There’s no more important time to work on your credit score than when you’re about to apply for a mortgage. Improving your credit can save you a ton of money—we’re talking about thousands of dollars over the life of the loan. Here are the actions you can take that will have a notable impact on your score.
Pay down your credit card balances
Credit utilization is one of the biggest factors in determining your credit score. Your credit utilization should at least be less than 30 percent of your limit, and it’s even better if you can get it below 15 percent. This rule applies to both individual cards and your overall credit limit.
It may even be worthwhile to use some of the cash funds you were planning to use for a down payment to pay off credit card balances.
Do no harm
While you certainly want to improve your score if possible, at the very least you’ll want to keep it steady. Avoid opening new lines of credit if you’re applying for a mortgage in the very near future. This will cause a hard inquiry to show up on your credit report.
Take care of negative items
It’s good practice to check your credit report for negative items a few times a year—you can get one free report from each of the three major bureaus (Experian, Equifax, and TransUnion) per year.
If you find any negative items (collections, late payments, etc.), write a letter to the original creditor. Explain the circumstances that led to the negative item, and request that it be removed from your report. It can be surprisingly effective, and removing a negative item will improve your credit score in a hurry. You can find some good templates for a request letter online.
In addition to that, this home has what all your neighbors wish they had! Your 3 Car Garage! This Garage is Extended, Insulated and Air Conditioned with plenty of storage & cabinets.
The back yard is really great with a blend of fruit trees, plants and cactus. In the middle of it all is a 10 x 16 Gazebo that has a matching tiled roof (matches the house) and pull down shades. Come Relax and enjoy this truly awesome place from which you can appreciate and delight in the ambiance of this back yard. A full length patio with a powerful misting system completes this great home! A true Entertainment Home.
What do you see when you visualize your dream home? We’ll ask you this, as it’s important that we see the same dream. We realize that the very best way to assist our real estate buyers to locate precisely the right home is to put ourselves into our buyer clients’ shoes.
There’s no better time and no better place to start your online home search than right here on this MLS®, Multiple Listing Search page. We’re providing access to every listing for every participating broker in the San Tan Valley, Mesa, Chandler, Queen Creek, Maricopa, Florence, and Gilbert real estate markets. You won’t miss a single listing. 
While you can come to our site’s MLS® search page every day and search for new listings that could be your dream home, there’s a far better and more efficient way to get the job done. Click here and fill out the form on this page, give us a few details about the home you’re looking for, and we’ll create a customized search for you. It will send you email alerts of new listings that match your search criteria as well as price reductions of matching listings so you can watch for bargains.
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