Credit
How to Improve Your Credit Score Before a Mortgage Application
By Yahia Nour Eddine KenouchePublished on March 10, 2026 5 min read
A file that gets approved quickly is a file that was prepared. Here are the levers that matter most.
Protect your credit score
Pay on time, keep card utilization below 30% and avoid multiple credit applications in the months before you apply.
Stabilize your income
Job tenure, or two years of declared income if you're self-employed, reassures the lender.
Reduce monthly obligations
Paying off a small car loan or a card balance can free up tens of thousands of dollars in borrowing capacity.
