See exactly where you stand before applying — and what to fix to get approved faster.
Your Credit Profile
Current credit score (estimate)
Monthly gross income ($)
Total monthly debts ($)
Savings / down payment ($)
Home price target ($)
Credit Checklist — Tick Everything That Applies
No late payments in the last 12 monthsPayment history is 35% of your FICO score
Credit utilization below 30%Ideally below 10% before applying
No open collections or charge-offsUnresolved collections can block approval
At least 2 years of credit historyLenders want to see a track record
Mix of credit types (card + loan)Credit mix is 10% of your score
No new credit applications in 6 monthsHard inquiries lower your score temporarily
2+ years at current employerStable employment history matters to lenders
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Your Next Steps
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Track Your Score Progress
Monitor your credit score monthly as you prepare for a mortgage application.
Not financial advice. Mortgage approval depends on many factors including lender requirements, property type, and loan program. Consult a licensed mortgage professional before applying.