Keep your credit consistent

Credit score changes are the last thing a lender wants to see. Even slight changes to your credit score can increase your loan costs.

Make your payments. This is obvious, but it still must be said: keep making all your payments on time. Your credit report can be pulled again. Any missing payments could have a huge negative impact on your score and eligibility.

Avoid credit purchases. Using your credit, even putting a small appliance or short vacation on a credit card, can lead to a lower score. If your credit is strong enough, you will likely be fine, but it’s a risk not worth taking.

Give me a call to discuss credit or any of your other mortgage related questions.



Omar Khamisa
Mission San Jose Mortgage
2111 W. March Lane, Suite B100
Stockton, CA 95207
Office: 209-651-2000
Mobile: 510-648-5535
Fax: 209-434-2311
NMLS: 369325


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