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 by shopping your purchase or refinance file across multiple wholesale lenders — not a single bank's product menu.
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.