Credit Before a Mortgage Application

Before a mortgage, check all reports, avoid unnecessary new debt, and keep documented cash. Mortgage underwriting uses more than a consumer app score.

Check early

Review Equifax, Experian, and TransUnion reports months before applying so factual errors can be documented and investigated.

Keep the profile stable

Avoid unnecessary applications, large unexplained purchases, and closing useful cards. Lenders may refresh credit before closing.

Protect cash

Keep emergency and closing funds documented. Large deposits may need explanation, and draining reserves for utilization can create a different risk.

Compare loan estimates

Once applying, compare official Loan Estimates for rate, APR, points, lender credits, cash to close, and projected payments.