flgaland@gmail.com
    (386) 243-0124

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How to Get Your Credit Report Before You Apply for a Mortgage Loan

How to Get Your Credit Report Before You Apply for a Mortgage Loan

If you’re going to apply for a mortgage loan, you’ll need to know what your credit looks like first – that way, you can take steps to clean it up or dive right into the application process.

Either way, you have to start somewhere. Here’s how to get your credit report before you apply for a mortgage loan.

How to Get Your Credit Report Before You Apply for a Mortgage Loan

Experian, Equifax and TransUnion are the three major U.S. credit bureaus. Each has its own credit scores and reports. Typically, lenders look at your FICO® score before making a lending decision (but more on that later).

The Federal Trade Commission requires the three major credit bureaus to give you a copy of your credit report once a year, upon request. You can access your credit reports through AnnualCreditReport.com, the only authorized website for free credit reports. These reports do not include your credit score – they just show you what accounts you have open and your balances owed.

You should also sign up for a site like Credit Karma, which lets you monitor changes to your credit report each week. (You’ll have to look past all the “You qualify for this credit card now!” ads, but it’s definitely worth it.) Credit Karma shows you your credit scores, as well as all your open accounts and balances owed.

Your FICO Score

Lenders most commonly use your FICO (Fair Isaac Corporation) score to evaluate your creditworthiness. Five factors determine your FICO score:

  • Payment history (worth 35% of your score)
  • Amounts owed (worth 30% of your score)
  • Length of credit history (worth 15% of your score)
  • Credit mix (worth 10% of your score)
  • New credit (worth 10% of your score)

You can get your FICO score from many credit card companies (including Discover, American Express®, Citibank®, Chase and Walmart credit cards), but the catch is you must have an account. You can also get your FICO score from your bank, if you bank with Bank of America, Ally Bank or a credit union. Check with your financial institution to see if it offers your FICO score, even if you don’t see it listed here.

Are You Selling or Buying a Home for Sale in Lake City?

If you’re selling a home in Lake City, we’re the local experts. We know how to market your home aggressively and bring in qualified buyers, and we’d love to help you sell quickly and at the right price.

If you’re moving to Lake City, we can help you find the perfect place to live. Call us at 386-243-0124 to tell us what you want from your home and we will begin searching right away.

In the meantime, check out the most popular Lake City home searches by exploring the links below.

  • Waterfront residential in Lake City
  • Waterfront land in Columbia County
  • Bank-owned homes and foreclosure in Columbia County
  • Short sales in Columbia County
  • Paved road frontage for sale in Columbia County
  • Non-deed-restricted land for sale in Columbia County
  • Wooded oak tree land for sale in Columbia County
  • Land-for-land home combo in Lake City

 

 

Posted in: Blog, Buyers, Buying, Credit, Mortgages Tagged: AnnualCreditReport.com, Applying for a Loan, Buying a Home, Credit, Credit Report, Credit Score, Federal Trade Commission, FICO Score, FTC, Mortgage, Mortgage Loans, Mortgages

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North Florida Land for Sale

(386) 243-0124

flgaland@gmail.com

Office: (386) 243-0124
250 NW Main Blvd #75
Lake City, Florida 32055

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Search Smarter

Did you know the hottest North Florida land for sale often sells within days of being listed? Don't miss out! Set up your own custom property alert so you can be notified of the newest land as they hit the market! Simply click the button below and choose the types of North Florida land you are looking for and save your search to start getting alerts today!

New Property Alerts

As a local expert, I also have access to North Florida land for sale before it hits the market and can show you more information that is only accessible in the MLS. If you would like to set up a time to go over your real estate needs, please free to contact me contact me at your convenience. There is no obligation and or pressure... I hope to hear from you!

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