Credit & DTI
How can I improve my credit score before applying for a mortgage?
Context
A slightly higher credit score can meaningfully change your loan pricing tier.
The short answer
Pay every bill on time, lower credit-card balances to reduce utilization, avoid opening or closing accounts right before applying, and dispute genuine errors on your report.
Things to keep in mind
Even a small score increase can improve your pricing tier, but results vary by starting profile.
Next step
Do not make big moves without guidance — DMF can review your report and flag the changes most likely to help your file.
Have a question about your own situation?
DMF serves Minnesota homebuyers and homeowners. We submit your purchase or refinance file to multiple wholesale lenders and compare what each one offers, so your pricing is not limited to one lender's rate sheet.
Davis Monroe Financial, LLC is a mortgage broker, not a lender. We do not make credit decisions or fund loans. Rate locks are issued by the lender; we submit and manage lock requests on your behalf. All loans are subject to credit approval. Rates and terms are subject to change without notice.