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4 Tips To Help Improve Your Credit Score

Excited couple walking into new home with no furniture

What is a credit score and how can it affect your homebuying journey? A credit score is a number that represents your credit risk. Credit scores can range from 300-850, and a higher credit score not only improves your ability to qualify for a mortgage, but it can also deliver a better rate. As you are looking for a new home, be sure to keep your credit in check. Check out these four tips that may help improve your credit score. Before you start on your house-hunting journey, shop with confidence and get pre-qualified in minutes and pre-approved within the next business day so you know what’s in your budget.

Here Are Some Tips To Consider:

House icon orange with #1Your Bills
Paying all your bills on time is one of the easiest ways to boost your credit score. This includes making your credit card payments, utilities, medical bills, and any other payments you may have on time.

House icon orange with #2Credit Cards
Be sure to keep your credit card balances low. Having a low balance while regularly using your credit cards may improve your credit score.

House icon orange with #3Past Payments
Clear up any past due payments on your record and double-check your credit report to ensure accuracy.

House icon orange with #4Co-signers
If you’ve co-signed on any other loans, know that your credit can be affected by any late or missed payments on that account.

Don’t know where you stand? Contact one of our Home Loan Experts at 877.785.5422 to get a free credit checkup. Most credit card companies also give you monthly updates on your credit scores as one of their account-holder benefits.

Looking to start your journey to your new home? The options and benefits available may surprise you!

Get Started Today With:

Various Loan Options
Find the right home loan for your unique goals and financial situation.
Expert Guidance
Our Home Loan Experts are here to help by sharing their knowledge and setting you up for a successful process from application to close, throughout the life of your loan, and well into the future as your trusted partners.
Pre-Approval
Before you have found your dream home, get pre-approved for FREE. Once all information is submitted, we will provide your pre-approval details within the next business day.
Mortgage Checkups
Monitor and update your home loan as your mortgage needs and goals change over time.
Get Extra Savings
Save $750 on all your new home purchase loans with your AmeriPurchase+ Benefits.*
Cash Rewards
Earn additional savings with credits of 0.5% on the new home purchase price when you work with our Real Estate Concierge, NewZip.¹ For example, if the home purchase price is $425,000, you could be saving $2,125 on your new home!

We can help guide you through every step of the home financing process. To get started, just give us a call at 877.785.5422 or get your instant rate quote here.

Imagine The Possibilities With Your Better Home Loan!

*As a member of the AmeriHome family, borrowers are part of the AmeriWallet Rewards program. If you completed a home loan with us once, you will qualify for a $750 lender credit for all of your future refinances or home purchases done with AmeriHome, for any property you own. To qualify for this offer, you must have previously financed the purchase of a home or refinanced with AmeriHome. You have financed with AmeriHome when AmeriHome Mortgage Company, LLC appears on the previous Promissory Note for your loan, and you are listed as a borrower on the Note. Credits will be applied only if your loan closes with AmeriHome. This offer can not be combined with any other offers and is not applicable for FHA Streamline, or VA IRRRL Refinance transactions. Other restrictions may apply. Terms and conditions are subject to change. AmeriWallet Rewards program is subject to termination without notice.

**Home buyers who utilize Newzip’s agent matching service will receive the cash reward in the form of credit at closing equal to 0.5% of the home sale price. In the event that the cash reward exceeds the concessions limit the customer will receive the reward in the form of a check within 30 days of their closing date. Home sellers who utilize Newzip’s agent matching service will save 1% in the form of a pre-negotiated agent listing fee. Obtaining a mortgage from AmeriHome is not required to utilize the Newzip cash rewards program. The cash rewards program is available in all 50 states for selling and 42 for buying. The following states do not allow cash rewards for home buyers: Alaska, Iowa, Kansas, Mississippi, Missouri, Oklahoma, Oregon, or Tennessee. Realeaux Inc. (dba Newzip) is a licensed real estate brokerage based in Massachusetts, License #423451.

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    ©2024 AmeriHome Mortgage Company, LLC, A Western Alliance Bank Company. Branch Office located at 17885 Von Karman Avenue, Suite 100, Irvine, CA 92614. NMLS #135776; AZ d/b/a AmeriHome Funding, LLC #0917700; California Licensed by the Department of Financial Protection and Innovation, under the California Residential Mortgage Lending Act #4131116; Licensed by the N.J. Department of Banking and Insurance; Rhode Island Licensed Lender. For licensing information, go to: www.nmlsconsumeraccess.org. Not all applicants will qualify. Not available in all areas. Other terms, conditions, and restrictions apply. No goods or services are intended to be offered to users in the EU. Equal Housing Lender.

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