Rates change daily — compare options before you lock.Tip: Use the MLS Monthly Cost tool before you tour homes.Grants may reduce upfront cash needed — check eligibility.New Construction: ask about rate buydowns + closing cost credits.Paying just a little extra can save thousands in interest.Shop insurance early — it can change your payment a lot.HOA fees can change affordability — confirm monthly/annual costs.Ask about assumable mortgages — you may inherit a lower rate.Sellers: estimate net proceeds before you list.Buy before you sell? Compare the timing. Rates change daily — compare options before you lock.Tip: Use the MLS Monthly Cost tool before you tour homes.Grants may reduce upfront cash needed — check eligibility.New Construction: ask about rate buydowns + closing cost credits.Paying just a little extra can save thousands in interest.Shop insurance early — it can change your payment a lot.HOA fees can change affordability — confirm monthly/annual costs.Ask about assumable mortgages — you may inherit a lower rate.Sellers: estimate net proceeds before you list.Buy before you sell? Compare the timing.

Credit Score Improvement Roadmap | HomesCalculator.com Skip to main content

Credit Score Improvement Roadmap

If your credit score is not where you want it, you are not alone. This page gives practical steps to improve credit and become mortgage-ready. This is educational information only. We do not provide credit repair services for a fee on this site.

First-Time Buyer Guide DTI Pre-Check Dispute Templates

Step-by-step roadmap

Get your reports from all bureaus and review for accuracy.
Reduce utilization (credit card balances compared to limits). This often helps quickly.
Avoid new debt right before applying, unless part of a strategy we discuss.
Dispute true errors (not accurate debts). Use documented disputes and keep records.
Build positive history (on-time payments, stable accounts, low utilization).

If you are not sure what is hurting your score

Tell us what you see and we will suggest a practical plan. Expect a call from 352-988-4900 or 407-347-3420.