If you're thinking about buying a home, your credit score plays a crucial role in what you can afford — and what kind of loan you can get.
The good news? Even modest improvements to your credit can make a significant difference.
Here's how Katie Roberts, a trusted Realtor serving Centerville, Dayton, and surrounding Ohio areas, helps her clients understand and boost their credit before they begin house-hunting.
Your credit score affects:
A higher score typically means lower monthly payments — saving you thousands throughout your loan term.
Most lenders look for:
If you're unsure where you stand, Katie recommends checking your score through a free service or consulting a trusted lender early in the process.
Even a single late payment can damage your score. Set up reminders or automatic payments to stay consistent.
Aim to keep your credit card usage below 30% of your available limit — ideally even lower.
Each new credit application temporarily lowers your score. Wait to open new cards or finance major purchases until after closing.
Review your credit report for inaccuracies — such as accounts you don't own or incorrect balances — and dispute them promptly.
Credit history length matters. Maintain older accounts (even if rarely used) to support your score.
Some changes, like reducing balances, can boost your score within a month or two. Other factors, like establishing a longer payment history, require patience.
That's why Katie encourages her clients to begin preparing early, even if they won't be buying for several months.
Improving your credit is just one piece of the homebuying puzzle — but you don't need to navigate it alone.
Reach out to Katie Roberts today for a no-pressure conversation about your homeownership goals. She'll connect you with trusted local lenders, help you outline your next steps, and guide you confidently toward your dream home.
