Your credit score isn't used to evaluate your financial resources; it is used to measure how much of a risk you are in paying back the loan. It looks at your credit habits, practices, and choices. And it watches how you spend money. If you are a good credit manager, your score will show it.

Most people think that married couples have a combined credit score but they do not. All scores are individual so you can apply for and be evaluated separately from your spouse.

If your credit score is in the low 600s, you may be denied mortgage credit as a matter of practice. A credit score above 700 will usually qualify you for the lowest available rates in today's market.

You'll want to maintain good credit and keep your score within a favorable range while home shopping. I can help you by arranging for a credit report and pre-qualifying you for a loan.