{"id":1991,"date":"2017-11-01T10:00:20","date_gmt":"2017-11-01T10:00:20","guid":{"rendered":"https:\/\/thezakariagroup.com\/thinking-about-buying-know-your-credit-score\/"},"modified":"2017-11-01T10:00:20","modified_gmt":"2017-11-01T10:00:20","slug":"thinking-about-buying-know-your-credit-score","status":"publish","type":"post","link":"https:\/\/thezakariagroup.com\/thinking-about-buying-know-your-credit-score\/","title":{"rendered":"Thinking About Buying? Know Your Credit Score"},"content":{"rendered":"<div>\n<p><img fetchpriority=\"high\" decoding=\"async\" width=\"648\" height=\"354\" src=\"http:\/\/d39ah2zlibpm3g.cloudfront.net\/wp-content\/uploads\/2017\/10\/26120555\/20171101-Share-STM.jpg\" class=\"webfeedsFeaturedVisual wp-post-image\" alt=\"Thinking About Buying? Know Your Credit Score | Simplifying The Market\" style=\"display: block; margin-bottom: 5px; clear:both;max-width: 100%;\" srcset=\"http:\/\/d39ah2zlibpm3g.cloudfront.net\/wp-content\/uploads\/2017\/10\/26120555\/20171101-Share-STM.jpg 750w, http:\/\/d39ah2zlibpm3g.cloudfront.net\/wp-content\/uploads\/2017\/10\/26120555\/20171101-Share-STM-549x300.jpg 549w\" sizes=\"(max-width: 648px) 100vw, 648px\"><\/p>\n<p>Knowing your credit score or getting a recent copy of your credit report is one of the first steps that you can take toward knowing how ready you are to start the home buying process.<span id=\"more-36422\"><\/span><\/p>\n<p>Make sure all the information listed on your report is accurate and work to correct any mistakes. The higher your credit score, the more likely you will be to receive a better interest rate for your mortgage, which will translate into more <em>\u2018home for your money.\u2019<\/em><\/p>\n<p>Many potential buyers believe that they need a 750 FICO\u00ae Score or higher to be able to purchase a home. The truth is that according to <a href=\"https:\/\/static.elliemae.com\/pdf\/origination-insight-reports\/Ellie_Mae_OIR_SEPTEMBER2017.pdf\"><em>Ellie Mae\u2019s Origination Report<\/em><\/a>, over 53% of loans were approved with a FICO\u00ae score under 750 last month!<\/p>\n<h4>Here are some tips for improving your credit score:<\/h4>\n<ul>\n<li>Make payments, including rent, credit cards, and car loans, on time.<\/li>\n<li>Keep your spending to no more than 30% of your limit on credit cards.<\/li>\n<li>Pay down high-balance credit cards to lower balances, and consider balance transfers to free up credit.<\/li>\n<li>Check for errors on your credit report and work toward fixing them.<\/li>\n<li>Shop for mortgage rates within a 30-day period \u2014 too many spread-out inquiries can lower your score.<\/li>\n<li>Work with a credit counselor or a lender to improve your score.<\/li>\n<\/ul>\n<p>Once you know your score, your next step will be finding a lender and getting <a href=\"https:\/\/www.simplifyingthemarket.com\/2017\/06\/27\/pre-approval-should-always-be-your-first-step\/?a=357097-d98bb2836a7be92ba06574347ce699e8\">pre-approved<\/a> for a mortgage. Doing this will ensure that you know your budget before you start looking for your dream home.<\/p>\n<\/div>\n<p class=\"wpematico_credit\"><small>Powered by <a href=\"http:\/\/www.wpematico.com\" target=\"_blank\">WPeMatico<\/a><\/small><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Knowing your credit score or getting a recent copy of your credit report is one of the first steps that you can take toward knowing how ready you are to start the home buying process. Make sure all the information listed on your report is accurate and work to correct any mistakes. The higher your [&hellip;]<\/p>\n","protected":false},"author":101010,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_et_pb_use_builder":"","_et_pb_old_content":"","_et_gb_content_width":"","footnotes":"","jetpack_publicize_message":"","jetpack_publicize_feature_enabled":true,"jetpack_social_post_already_shared":false,"jetpack_social_options":{"image_generator_settings":{"template":"highway","enabled":false}}},"categories":[98,99,101],"tags":[],"jetpack_publicize_connections":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v22.1 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Thinking About Buying? 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