Credit Score for a Mortgage (US Guide)
Mortgage lending is score-sensitive. Even small changes in your score can affect pricing. Lenders also look at income, debt-to-income ratio, and overall credit history.
Key factors lenders care about
- Credit score and payment history
- Utilization and revolving balances
- Debt-to-income (DTI)
- Recent hard inquiries
- Cash reserves and down payment
How to prep 30–60 days before applying
- Pay down credit cards to lower utilization.
- Avoid new credit applications.
- Fix any report errors that you can document.
- Keep bank statements and income docs organized.
Check your score first
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