After an extended period of paying your credit bills on time, ask your bank for an increase to your credit limit. This can improve your utilization rate and make you more appealing for a loan.

Pay your bills on time as payment history is the most impactful factor of your FICO and Credit Score.

While fixed-rate mortgages are typically better in the long-term, an Adjustable-Rate Mortgage is a viable option for borrowers that anticipate moving and selling their house within a few years.