07/24/2026
At Better Life Real Estate and Financial Services we help people everyday qualify for a mortgage.
The two quickest ways to boost your credit score before applying for a mortgage are
1. Pay down your balances on all your revolving accounts that report on your credit report. (The lower the balance the higher the score)
2. Apply for a pledge loan at your bank or credit union. Navy Federal is a great credit union to use for pledge loans. (The pledge loan works like this. You give the bank the amount of money you want to borrow and they hold it. The bank gives you back the money you “borrow” as a loan. You can pay the loan back 90% after a few days and then slowly pay back the remaining balance) this type of loan, as soon as it reports, will boost your credit anywhere from 20-50 points. You will want to keep the loan open as long as possible for credit age.