Credit is one part of your application.
Understand how credit, debt obligations, income and assets work together in a mortgage review.
Talk through your optionsA score is not the whole decision
Mortgage review considers more than a single credit score. Your credit history, recurring debt payments, verified income, available assets, property and loan program can all affect the outcome.
Different products have different requirements. Avoid treating a general score threshold found online as a guarantee that a specific loan will be available to you.
Prepare thoughtfully
- Review your credit information and address errors through the appropriate reporting channels.
- Keep payments current and understand your recurring obligations.
- Discuss planned purchases or new credit before applying.
- Be ready to explain recent changes in employment, income or debt.
- Ask the lender how debts and qualifying income are being evaluated.
During the mortgage process
A new car loan, a large credit purchase or a change in employment can affect the application. Even if a monthly payment seems small, ask before making a change while a loan is in progress.
Get a specific answer
Contact Harman to discuss your goals and the information needed for a meaningful review. You do not need a perfect financial story to begin asking useful questions.
FURTHER READING
CFPB: Prequalification and preapproval CFPB: Understanding conventional loansGeneral educational information. Your loan’s requirements and terms must be confirmed for your application. Content reviewed November 4, 2026.