Cesar Novaes

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Even if you are not buying a home or getting a mortgage currently, it is a good routine to check your credit report periodically to discover signs of identity theft early.

Thoughts on Credit and Getting a Mortgage Two separate buyers with the same income, purchasing the same price home may both be approved by the lender, but they may be charged different interest rates based on their credit scores.

It is natural to be excited and to start acquiring the things you'll need for your new home but be patient and close on the sale first.

Things to avoid before closing on your new home Lenders will continue to check your credit, income and job stability up to just before the closing to see if anything has changed that might affect qualifying.