Step One – Check Your FICO Credit Score

Before speaking with a lender, check your FICO credit score at myfico.com. This package includes your scores from all three major credit bureaus.

• Understand your loan eligibility
• Avoid unnecessary credit inquiries that may lower your score
• Ask lenders about their FICO score requirements

Your credit score plays a key role in determining your interest rate—so being prepared pays off.

Step Two – Get Prequalified

Shop around for mortgage lenders and set up a consultation. During your meeting, a lender will:

• Review your income, debts, and financial picture
• Help you determine how much home you can afford
• Discuss which loan options may suit your needs

Step Three – Get Pre-Approved

Once you're ready, complete a loan application. The lender will verify your information and run your credit. You’ll then receive a pre-approval letter—typically subject to the appraisal of the home you choose.

• Shows sellers you’re serious and qualified
• Strengthens your offer during negotiations
• Speeds up the loan approval process