
Your Credit Score and Your Path to Homeownership
Are you dreaming of owning a home in sunny Imperial Beach? Your credit score plays an important role, but here’s the good news: You don’t need perfect credit to make that dream come true. Deborah and her team are here to provide the guidance and support you need every step of the way.
Debunking the Perfect Credit Myth
Keeping Current Matters reports that many potential buyers overestimate the credit score required to qualify for a loan. According to Fannie Mae, only 32% of homebuyers truly understand what lenders look for. The truth is, there is no universal score lenders require.
As FICO explains:
“There is no single ‘cutoff score’ used by all lenders, and there are many additional factors that lenders may use.”
This means you may still qualify for a home loan even if your credit score isn’t as high as you’d like. Lenders evaluate your overall financial picture, so don’t let concerns about your credit score hold you back from starting your journey. Consulting with a trusted lender is a vital step in the home-buying process.

Steps To Boost Your Credit Score
Want to strengthen your credit score and expand your options? Here are a few tips:
Stay on Top of Payments
Paying bills—from credit cards to utilities—on time builds trust with lenders and positively impacts your credit.
Tackle Debt
Paying down outstanding balances improves your credit utilization ratio and makes you a more appealing borrower.
Avoid New Credit Accounts
While it might be tempting to open new credit, too many applications can temporarily lower your score. Focus on managing your current accounts instead.
Moving Forward With Confidence
At Radiant Realty, we believe that your credit score is just one piece of the puzzle. With the proper guidance and a trusted lender, you can navigate the process and achieve your goal of homeownership—even if your credit score isn’t perfect.
Remember, the first step is to talk to a lender and see where you stand. From there, you’ll better understand your options and the path ahead.
Contact Deborah Vance today if you’re ready to start your homebuying journey in Imperial Beach. We’re here to help you every step of the way!
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