Steven Padilla

You need excellent credit to get a home loan.Know your credit rating is. Fix your credit report's mistakes and work hard to improve you FICA score. Consolidate your debts so you can pay less interest charges and more towards your principle.

Clean up your credit before you look for a loan. Lenders today want people with excellent credit. They want some incentive which assures them you will be repaid. Tidy up your credit before you apply for a mortgage.