Don’t wait until you are out of time to run credit. #residentialmortgage #creditscore

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Many homebuyers wait until the very last minute to have their credit pulled — thinking it’ll “protect” their score. But here’s the truth: waiting can actually work against you.

When you delay your credit check, you lose valuable time to fix small issues that could impact your loan approval or rate. Even minor errors — like a forgotten credit card balance or outdated account — can cause unnecessary stress right before closing.

By running credit early, you give yourself time to prepare strategically, dispute errors, pay down balances, and position yourself for the best loan options possible.

Don’t wait until the last minute — plan ahead so you can buy with confidence.

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