Mortgage lenders rely heavily on your credit score to evaluate your
qualifications for a home loan because your score indicates how you have handled credit in the past, which serves as a predictor
of your future repayment pattern.
Rather than guess at your credit profile, you need to request your credit
report. Once you receive it, you can then fix any errors and take steps to improve your score with improved financial
behavior before applying for a mortgage loan.
A lender can help you determine which steps will boost your credit
score fastest, but depending on your situation it could take at least several months to even a year before
you can push your credit score high enough to qualify for the lowest interest rates on a conventional loan.