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How to Build Your Credit Before Applying for a Mortgage

by Mercer Savings Bank / Thursday, 01 November 2018 / Published in First-Time Homebuyer, Mortgages

When you apply for a mortgage, lenders will look at many different factors, including your credit score, debt-to-income ratio, loan-to-value ratio (loan amount versus the value/purchase price of the property), and savings history.

If you’re applying for a home loan, it’s a good idea to try to raise your credit score in preparation. Here are a few easy-to-follow tips for improving your credit score.

Questions About Mortgages?

If you want to learn more about mortgages, Mercer Savings Bank has a comprehensive guide to help you make your home-owning dream a reality. Read our Mortgage 101: A Beginner’s Guide to get started.

 

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