Make sure you do your homework before applying for a mortgage.

2. Get a Credit Report

Getting a mortgage doesn’t require perfect credit, but it does require that you not have any big marks against you on your credit report. Getting a free copy of your credit report will give you the chance to see what is on there before a potential lender does.

If there is anything on your report that you think shouldn’t be there, start making phone calls and sending emails to try to get it off of your credit. If there are any open accounts, like from old credit cards, close them. Little changes like that can help boost your credit report.