Most people don't realize how much yourcredit history plays a part in their mortgage.

Ensuring you follow thetwo-two-two rule: two trade lines, now a trade line is a credit card, a loan, or a line ofcredit and we want to see those reporting for at least two years with aminimum limit of $2,000 to maximize your score and make sure that you keepbalances at or below 50% of the limit and pay at least the minimum payment dueon or before the due date.

Habitually late payments can affect your score andthe lenders perception of you.

It looks a lot better to the lender when you'vesaved at least a portion of the down payment and when you have a positive networth.