Tag: credit

Don’t Let a Credit Slip Delay Your Dream Home Closing

You’ve found the one, inspections are done, and you’re just weeks (or days!) away from closing on your new home in Houston, Sugar Land, or The Woodlands. 🎉 Now’s the time to stay laser-focused — because even tiny credit missteps can throw a wrench in your mortgage approval.

Here’s how to protect your credit like a pro while you’re in the home stretch. 🏡💳

✅ Do This to Keep Your Mortgage on Track

1. Make All Your Payments On Time

Keep paying your bills (especially credit cards, car loans, and student loans) like clockwork. Even one late payment can ding your score or raise a red flag for your lender.

2. Keep Using Your Cards Normally

Don’t go overboard — or ghost your accounts. Keep using your credit cards like usual. Big changes in spending can signal risk to your lender.

3. Communicate With Your Lender

If anything unexpected happens (job change, financial emergency, large deposit), tell your lender ASAP. They can guide you through next steps without derailing your approval.

❌ What NOT to Do Before Closing

1. No New Credit Cards or Loans

Now’s not the time for that furniture store card or car upgrade. Opening new accounts can affect your debt-to-income ratio and credit score — two things your lender definitely rechecks before closing.

2. Don’t Close or Merge Accounts

Thinking about consolidating cards? Hold off. Changes to your credit limits or account history can lower your score or raise red flags.

3. Wait to Pay Off Old Debts or Collections

Unless your lender tells you otherwise, don’t start clearing old debts. Some collections, when paid, can temporarily lower your score. Let your mortgage pro guide you here.

📍 Houston Area Buyers: Why This Matters More Here

With competitive housing markets in Sugar Land and The Woodlands, delays can cost you the home of your dreams. Sellers may walk, rates could change, or closing costs may increase. Don’t risk it — protect your credit and stay mortgage-ready!

👋 Final Thought: When in Doubt, Reach Out!

Buying a home is exciting, but the final stretch can be stressful. If you’re unsure about any financial move — big or small — just ask. I’m here to guide you and help you cross the finish line smoothly. 🏁

📞 Let’s connect today and make sure you’re on track to close on time!

Internal Links:

First-Time Homebuyer Tips in Houston What to Expect During Your Final Walkthrough

External Links:

Consumer Financial Protection Bureau: Understanding Your Credit Score

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