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Credit Homebuying Article

Credit’s Role in the Homebuying Process

Read time 2 minutes

Your credit history — the amount and type of debt you have, plus how you repay it — plays a key role in helping you qualify for a mortgage.

Many first–time buyers are unsure what their credit history reveals and how it affects their ability to qualify for a mortgage. Your HomeStreet loan officers are experienced and can walk you through the process of evaluating your credit. Call your Hometown Hotline for a free consultation.

Warning: Beware of agencies offering "quick fixes" or that charge money to clean up your credit report. You can work toward better credit on your own. There is no fast and easy way to improve your credit score. Time, patience and persistence are the keys to improving your score.

How Your Credit Score Is Determined


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IMPORTANT: Hometown Program and Inside Edge mortgage benefits cannot be accessed from a HomeStreet branch or home loan center. These benefits can only be accessed through one of our specialized Affinity Loan Officers.

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