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How to Boost Your Credit Score So You Can Get a Mortgage

How to Boost Your Credit Score So You Can Get a Mortgage

When you’re buying a  home, lenders are going to look at your credit score to determine how much money – if any – they should let you borrow. That means you need to do the legwork of improving your credit score as much as you can before you apply for a loan. That way, you’ll qualify for better terms and interest rates.

So where do you start?

How to Boost Your Credit Score So You Can Get a Mortgage

The first thing you need to do is get a copy of your credit report. You’ll be able to see all your credit accounts in one place. If you see anything that doesn’t belong there – an account you never opened, for example, or a payment reported late when it really wasn’t – open a dispute. Creditors have to pay attention when you argue about something on your credit report!

Related: How to check your credit before you buy a home

From there, figure out where you stand.

435 Beachfront Trail
$3,350,000
  • 5 Bedrooms
  • 6 Bathrooms
  • 4,700 Sq Ft
  • 0.490 Acres

435 Beachfront Trail Santa Rosa Beach, Florida

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88 Sky High Dune Drive
$2,195,000
  • 4 Bedrooms
  • 4 Bathrooms
  • 3,646 Sq Ft
  • 0.350 Acres

88 Sky High Dune Drive Santa Rosa Beach, Florida

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45 Mary Street
$2,000,000
  • 6 Bedrooms
  • 6 Bathrooms
  • 3,444 Sq Ft
  • 0.230 Acres

45 Mary Street Santa Rosa Beach, Florida

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000 S Hwy 331
$1,550,000
  • 0 Bedrooms
  • 0 Sq Ft
  • 2.940 Acres

000 S Hwy 331 Santa Rosa Beach, Florida

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000 S 331 Highway
$1,350,000
  • 0 Bedrooms
  • 0 Sq Ft
  • 2 Acres

000 S 331 Highway Santa Rosa Beach, Florida

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451 Eastern Lake Road
$1,175,000
  • 3 Bedrooms
  • 4 Bathrooms
  • 1,920 Sq Ft

451 Eastern Lake Road Santa Rosa Beach, Florida

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364 Pisces Drive
$750,000
  • 3 Bedrooms
  • 2 Bathrooms
  • 2,302 Sq Ft
  • 1.840 Acres

364 Pisces Drive Santa Rosa Beach, Florida

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1018 Highway 98 120
$674,000
  • 3 Bedrooms
  • 3 Bathrooms
  • 1,622 Sq Ft

1018 Highway 98 120 Destin, Florida

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Lot 1B Jasmine Circle
$600,000
  • 0 Bedrooms
  • 0 Sq Ft
  • 0.120 Acres

Lot 1B Jasmine Circle Santa Rosa Beach, Florida

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2 Darrell Court
$445,000
  • 3 Bedrooms
  • 4 Bathrooms
  • 2,544 Sq Ft
  • 0.480 Acres

2 Darrell Court Freeport, Florida

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44 Grayton Bayou Drive
$439,000
  • 3 Bedrooms
  • 3 Bathrooms
  • 1,773 Sq Ft
  • 0.120 Acres

44 Grayton Bayou Drive Santa Rosa Beach, Florida

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207 Melrose Avenue
$425,000
  • 3 Bedrooms
  • 3 Bathrooms
  • 2,010 Sq Ft
  • 0.150 Acres

207 Melrose Avenue Santa Rosa Beach, Florida

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Lot 14 East Wild Blueberry Way
$399,000
  • 3 Bedrooms
  • 2 Bathrooms
  • 1,510 Sq Ft

Lot 14 East Wild Blueberry Way Santa Rosa Beach, Florida

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117 Village Boulevard UNIT 721
$359,900
  • 3 Bedrooms
  • 2 Bathrooms
  • 1,022 Sq Ft

117 Village Boulevard UNIT 721 Santa Rosa Beach, Florida

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104 Village Boulevard UNIT 616
$350,000
  • 3 Bedrooms
  • 2 Bathrooms
  • 1,022 Sq Ft

104 Village Boulevard UNIT 616 Santa Rosa Beach, Florida

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To boost your score, use these tips:

  • Ask your creditors to raise your credit limits, which improves your debt-to-utilization ratio
  • Pay all your payments on time
  • Try to pay down as much of your debt as you can

If you have high-interest debt that’s eating up more of your income than it should, you might want to talk to a financial adviser about taking out a debt consolidation loan. That could end up putting more money in your pocket and help improve your credit score by changing your balances and making the types of credit you have more robust.

Are You Buying a Home Along 30A?

If you’re thinking about buying a home for sale on 30A, we can help you. Sign up for exclusive access to the hottest listings – we’ll notify you as soon as homes that meet your needs hit the market!

You can also check out all our 30A real estate listings or get specific with these links:

  • Alys Beach homes for sale
  • Destin homes for sale
  • Grayton Beach homes for sale
  • Panama City Beach homes for sale
  • Santa Rosa Beach homes for sale
  • WaterColor homes for sale
3010 E County Hwy 30A
$19,900,000
  • 7 Bedrooms
  • 10 Bathrooms
  • 9,981 Sq Ft
  • 0.250 Acres

3010 E County Hwy 30A Santa Rosa Beach, Florida

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8512 E County Hwy 30a
$12,990,000
  • 9 Bedrooms
  • 12 Bathrooms
  • 9,357 Sq Ft

8512 E County Hwy 30a Inlet Beach, Florida

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200 Eastern Lake Road
$12,750,000
  • 5 Bedrooms
  • 8 Bathrooms
  • 7,154 Sq Ft

200 Eastern Lake Road Santa Rosa Beach, Florida

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47 Hinton Drive
$12,500,000
  • 8 Bedrooms
  • 9 Bathrooms
  • 8,475 Sq Ft
  • 0.700 Acres

47 Hinton Drive Santa Rosa Beach, Florida

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2182 E County Hwy 30A
$10,950,000
  • 6 Bedrooms
  • 7 Bathrooms
  • 5,335 Sq Ft

2182 E County Hwy 30A Santa Rosa Beach, Florida

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756 Blue Mountain Road
$9,495,000
  • 6 Bedrooms
  • 9 Bathrooms
  • 8,277 Sq Ft
  • 0.260 Acres

756 Blue Mountain Road Santa Rosa Beach, Florida

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208 Paradise By The Sea Boulevard
$8,999,000
  • 6 Bedrooms
  • 7 Bathrooms
  • 6,900 Sq Ft

208 Paradise By The Sea Boulevard Inlet Beach, Florida

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427 E Water Street
$8,200,000
  • 6 Bedrooms
  • 6 Bathrooms
  • 3,628 Sq Ft
  • 0 Acres

427 E Water Street Rosemary Beach, Florida

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12 S Spanish Town Lane
$7,800,000
  • 7 Bedrooms
  • 8 Bathrooms
  • 5,159 Sq Ft
  • 0.130 Acres

12 S Spanish Town Lane Rosemary Beach, Florida

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4895 W County Hwy 30A
$7,650,000
  • 5 Bedrooms
  • 7 Bathrooms
  • 6,751 Sq Ft
  • 0.390 Acres

4895 W County Hwy 30A Santa Rosa Beach, Florida

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517 Beachside
$7,500,000
  • 8 Bedrooms
  • 10 Bathrooms
  • 6,096 Sq Ft
  • 0.850 Acres

517 Beachside Panama City Beach, Florida

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152 E St Lucia Lane
$7,195,000
  • 5 Bedrooms
  • 6 Bathrooms
  • 4,646 Sq Ft

152 E St Lucia Lane Santa Rosa Beach, Florida

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86 Tidal Bridge Way
$7,000,000
  • 6 Bedrooms
  • 7 Bathrooms
  • 4,765 Sq Ft

86 Tidal Bridge Way Inlet Beach, Florida

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28 W Spanish Town Court
$6,995,000
  • 5 Bedrooms
  • 5 Bathrooms
  • 5,017 Sq Ft
  • 0.070 Acres

28 W Spanish Town Court Rosemary Beach, Florida

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281 Pompano Street
$6,699,000
  • 6 Bedrooms
  • 5 Bathrooms
  • 5,694 Sq Ft

281 Pompano Street Inlet Beach, Florida

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Posted in: Buyers

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What to Expect From a Home Inspection »

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