If your credit cards are maxed out, your "utilization" is killing your score. Pay them down below 30% to see a quick jump.
Sometimes your score is low because of errors or simple fixes. Before applying, do a quick audit: how can i buy a home with bad credit
Buying a home with a less-than-stellar credit score feels like trying to run a marathon with your shoes tied together. It’s harder, sure, but it’s definitely not impossible. If your credit cards are maxed out, your
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Their high score and income are factored into the application, making you look much more attractive to lenders.
A bigger down payment reduces the Loan-to-Value ratio.