{"id":20876,"date":"2024-10-30T13:11:10","date_gmt":"2024-10-30T19:11:10","guid":{"rendered":"https:\/\/www.lexingtonlaw.com\/blog\/?p=20876"},"modified":"2024-10-30T13:11:11","modified_gmt":"2024-10-30T19:11:11","slug":"credit-repair-for-mortgage-approval","status":"publish","type":"post","link":"https:\/\/www.lexingtonlaw.com\/blog\/credit-101\/credit-repair-for-mortgage-approval.html","title":{"rendered":"How to fix your credit to buy a house: 6 simple tips"},"content":{"rendered":"\n<figure class=\"wp-block-image size-full\"><img decoding=\"async\" width=\"570\" height=\"190\" src=\"https:\/\/www.lexingtonlaw.com\/blog\/wp-content\/uploads\/2024\/10\/credit-repair-for-mortgage-approval-hero-1500x500-1.jpg\" alt=\"\" class=\"wp-image-20877\"\/><\/figure>\n\n\n\n<p><em>The information provided on this website does not, and is not intended to, act as legal, financial or credit advice. <\/em><a href=\"https:\/\/www.lexingtonlaw.com\/disclaimer\" target=\"_blank\" rel=\"noreferrer noopener\"><em>See Lexington Law\u2019s editorial disclosure for more information.<\/em><\/a><\/p>\n\n\n\n<p>Buying a home is part of the American dream, but having a <a href=\"https:\/\/www.lexingtonlaw.com\/education\/bad-credit-score\" target=\"_blank\" rel=\"noreferrer noopener\">bad credit score<\/a> can make it difficult to reach this goal. A home is the largest purchase many people will ever make, and lenders want to ensure the borrower is able to pay their mortgage. If you have a low score, learning how to fix your credit to buy a house can help with your loan application save you money as well.<\/p>\n\n\n\n<p>In this guide, we provide you with five simple ways to fix your credit to buy a house. Not only will repairing your credit increase your approval odds, but it can also help you get better interest rates as well. We\u2019ll also provide you with some different ways to buy a home with a low credit score.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-should-you-fix-your-credit-before-applying-for-a-home-loan\"><strong>Should you fix your credit before applying for a home loan?<\/strong><strong><\/strong><\/h2>\n\n\n\n<p>Knowing how to fix your credit to buy a house means looking for errors on your credit report that may be lowering your score. Some of the most common errors include:&nbsp;<\/p>\n\n\n\n<ul>\n<li>Inaccurate missed or late payments<\/li>\n\n\n\n<li>Account errors as a result of identity theft<\/li>\n\n\n\n<li>Incorrect personal information<\/li>\n\n\n\n<li>Closed accounts reported as open<\/li>\n<\/ul>\n\n\n\n<p>Due to the <a href=\"https:\/\/www.lexingtonlaw.com\/education\/what-is-the-fair-credit-reporting-act\" target=\"_blank\" rel=\"noreferrer noopener\">Fair Credit Reporting Act (FCRA)<\/a>, you have the right to dispute errors on your credit report. By sending a <a href=\"https:\/\/www.lexingtonlaw.com\/blog\/credit-101\/what-is-609-letter.html\" target=\"_blank\" rel=\"noreferrer noopener\">609 dispute letter<\/a>, you can begin challenging these errors and potentially improving your score.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>What credit score do you need to buy a house?<\/strong><strong><\/strong><\/h2>\n\n\n\n<p>To receive a conventional loan, you typically need a <a href=\"https:\/\/www.usbank.com\/home-loans\/mortgage\/first-time-home-buyers\/credit-score-for-mortgage.html\" target=\"_blank\" rel=\"noreferrer noopener\">credit score of at least 620<\/a>. However, some lenders may require a higher score closer to 660. There are also government-backed loans, which have different requirements. For example, you can have a credit score as low as <a href=\"https:\/\/www.rocketmortgage.com\/learn\/fha-loans\" target=\"_blank\" rel=\"noreferrer noopener\">580 for an FHA loan<\/a>, but you often need a down payment of about 10 percent.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>How credit score affects mortgage approval and interest rates<\/strong><strong><\/strong><\/h2>\n\n\n\n<p>It\u2019s also helpful to remember that your credit score plays a role in your interest rate. Lenders look at your score as a way to assess your credit risk. With a lower credit score, they perceive a borrower as more high risk, so they often charge much higher interest rates to ensure they\u2019re making some money back on the loan.<\/p>\n\n\n\n<p>Your interest rate can raise or lower your home\u2019s total cost by hundreds of thousands of dollars. For example, a $425,000 home with a 20 percent down payment and a five percent interest rate for a term of 30 years would cost a total of $657,000. At an eight percent interest rate, that same home would cost closer to $900,000.<\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><img decoding=\"async\" width=\"570\" height=\"521\" src=\"https:\/\/www.lexingtonlaw.com\/blog\/wp-content\/uploads\/2024\/10\/how-does-your-credit-score-affect-your-mortgage-interest-rate.png\" alt=\"Image showing quote \" class=\"wp-image-20878\"\/><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>5 ways to fix your credit to buy a home<\/strong><strong><\/strong><\/h2>\n\n\n\n<p>There are various ways to fix your credit to buy a home, and you can use multiple strategies to increase your score faster and improve your chances of approval. Many people want to know <a href=\"https:\/\/www.lexingtonlaw.com\/education\/how-long-does-credit-repair-take\" target=\"_blank\" rel=\"noreferrer noopener\">how long credit improvement takes<\/a>, but it can vary depending on your individual situation.\u00a0<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>1. Review your credit report and dispute errors<\/strong><strong><\/strong><\/h3>\n\n\n\n<p>The best place to start is to get a copy of your credit report from each of the <a href=\"https:\/\/www.lexingtonlaw.com\/education\/three-credit-bureaus\" target=\"_blank\" rel=\"noreferrer noopener\">major credit bureaus<\/a> and thoroughly review them for potential errors. Should you find errors or inaccuracies, you can take steps to <a href=\"https:\/\/www.lexingtonlaw.com\/education\/credit-disputes\" target=\"_blank\" rel=\"noreferrer noopener\">work to get them removed.<\/a><\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>2. Pay down your debt<\/strong><strong><\/strong><\/h3>\n\n\n\n<p>One of the major factors lenders look at when reviewing your loan application is your debt-to-income (DTI) ratio. Lenders like Wells Fargo recommend a DTI of <a href=\"https:\/\/www.wellsfargo.com\/goals-credit\/smarter-credit\/credit-101\/debt-to-income-ratio\/understanding-dti\/\" target=\"_blank\" rel=\"noreferrer noopener\">35 percent or less<\/a>, but this can vary depending on the lender. Paying down your credit card debt through <a href=\"https:\/\/www.lexingtonlaw.com\/blog\/loans\/debt-consolidation.html\" target=\"_blank\" rel=\"noreferrer noopener\">debt consolidation<\/a> or other methods also helps improve your credit score because your <a href=\"https:\/\/www.lexingtonlaw.com\/education\/credit-utilization\" target=\"_blank\" rel=\"noreferrer noopener\">credit utilization<\/a> is worth 30 percent of your FICO\u00ae score.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>3. Pay off collection accounts<\/strong><strong><\/strong><\/h3>\n\n\n\n<p>If you have accounts in collections, they can significantly lower your credit score. There are many ways to negotiate with collections agencies, and you can sometimes settle your debt for a fraction of what you owe. Collections can stay on your credit report for up to seven years, so it\u2019s helpful to request a <a href=\"https:\/\/www.lexingtonlaw.com\/blog\/finance\/pay-for-delete-letter.html\" target=\"_blank\" rel=\"noreferrer noopener\">pay for delete letter<\/a> to remove the collection from your report.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>4. Become an authorized user<\/strong><strong><\/strong><\/h3>\n\n\n\n<p>Those whose credit scores are too low to get approved for credit cards can become an authorized user. If you have a friend or family member with a credit card and a good payment history, they can add you as an authorized user. This allows you to \u201cpiggyback\u201d off of their score, so as they make on-time payments, your credit score will also typically improve with a positive credit history.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>5.<\/strong><strong> <\/strong><strong>Avoid taking on new debt<\/strong><strong><\/strong><\/h3>\n\n\n\n<p>During the home-buying process, it\u2019s a good idea to avoid opening any new lines of credit until the loan closes. Similar to how new credit on your credit report can lower your credit score, opening new lines of credit may indicate that you\u2019re having financial difficulties.\u00a0<\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><img decoding=\"async\" width=\"570\" height=\"573\" src=\"https:\/\/www.lexingtonlaw.com\/blog\/wp-content\/uploads\/2024\/10\/5-tips-to-improve-your-credit-before-applying-for-a-home-loan.png\" alt=\"Illustration: 5 tips to improve your credit before applying for a home loan\" class=\"wp-image-20879\"\/><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>How to buy a house with bad credit<\/strong><strong><\/strong><\/h2>\n\n\n\n<p>Repairing your credit score can improve your chances of getting a home loan and getting you a good interest rate, but there are ways to <a href=\"https:\/\/www.lexingtonlaw.com\/education\/buy-house-with-bad-credit\" target=\"_blank\" rel=\"noreferrer noopener\">get a mortgage with bad credit<\/a>, too. One of the best options is to look for home loans for bad credit, and you have a few options:<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Put down a larger down payment<\/strong><strong><\/strong><\/h2>\n\n\n\n<p>Conventional loans typically require a minimum credit score of 620 to 700, but you can also offer to put down a larger down payment. This decreases the total amount loaned, which also decreases the risk for the lender.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Look into nonconventional loans<\/strong><strong><\/strong><\/h2>\n\n\n\n<p>There are different federal loans you may qualify for that don\u2019t require a high credit score.<\/p>\n\n\n\n<ul>\n<li><strong>FHA loans: <\/strong>These are federally backed loans, and you can have a minimum score of 580. FHA loans may require a down payment of 10 percent.<\/li>\n\n\n\n<li><strong>VA loans: <\/strong>Veterans can apply for VA loans, and these require a minimum score of 580. These loans allow $0 down, but you may need to pay a one-time \u201cfunding fee.\u201d<\/li>\n\n\n\n<li><strong>USDA loans: <\/strong>If you\u2019re purchasing a home in a rural area, you may qualify for a USDA loan for a $0 down payment and a <a href=\"https:\/\/www.fairway.com\/articles\/buyers-guide-to-usda-loan-credit-score-requirementshttps:\/www.fairway.com\/articles\/buyers-guide-to-usda-loan-credit-score-requirements\" target=\"_blank\" rel=\"noreferrer noopener\">minimum score of 640.<\/a><\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Find a cosigner<\/strong><strong><\/strong><\/h2>\n\n\n\n<p>Cosigners help mitigate the lender&#8217;s risk when you take out a home loan. If you have a friend or family member with a high credit score who is willing to cosign on the mortgage with you, it can improve your chances of getting approved. When using a cosigner, your credit scores are linked, so it\u2019s important to ensure you make the mortgage payments on time if approved.<\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><img decoding=\"async\" width=\"1500\" height=\"1318\" src=\"https:\/\/www.lexingtonlaw.com\/blog\/wp-content\/uploads\/2024\/10\/what-credit-score-do-you-need-to-get-a-home-loan.png\" alt=\"illustration: what credit score do you need to get a home loan?\" class=\"wp-image-20880\" srcset=\"https:\/\/www.lexingtonlaw.com\/blog\/wp-content\/uploads\/2024\/10\/what-credit-score-do-you-need-to-get-a-home-loan.png 1500w, https:\/\/www.lexingtonlaw.com\/blog\/wp-content\/uploads\/2024\/10\/what-credit-score-do-you-need-to-get-a-home-loan-1100x967.png 1100w, https:\/\/www.lexingtonlaw.com\/blog\/wp-content\/uploads\/2024\/10\/what-credit-score-do-you-need-to-get-a-home-loan-768x675.png 768w\" sizes=\"(min-width: 767px) 600px, calc(100vw - 35px)\" \/><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Be cautious of bad credit home loans<\/strong><strong><\/strong><\/h2>\n\n\n\n<p>Some lenders specialize in bad credit home loans, only requiring a credit score of 575. Remember, a lower credit score often means higher interest rates. Due to the high risk of bad credit home loans, these loans can increase the cost of a home due to the higher interest rate.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Lexington Law Firm can help you assess your credit before applying for a loan<\/strong><strong><\/strong><\/h2>\n\n\n\n<p>Assessing your credit and finding errors can be difficult and overwhelming, which is why Lexington Law Firm is here to help. We have 20 years of experience and offer <a href=\"https:\/\/www.lexingtonlaw.com\/credit-snapshot\/pi\" target=\"_blank\" rel=\"noreferrer noopener\">free credit assessment<\/a> so you can see where your credit currently stands and recommendations to improve your score.<\/p>\n\n\n\n<p><a href=\"https:\/\/lexingtonlaw.com\/disclaimer\" target=\"_blank\" rel=\"noreferrer noopener\"><strong><em>Note:<\/em><\/strong><\/a><em> The information provided on this website does not, and is not intended to, act as legal, financial or credit advice; instead, it is for general informational purposes only. Use of, and access to, this website or any of the links or resources contained within the site do not create an attorney-client or fiduciary relationship between the reader, user, or browser and website owner, authors, reviewers, contributors, contributing firms, or their respective agents or employers.<\/em><\/p>\n","protected":false},"excerpt":{"rendered":"<p>You need a decent credit score to buy a home, and we have five credit repair tips for mortgage approval to help raise your score. Read on to learn more.<\/p>\n","protected":false},"author":63,"featured_media":20877,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[9],"tags":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v18.1 (Yoast SEO v18.3) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>How to fix your credit to buy a house: 6 simple tips - Lexington Law<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.lexingtonlaw.com\/blog\/credit-101\/credit-repair-for-mortgage-approval.html\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"How to fix your credit to buy a house: 6 simple tips\" \/>\n<meta property=\"og:description\" content=\"You need a decent credit score to buy a home, and we have five credit repair tips for mortgage approval to help raise your score. 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