolve any credit disputes or delinquencies
A stronger credit score will help you to get a lower interest rate on your mortgage.
3. Once your score is over 650 then apply to a mortgage lender to find out how much you qualify for.
Make sure it is a pre-approval not a pre-qualification. What is the difference?
