Preparing for a mortgage

Get your credit mortgage-ready.

A mortgage is likely the biggest application of your life, and your credit is front and center. A stronger profile can mean the difference between approval and rejection — and between a rate that costs you and one that doesn’t. iBoost helps you prepare in the months before you apply.

See our plans How it works →
Why it matters

Your credit shapes the whole deal

Mortgage lenders don’t just decide yes or no — your credit profile influences your rate, your required deposit, and how much house you can afford. Credit responds to steady activity over months, so the time to prepare is well before you start house-hunting.

35%
Of your score is payment history — the factor you can build
Months
Not days — the runway meaningful credit change needs
Every point
Can matter across a 25- or 30-year mortgage
How iBoost helps

Prepare in the months before you apply

Payment history

Build the factor lenders weigh most.

Payment history is the single biggest input to your score. iBoost creates on-time activity reported to the bureaus, strengthening exactly the record a mortgage underwriter scrutinizes.

  • On-time activity reported every month
  • Reports to Equifax
  • Autopay so nothing slips before you apply
  • Cancel anytime
What shapes your scoreFocus
Smaller factorsPayment history
New creditMixAgeAmountsPayments

Payment history is roughly 35% of your score — the biggest lever.

iBoost builds this factor directly
Know your standing

No surprises when you sit down with a broker.

Walk into the mortgage conversation prepared, not hopeful. iBoost shows how close your profile is to the range lenders look for, so you know where you stand before you apply.

  • A lender’s-eye view of your profile
  • See how close you are to lender ranges
  • Understand what’s helping and hurting
  • Track progress as your application nears
Mortgage readinessOn track
TodayLender range
PoorFairGoodV.goodExcellent

Lenders generally look for the good–excellent range. Keep climbing.

Illustrative — lender criteria vary
Strategy

Know what moves the needle before you apply.

The right moves in the run-up matter — and so do the wrong ones. iBoost surfaces what to do and what to avoid in the months before your application.

  • Guidance on what mortgage lenders look at
  • Utilization tracking with budgeting tools
  • Honest expectations — never a promised score
  • Lessons relevant to a home loan
Pre-application checklistStrategy
Keep card balances well below their limits
Avoid opening new accounts right before applying
Leave your oldest accounts open
Limit hard inquiries in the months prior
The run-up is where it’s won
Ready when you are

The best time to prepare was a year ago.
The second-best time is now.

Give yourself runway before you apply. First bureau report within 30 days. Cancel anytime.

See our plans

Not ready for a paid tier? Start free instead.