Recent Data Suggests You Shouldn’t Spend Another Dime on Home Improvements Before Speaking With a Local Real Estate Agent

What Credit Score Do You Really Need To Buy a Home? According to Fannie Mae , 90% of buyers don’t actually know what credit score lenders are looking for, or they overestimate the minimum needed. Let that sink in. That means most homebuyers think they need better credit than they actually do – and maybe you’re one of them. And that could make you think buying a home is out of reach for you right now, even if that’s not necessarily true. So, let’s look at what the data really says about credit scores and homebuying. There’s No One Magic Number There’s no universal credit score you absolutely have to have when buying a home. And that means there’s more flexibility than most people realize. Check out this graph showing the median credit scores recent buyers had among different home loan types: Here's what’s important to realize. The numbers vary, and there’s no one-size-fits-all threshold. And that could open doors you thought were closed for you. The best way to learn more is to talk to a trusted lender. As FICO explains : “While many lenders use credit scores like FICO Scores to help them make lending decisions, each lender has its own strategy, including the level of risk it finds acceptable. There is no single ‘cutoff score’ used by all lenders, and there are many additional factors that lenders may use . . .” Why Your Score Still Matters When you buy a home, lenders use your credit score to get a sense of how reliable you are with money. They want to see if you typically make payments on time, pay back debts, and more. Your score can impact which loan types you may qualify for, the terms on those loans, and even your mortgage rate. And since mortgage rates are a big factor in how much house you’ll be able to afford, that may make your score feel even more important today. As Bankrate says: “Your credit score is one of the most important factors lenders consider when you apply for a mortgage. Not just to qualify for the loan itself, but for the conditions: Typically, the higher your score, the lower the interest rates and better terms you’ll qualify for .” That still doesn’t mean your credit has to be perfect. Even if your credit score isn’t as high as you’d like, you may still be able to get a home loan. Want To Boost Your Score? Start Here And if you talk to a lender and decide you want to improve your score (and hopefully your loan type and terms too), here are a few smart moves according to the Federal Reserve Board: Pay Your Bills on Time: This is a big one. Lenders want to see you can reliably pay your bills on time. This includes everything from credit cards to utilities and cell phone bills. Consistent, on-time payments show you’re a responsible borrower. Pay Down Your Debt : When it comes to your available credit amount, the less you’re using, the better. Focus on keeping this number as low as possible. That makes you a lower-risk borrower in the eyes of lenders – making them more likely to approve a loan with better terms. Review Your Credit Report : Get copies of your credit report and work to correct any errors you find. This can help improve your score. Don’t Open New Accounts : While it might be tempting to open more credit cards to build your score, it’s best to hold off. Too many new credit applications can lead to hard inquiries on your report, which can temporarily lower your score. Bottom Line Your credit score doesn’t have to be perfect to qualify for a home loan. But a better score can help you get better terms on your home loan. The best way to know where you stand and your options for a mortgage is to connect with a trusted lender.​

Real estate agents often joke that the best way to guarantee something big happens with a client is to plan a vacation. The minute their out-of-office email is set, sellers decide to list, buyers find their dream house, and offers start flying. But it’s not just agents. If you’re in the middle of buying a home, odds are that as soon as you finally book that much-needed vacation, the perfect property will hit the market—or your lender will suddenly need one more document before they can clear your file. So, what do you do if you’re house hunting—or already under contract—and also have a trip on the calendar? Cancel everything and put life on hold? Not at all. With a little planning and coordination, you can keep your transaction moving while still getting the break you deserve. Here’s how to juggle both without losing sleep—or the house of your dreams. Choose the Right Agent (And Empower Them) If you’re going to be out of town, your real estate agent becomes even more important than usual. You need someone who knows your preferences inside and out, can jump on new listings quickly, and is comfortable communicating across time zones and tech platforms. During the search phase, that might mean giving you a live FaceTime tour from a showing or sending over detailed videos. Once you’re under contract, it means staying on top of every little detail and making sure the transaction doesn’t lose momentum while you’re away. If you haven’t found the right agent yet, don’t wait until you’re packing your bags to start looking. The earlier you establish that relationship, the smoother things will go when you need them to step in on your behalf. Line Up the Rest of Your Team in Advance Buying a home takes more than just you and your agent. Lenders, inspectors, title reps, insurance providers—they all play a role, and each of them will likely need some kind of document, signature, or decision from you at some point along the way. You’re always free to choose who you work with, but if you don’t have go-to contacts, your agent likely does. Leaning on their network of trusted professionals can help make the process smoother. These are people your agent already has a working relationship with, which can lead to quicker responses, clearer communication, and fewer dropped balls. Either way, make your choices early and connect your team members with your agent so everyone is in the loop when the time comes. To avoid last-minute scrambling, try to front-load as many tasks as possible. Your lender may be able to gather key documents like pay stubs, bank statements, and ID copies ahead of time and keep them on file. If the timing works, you might even be able to knock out inspections or appraisals before you leave. At the very least, let your core contacts know your travel dates and the best way to reach you if something needs your attention. And if there’s someone you trust—like a family member, close friend, or legal rep—consider giving them written permission or even power of attorney to act on your behalf while you’re away. It’s an extra layer of protection in case something time-sensitive comes up, and your agent or attorney can help you get that paperwork squared away. Make Sure You’re Tech-Ready Most real estate transactions today can be managed remotely, at least to a degree. But that only works if you’ve got the right tools in place. Check that your phone plan includes coverage wherever you’re going, especially if you’re heading out of the country. If not, upgrade or add international service temporarily. Bring a laptop or tablet, make sure you know how to use e-signature platforms like DocuSign, and test your access before you leave. Wi-Fi may not always be reliable, so plan ahead for backup options. If you need to print, scan, or fax something, scope out nearby business centers or office supply stores at your destination. Many hotels offer these services too—worth confirming before you check in. Store Documents Securely (But Accessibly) Buying a home involves a surprising amount of sensitive paperwork—Social Security numbers, financial records, legal IDs, and more. It’s risky (and stressful) to travel with those items physically, but you may need them while you’re away. One smart solution is to upload essential documents to a secure, password-protected cloud storage service. That way, you can access and forward what’s needed from anywhere, without carrying paper copies through airport security. Just make sure you’ve tested access and organized your files before you take off. If there are a few documents you’ve been specifically told to bring with you, keep them on your person—not in checked luggage—and secure them in a locked bag or safe at your destination. Set a Daily “Check-In” Time Even on vacation, it helps to stay lightly engaged with your real estate team. You don’t have to be glued to your phone all day, but having a set time each day to check email, return calls, and review any updates can go a long way in keeping things moving. Let your agent and lender know when you’ll be available, especially if there’s a big time difference. It doesn’t need to be a long call—just enough to make decisions, sign what’s needed, or give the go-ahead on the next steps. And if you’re traveling with others? Give them a heads-up too. A quick explanation that you’ll need 15–20 minutes a day to keep a major life event on track can save everyone from surprises later. Consider Travel Insurance—Just in Case If you’re planning a once-in-a-lifetime trip or dropping a lot of money on travel, it might be worth looking into a travel insurance policy that includes “cancel for any reason” coverage. That way, if a can’t-miss opportunity or closing snag pops up and you have to delay or cancel your plans, you’re not entirely out of pocket. Even if you don’t go that route, having some sort of backup plan—like refundable bookings or flexible accommodations—can offer a little peace of mind. The Takeaway: Timing a vacation while buying a home can feel like tempting fate—but with the right preparation, you don’t have to choose between relaxing and staying on top of your transaction. From lining up a reliable agent and support team to setting aside time for daily check-ins, a little planning goes a long way toward making sure things don’t fall through the cracks while you’re away. The key is to think a few steps ahead. Have your documents ready, your tech in place, and your people connected. Whether you’re still house hunting or already under contract, you can absolutely take that trip—as long as you take the right precautions to keep everything moving behind the scenes.