Credit History

You don’t need to pull your own credit report; your lender will handle that. But it’s still smart to review it ahead of time. Catching any surprises early gives you time to fix them before they turn into bigger issues.

Here’s what lenders are usually looking for:

• A solid credit score
• A history of on-time payments (no missed or late payments)
• Debt levels that are manageable and within reason

Had a bankruptcy or something unusual show up on your credit report? Don’t try to hide it. Be upfront. A good mortgage broker can help you frame your situation in a way lenders will understand and work with.