Credit to Keys - Your 12-Month Credit Prep Plan for Homeownership

Buying a home starts long before showings and offers. The strongest buyers prepare quietly, months in advance.

A simple credit-focused roadmap:

• 12 months out: Review credit reports and dispute errors

• 9 months out: Pay down revolving debt strategically

• 6 months out: Avoid new credit and large purchases

• 3 months out: Maintain stability and consistency

Key habits to lock in:

• Automate minimum payments

• Keep balances low, even after payoffs

• Monitor credit monthly

• Ask questions before making changes

The goal isn’t just approval. It’s approval on terms that make homeownership comfortable and sustainable. Preparation turns the mortgage process from stressful to predictable—and predictable wins.

Credit to Keys - Your 12 Month Credit Prep Plan for Home Ownership

Justin Riggan, Realtor & Mortgage Loan Originator

Keller Williams Synergy - The Wells Team

Orca Home Loans LLC

NMLS #2013527 TREC #0782376