"If you've been putting off buying a home because you think your credit score isn't high enough, you may be surprised to learn there are mortgage programs designed for a variety of financial situations.

Your credit score helps lenders evaluate how you've managed credit in the past. Higher scores can lead to better interest rates, but lenders also review your income, employment history, debt, savings, and overall financial picture.

If your credit isn't where you'd like it to be, don't get discouraged. Paying bills on time, reducing credit card balances, avoiding new debt, and reviewing your credit report for errors can all help improve your score.

Every buyer's situation is unique. Speaking with a mortgage professional can help you understand which loan programs may fit your circumstances.

Many people who believe they aren't ready to buy are actually much closer than they think. Understanding your options is the first step toward homeownership."