Credit & Qualification Tips

Your credit score is one piece of qualification - payment history, balances, and account age all influence pricing. Pull your own report early so surprises do not appear mid-underwriting.

Quick wins: lower card balances relative to limits, pay on time, and avoid large purchases on credit before closing. Major disputes can delay files - coordinate with your loan officer before you file.

Investors and self-employed borrowers face extra scrutiny. Bring tax returns, entity docs, and rental schedules when you book a review so we can flag gaps before you write offers.