September always feels like a fresh start.

The kids head back to school, the mornings feel just a touch cooler, and many of us take a deep breath and think about what’s next.

If buying a home is on your horizon, this is the perfect time to get your financial house in order—starting with your credit. Whether you’re hoping to buy this fall or just laying the groundwork for next year, your credit score plays a big role in what loan options (and rates!) you’ll qualify for.

Let’s break it down, plain and simple.

Why Does Credit Matter When Buying a Home?

Lenders use your credit score to understand how risky it might be to lend to you. Higher scores usually mean better rates, lower costs, and more loan choices.

Most mortgage programs have a minimum score requirement—usually starting around 580–620—but higher scores open more doors. Even a few extra points can save you thousands over the life of your loan.

5 Ways to Get Credit-Ready for Homeownership

1. Check Your Credit Report for Free

You can get your free credit report from all three bureaus at AnnualCreditReport.com. Look for errors, outdated info, or unfamiliar accounts. If something’s wrong, you can dispute it and possibly see your score rise.

2. Pay Down Credit Card Balances

Your credit utilization ratio (how much you owe vs. your limit) should ideally be under 30%. The lower, the better. Paying down even a small amount can give your score a boost quickly.

3. Don’t Open New Accounts

New credit inquiries can lower your score temporarily, and new accounts can shorten your credit history. Keep things steady and don’t finance anything major (like a car or furniture) until after your mortgage closes.

4. Make Every Payment on Time

Payment history makes up 35% of your credit score. A single missed payment can have a big impact. Set reminders or use auto-pay to stay on track.

5. Talk to a Local Lender Early

One of the best ways to prepare is to have someone review your credit and offer guidance based on your unique situation. That’s where I come in. I can help you know what to focus on and when to act.

FAQs About Credit and Buying a Home

Q: What credit score do I need to buy a home in Georgia or Florida?

A: It depends on the loan program. FHA loans allow scores as low as 580, while conventional loans typically require 620 or higher. But the better your score, the better your options.

Q: Will checking my credit hurt my score?

A: No—checking your own credit report is a “soft” inquiry and doesn’t affect your score.

Q: Can I still qualify with past credit issues?

A: Yes! Life happens. Late payments, medical debt, or collections don’t automatically disqualify you. Let’s look at the full picture together.

September is a season of new routines and fresh starts. If buying a home is part of your next chapter, a little prep work now can make all the difference later. I’d love to help you get credit-ready, confident, and on the path to homeownership.

Let’s take that first step together.
Visit www.SpringHenry.com to learn more.