Credit Tips Archives – Robby Oakes Mortgage

Smart Ways to Strengthen Your Credit Before Buying a Home

May 19, 2026 by Robby Oakes

Your credit profile plays a major role in your ability to qualify for a mortgage and secure favorable loan terms. A stronger credit score can lead to better interest rates, lower monthly payments, and more loan options.

Taking the time to improve your credit before applying for a mortgage can have a lasting financial impact and make the entire homebuying process smoother.

Steps to Take Now to Build Your Credit for a Home Purchase Next Year

October 2, 2024 by Robby Oakes

If you’re thinking about buying a new home next year, there’s one important factor to consider before you start browsing listings–your credit score. A strong credit score can make a huge difference in the interest rates you will qualify for and can also determine your mortgage approval.

Hard Inquiry vs. Soft Inquiry — What’s the Difference?

July 17, 2024 by Robby Oakes

Most people know that your credit score can drop if you miss a payment or have a new collection filed against you. But how about when you apply for new credit? Yes, a credit application will trigger a “hard inquiry” on your report, which can have an impact on your credit score. Here’s what to know about hard inquiries, and how they compare with “soft inquiries.”

Quick Links