Credit Repair for Buyers

Conventional and jumbo loans are less forgiving than FHA or VA — and the pricing consequences of a lower score are brutal at higher loan amounts. Here’s how to prepare your credit before applying.

The VA loan is one of the best mortgage products in the country — but your credit report still has to pass lender underwriting. Here’s what VA actually requires, what lenders add on top, and how to prepare your credit.

FHA is the most forgiving mainstream mortgage program — but ‘forgiving’ is not ‘anything goes.’ Here’s exactly what FHA underwriters look at and how to fix the most common red flags before you apply.

The exact credit repair steps to take before applying for a mortgage in 2026, with realistic timelines, score targets by loan type, and the mistakes that can disqualify you at underwriting.