10 Ways to Build Your Credit Score Before Applying for a Mortgage

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  1. Make timely payments. Payment history is one of the most important factors in determining your credit score. Make sure to pay all of your bills on time every month, including credit card payments, loan payments, and utility bills.
  2. Pay down your balances. Your credit utilization ratio, or the amount of credit you’re using compared to your credit limit, is another important factor in your credit score. Aim to keep your credit utilization below 30% of your credit limit.
  3. Dispute errors on your credit report. Check your credit report regularly for errors, such as incorrect account balances or accounts that don’t belong to you. Dispute any errors with the credit bureau to have them removed from your report.
  4. Keep old accounts open. The length of your credit history is another important factor in your credit score. Avoid closing old credit card accounts, even if you’re not using them.
  5. Apply for new credit sparingly. Each time you apply for new credit, it can have a negative impact on your credit score. Only apply for new credit when you need it, and avoid applying for multiple credit cards or loans at once.
  6. Use different types of credit. Having a mix of different types of credit, such as credit cards, auto loans, and mortgages, can help improve your credit score.
  7. Become an authorized user. If you have a friend or family member with a good credit history, ask to be added as an authorized user on their credit card. This can help improve your credit score as long as they make timely payments.
  8. Negotiate with creditors. If you’re struggling to make payments on a debt, contact your creditor to negotiate a payment plan or settlement. This can help you avoid a negative mark on your credit report.
  9. Check your credit score regularly. Monitoring your credit score regularly can help you track your progress and identify any issues that need to be addressed.
  10. Seek professional help. If you’re struggling to improve your credit score, consider seeking help from a credit counseling agency or financial advisor. They can provide guidance and support to help you improve your credit score over time.

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Thank you for visiting Home Mortgage Pros! My name is Mark Fazio, and I have been originating mortgages since 2016.

Sometimes, starting the mortgage process can be quite confusing and daunting. You might be asking yourself, “How do I even get started?” “Am I getting ripped off?” “Am I making the right move?” “How much do I need for a down payment?” “Should I shop around?” and so much more. These are all common concerns within the industry.

My goal is to help guide you, answer your questions, earn your trust, and give you that red-carpet experience. And, if I’m not able to offer you a mortgage, at least I hope I can offer you some great advice and set you in the right direction!

GET A QUOTE – fill out the questionaire and then schedule a free appoitnment with me.

LEARN  – Over 20 articles I have written that can assist you in understanding mortgage related info and offer various useful tips and tricks. 

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Kimbo HamiltonKimbo Hamilton
14:55 16 Jul 23
I met Mark through my agent and although I was skeptical over shark-like loan officers, Mark proved to be otherwise by providing the best rate over other all other external loan officers. He was relentless in his follow up and even worked on Mother’s Day weekend gathering my docs for processing. Mark is now my guy. Make him your guy too.
Sokhieng HornSokhieng Horn
22:08 14 Jul 23
My loan officer’s Mark Fazio is really great I highly recommend him. My process was really smooth and easy he answered all my questions and call asap, without his help I couldn’t get a loan due to my foreclosure issues but everything work out great and he got me my loan I’m satisfied now I’m a new homeowner again thank you Mark
Lesia LewisLesia Lewis
18:21 09 May 23
Mark was an amazing person to work with. He is always on time and made this refinance so simple. I really appreciate the job that he did and would refer him to all that I can. He always returned text or call very quickly and never hesitated to help me. Thank you so much for an amazing job you did.
Alyssa BildusasAlyssa Bildusas
16:53 23 Apr 23
Mark was extremely helpful through the process of my refinance. He took me step by step and answered all of my questions throughly. The appointment to get everything notarized went very smoothly, such an easy process. I have recommended him to multiple friends to go through the process to make living easier and more affordable.
Zachary LoweZachary Lowe
23:36 20 Apr 23
Our mortgage experience with Mark was nothing short of excellent. We got the best rate on the market and the process was very simple. Highly recommended.
Jonathon StitzingerJonathon Stitzinger
01:31 20 Apr 23
Mark did a phenomenal job when it came to setting up my new home mortgage. Communication was amazing and he got everything done in no time! Highly recommend Mark and he will be the first person I call when I do my next refinance or new home mortgage!
Bryce ButzineBryce Butzine
14:34 18 Apr 23
Mark was awesome to work with! Could not recommend enough. Smooth and seamless process getting my deal through.
Kayla OverlyKayla Overly
23:30 16 Apr 23
Mark was such a great person to have in my corner for my first home purchase. He was extremely professional, attentive, and very communicative. He did an amazing job making me feel educated and comfortable every step of the way! I would 100% work with Mark again and refer him to friends and family for their lending needs.
Christa FreemanChrista Freeman
20:51 15 Apr 23
Working with Mark Fazio was a pleasure. He was quick to respond and took every bump in the road with ease and made sure everything got done in a timely manner. I would definitely use Mark again in the future. He’s professional, kind, and efficient.
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