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Updated on Jun. 13, 2026

High credit utilization can lower your credit score and affect FHA mortgage approval. Learn what lenders review and the utilization ratios that matter most.

Updated on Jun. 13, 2026

Credit repair improves your VA loan approval odds by addressing collections, late payments, and reporting errors. Learn what lenders review before approval.

Updated on Jun. 06, 2026

Paying off debt before applying for a mortgage can help, but not always. Learn what lenders actually review and which debts matter most during underwriting.

Updated on Jun. 02, 2026

Can you terminate a mortgage early? Learn about prepayment penalties, payoff costs, credit score impact, and the smartest ways to pay off a mortgage.

Updated on May. 16, 2026

Yes, you can buy a house with a repo on your credit. Learn how repossessions affect mortgage approval, waiting periods, and loan options.

Updated on May. 08, 2026

What are the requirements to buy a house for the first time? Learn credit score, income, down payment, debt ratio, and lender requirements.

Updated on May. 08, 2026

Minimum credit score to buy a house in California starts as low as 580 for FHA and 620 for conventional. Learn what lenders actually approve.

Updated on Apr. 29, 2026

Got approved for pre-mortgage then denied at closing? Learn what changed, common lender red flags, and what may still be fixable.

Updated on Apr. 23, 2026

The 28/36 rule limits housing to 28% of income and total debt to 36%. This guide explains how to calculate and apply it to your budget.