To improve your chances and potentially lower your rate, consider these steps recommended by Bankrate and Starling GMC :
: Most institutions require at least a 600 score to approve a loan without a down payment; at or below 600, you should expect to pay more upfront to reduce the lender's risk [2, 5]. 3. Key Strategies for Approval
: Use prequalification tools to check rates without affecting your score through a "hard" credit pull [24, 30]. 4. Improving Your Position
: Disputing inaccuracies on your credit report can sometimes yield a quick score boost [34].