It is very important for you to get a copy of your credit report which once a year is free. You need to go through it thoroughly and check for errors.
There was someone on the news this morning that had applied for a mortgage and received an interest rate a little higher than it should have been because his credit report was wrong and ultimately affected his credit score. This, in turn, gave him a higher percentage on his mortgage.
He had it corrected and over the life of his mortgage (30 years) will be saving $139,000.
At least once a year check your credit report and if you are applying for a mortgage, do this first.
I am going to order mine now.
You know this is the time to buy so check your credit report, get pre-approved and call your realtor! We sell in Hernando County (Spring Hill, Brooksville and Weeki Wachee) and are very busy because this is the time for deals and great interest rates.
We will always keep you posted.
Have a great day and enjoy!