3 Simple Tips for Boosting Your FICO Credit Score Before Applying for a Mortgage

There are a variety of factors that are involved in getting your mortgage approved, but few things will have more of an impact than your FICO score and the credit history that goes along with it. Instead of leaving your score up to chance when submitting your application, here are a few ways that you can boost your financial well being and leave your credit score better off than it was before.

Put More On Your Card

It’s important to put purchases on your credit card that you can afford to pay off consistently, but many people are not aware that how much debt you owe can actually positively contribute to your credit score. While it’s good to use up to 30% of your available debt load, a significantly higher percentage than this can be a signal to lenders that you are experiencing financial difficulties. By putting everyday items on credit, it will be easier to give your score an instant boost.

Clear Your Credit History

Many people who think they have bad credit are too afraid to even review it, but it’s very important to take a look at your credit history when it comes to taking control of your finances and your FICO score. If there happens to be incorrect information on your credit report, this will enable you to contact the appropriate lenders and dispute the charges so they can be corrected prior to your mortgage application. It may not seem significant, but this can actually have a marked impact on the outcome of your application.

Make Your Payments On Time

It’s often the case that those who are struggling with debt may push away the bills altogether and give up on the minimum payment, but it’s very important that the minimum is made to keep your financial health in check. It may take a few months to see the results of putting down this amount before the due date, but it will improve your credit over time and forge good habits for the future.

Your credit score is an important aspect of determining your financial health for lenders, and this means that your credit history is of significant importance when it comes to your mortgage. Instead of leaving it up to chance, ensure that you’re making the minimum payments and correct any discrepancies in your credit report.

If you’re currently in the market for a home and are considering your options, give me a call for more information – J.P. Cook – 602-320-4253.

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48008 N 520th Avenue Aguila, AZ 85320

$460,000

3 Beds

2 Baths

1,584 SqFt

Status Active

MLS # 6648747

Property Type Single Family Residence

Price Type --

Discover the enchanting skies adorned with stars at the incredible Fantastic Airpark property. Equipped with a hangar for your planes, RVs, and various toys, this residence is situated in Aguila within the Valley of the Eagle Flight Park. The kitchen boasts beautiful custom Knotty Alder cabinets, adding a touch of elegance. With three bedrooms and two baths, the property spans approximately 7 acres, featuring covered patios on either side to cater to all your outdoor activities. The bedrooms are thoughtfully soundproofed for peaceful nights free from snoring disturbances. The property is serviced by Aguila water, propane, and septic facilities. Building permits for the hangar are readily available. you won't be disappointed.

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22348 N Braden Road Maricopa, AZ 85138

$460,000

5 Beds

3 Baths

2,912 SqFt

Status Active

MLS # 6654144

Property Type Single Family Residence

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This remarkable home is situated in the renowned golf community of Rancho El Dorado, offering a high-end resort ambiance with scenic walking paths, serene lakes, and a variety of dining options and nearby shopping. Located in the ever-growing areaof Maricopa, this Adorable 5 Bed/3 full Bath home is move in ready! Open floor concept, with spacious backyard, landscaped with beautiful green grass, perfect for entertaining! Upstairs features a loft with built in desks and entertainment area. Located near shopping and amenities.

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9322 W Oregon Avenue Glendale, AZ 85305

$460,000

3 Beds

2 Baths

2,145 SqFt

Status Active

MLS # 6659752

Property Type Single Family Residence

Price Type --

This home is located in the Westgate Entertainment District and features A 3-bedroom + Den and 2 bathroom. This home is perfect for entertaining with a Large open floor plan including a Living and Family Room. Gourmet Kitchen with dark oak cabinets, granite countertops and large Island, Caffe Refrigerator, Frigidaire Double oven, microwave and dishwasher. Walking through the home you will love the tall ceiling with classy two-toned paint and 8ft. door. The Primary bedroom has an inviting double door entry and larger walk-in closet. The primary bathroom has separate tub and shower, 2 private raised vanities with pendent lighting. The additional bedrooms are generously sized with walk-in closets. The exterior of the home has an extended paver drive to the RV gate and mature landscape. Just minutes to the Loop 101, Westgate with all it has to offer including shopping, dining and night life activities not to mentions all the sporting options like The State Farm Stadium, Gila River Arena and various sports training facilities nearby. Coming Soon is the 60-acre VAI Resort with hotels and entertainment destinations in Arizona scheduled to open in 2024.

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21233 N 30th Avenue Phoenix, AZ 85027

$460,000

3 Beds

2 Baths

1,750 SqFt

Status Active

MLS # 6659219

Property Type Single Family Residence

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Beautiful north Phoenix home in a great location! Luxury vinyl plank flooring and new interior paint provide a bright, neutral landscape for you to personalize. An Arizona room makes a perfect sitting area with it's own mini split, office or gym space. Backyard with grass, patio and paved sitting area. White cabinets in the kitchen and new fixtures have modernized this great home. No neighbors behind, backs to grass field. Additionally, the inclusion of solar panels- OWNED, new Ecobbe thermostat and a Tesla charger highlights the home's commitment to sustainability and modern technology, offering both energy efficiency and convenience for electric vehicle owners. Overall, this property presents an appealing combination of comfort, style, and practicality.

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