Your credit score doesn't just determine whether you get approved for a mortgage — it controls your interest rate, your monthly payment, and how much you'll pay over the life of your loan. In this episode, Scott breaks down exactly how credit scores work, what goes into them, and what you can do right now to put yourself in the best position before you buy.

What you'll learn:

• How mortgage lenders actually use your credit score (hint: it's not the one you think)
• The five factors that make up your score and how much each one matters
• Why the difference between a 679 and a 680 can cost you thousands
• The biggest mistakes buyers make with their credit before applying
• Practical steps to improve your score before you enter the market

Resources mentioned: