"Lenders are looking for two years or more of paying on time without late payments. It's also critical to keep credit card balances low; ideally, you want a credit score of 700 or more, but lenders will still collaborate with you even if you have a score closer to 640."
"Debt is the biggest obstacle to achieving your desired credit score and financial goals. A soft pull of your credit score can help you increase it without a hard pull lowering your score temporarily. Preapproval is crucial before making any significant financial decisions."
"Becoming educated by a realtor and prequalified by a lender is critical to compete in this housing market. Interview at least three realtors and keep looking until you find the one that aligns with your values."
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