Credit
Credit is one of the biggest pieces of the mortgage process, but it is not just about one score. Credit can affect pricing, loan program options, mortgage insurance, monthly debts, and final approval.
These pages explain credit in plain English so you know what matters, what can change, and what to avoid while you are getting ready to buy or refinance.
Credit Score Basics for a Mortgage
A plain-English look at how credit scores fit into mortgage approval.
What Credit Score Do I Need to Buy a House?
A plain-English guide to credit score requirements and why the full file still matters.
Why Credit Scores Can Change During the Mortgage Process
Why mortgage credit scores can move before closing and why that matters.
What Debts Count When You Apply for a Mortgage?
A simple explanation of the debts that can affect mortgage approval.
How Credit Card Balances Affect a Mortgage
How credit card balances can affect credit scores, payments, and mortgage approval.
Can I Buy a House With Late Payments?
A plain-English look at how late payments can affect mortgage approval.
What Not to Do With Credit Before Closing
Credit moves to avoid while shopping for a home or waiting to close.
What Happens If Credit Has to Be Repulled?
What it means when credit has to be refreshed or repulled before closing.
Educational Note
This page is meant to explain the mortgage process in plain English. It is not a loan approval, commitment to lend, rate quote, or legal/tax advice. Mortgage programs, pricing, payments, documentation requirements, and guidelines can change. Final approval depends on credit, income, assets, property approval, appraisal, title review, underwriting review, lender guidelines, and approved credit.