Mortgage approvals are largely based on your credit score. So, it’s good to make sure your credit is in order before you start the rest of the process. You need to verify two things: (1) your credit score is high enough to qualify for a loan and (2) your credit report is free of errors that could stop the mortgage process.
There are loan programs that allow down to a 500 FICO credit score, but we recommend having a 640+ credit score so you can have an easier time applying for loans. If your score isn’t there, you can use this credit score simulator software I recommend to help you add points to your score.