Your credit score isn’t just a number – it’s your golden ticket to homeownership. And right now, lenders are watching it closer than ever.

Before you make any big financial moves, know this: Mortgage lenders will check your credit at least twice – during pre-approval AND just before closing. One wrong step could put your dream home at risk.

Follow these 10 Credit Commandments religiously:

1. Thou shalt not change jobs (stability is king)
2. Thou shalt not buy vehicles (yes, even with “0% APR”)
3. Thou shalt not max out credit cards (keep balances under 30%)
4. Thou shalt not touch closing funds (that money has one purpose)
5. Thou shalt not hide debts (they’ll find everything)
6. Thou shalt not buy furniture (not even after pre-approval)
7. Thou shalt not allow credit inquiries (store cards can wait)
8. Thou shalt not make unexplained deposits (document every dollar)
9. Thou shalt not switch bank accounts (consistency is key)
10. Thou shalt not co-sign loans (not even for family)
    

Remember: These aren’t suggestions – they’re the rules of the game. Break them, and you might be watching your dream home go to someone else.

Need help staying on track? I’ve got your back.