If buying a home is in your future, your credit score is one piece of your financial picture worth paying attention to. A higher score can sometimes help you qualify for different loan options or
Before You Buy a Home, Watch These Credit Moves
Dated: September 22 2026
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If buying a home is in your future, your credit score is one piece of your financial picture worth paying attention to. A higher score can sometimes help you qualify for different loan options or better loan terms, but there isn’t one magic credit score that every homebuyer needs. Different loan programs and lenders can have different requirements.
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Before applying for a mortgage, seemingly routine credit decisions can matter. Opening a new credit card, financing a vehicle, increasing credit card balances, missing a payment, or closing an established account can potentially affect your credit profile. That’s why it can be helpful to talk with a lender before making significant credit changes when you’re preparing to buy.
You don’t need to have perfect credit before starting the conversation. Finding out where you stand can help you understand your options and what, if anything, you may want to work on before buying. A good first step is getting informed, then making a plan based on your individual situation.
Karen Gross, Realtor
270.315.9810
REMAX Professional Realty Group
Karen Gross
Karen Gross – Realtor, RE/MAX Professional Realty Group Serving Owensboro, Daviess County, and surrounding Kentucky communities Since 2014, Karen Gross has been a trusted Owensboro Realtor helping....
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Henderson Audubon Board of REALTORS® All information deemed reliable but not guaranteed. All properties are subject to prior sale, change or withdrawal. Neither listing broker(s) or information provider(s) shall be responsible for any typographical errors, misinformation, misprints and shall be held totally harmless. Listing(s) information is provided for consumer's personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be
All information deemed reliable but not guaranteed. All properties are subject to prior sale, change or withdrawal. Neither listing broker(s) or information provider(s) shall be responsible for any typographical errors, misinformation, misprints and shall be held totally harmless. Listing(s) information is provided for consumer's personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. The data relating
