📲 Don’t let bad data or hidden fees cost you your dream home. Download the Made 4 More app for the most accurate listings—without your info being sold. Find the best deals with confidence and get started today!

If you’ve been sitting on the sidelines waiting for the right moment to buy or refinance… this might be it. Interest rates are finally easing, and buyers who were priced out just months ago are jumping back into the game.

But here’s the thing: lower rates only help if your credit profile is ready. Think of your credit like a resume for lenders—the cleaner it looks, the better the offer you’ll get.

The good news? You don’t need a total financial makeover. A few smart moves can make a big difference—fast.

Let’s break it down.

1️⃣ Keep Credit Card Balances Low (Under 30%—Ideally 10%)

Credit utilization is one of the quickest ways to boost your score. Translation? How much of your available credit you’re using matters a lot.

Quick win:

• Aim to keep each card under 30% of its limit
  
  
• Even better? Under 10%
  
  

Example:

If your card has a $1,000 limit, keep the balance below $300—$100 is the sweet spot.

Think of it like carrying luggage. The lighter your load, the faster you move through the airport. ✈️

2️⃣ Don’t Open New Accounts or Make Big Purchases

That “easy monthly payment” furniture deal? The shiny new car? Not right now.

New credit inquiries and new accounts can temporarily ding your score and raise your debt-to-income ratio—two things lenders really care about.

Best practice:

Pause on:

• New credit cards
  
  
• Auto loans
  
  
• Furniture or appliance financing
  
  
• Buy-now-pay-later plans
  
  

Wait until after your loan funds. Delayed gratification pays here.

3️⃣ Pay Every Bill on Time—No Exceptions

This one’s non-negotiable. Payment history is the #1 factor in most credit scoring models.

Missed payments are like red flags waving at lenders.

Quick win:

Set up autopay for at least the minimum payment on every account. It’s like cruise control for your credit—simple and effective.

Bonus: Your Lender-Ready Checklist

Before you apply, make sure you’ve checked these boxes:

✅ Pull a current credit report (all 3 bureaus if possible)

✅ Confirm your utilization and payment history meet lender guidelines

✅ Avoid new debt and keep your cash reserves steady

✅ Gather docs: last 2 years of W-2s or tax returns, recent pay stubs, and bank statements

✅ Have a clear credit game plan for the next 30–60 days

Preparation beats panic—every time.

Thinking About Buying or Refinancing Soon?

If you’re planning a move in the next 30–90 days, now’s the time to get strategic. A little credit cleanup today could mean thousands saved over the life of your loan.

Let’s build a clear plan so when you talk to a lender, you’re walking in confident—and qualified.

📲 Call or text us at 855-935-MORE to get started.