![]() Work with a credit counselor: If credit scores are too low for the type of loan and home a buyer wants, then the next step is to get in touch with an approved credit counselor and start a plan to improve scores. “If you’re giving that lender time to pull credit and look at income, you might find something that is a surprise you can fix now rather than fix later,” said Josh Osborne, mortgage loan officer with The Osborne Group. Start with a free site like CreditKarma, then go see a broker. Get a credit check: Credit scores can be incorrect or a ding that has been fixed could not yet be corrected on credit reports because of lags from the pandemic. ![]()
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