6 Signs You’re Credit-Ready to Start the Homebuying Process
Wondering if you’re ready to start looking for a home? These six signs will tell you if your credit is strong enough to take the next step.
Look for a credit score above 620, no recent late payments or derogatory marks, a low debt-to-income ratio, established accounts in good standing, and at least 3 to 6 months of positive credit activity. These markers show you’re financially prepared.
You don’t want to start house hunting too early or too late. Recognizing these signs helps you act with confidence and avoid setbacks.
When you meet these benchmarks, it’s time to connect with a lender and take action. You’re closer to owning a home than you think.
