Your credit score plays a major role in the interest rate you’ll receive on your mortgage—so improving it before you buy can save you thousands. Try these quick wins:

• Pay down credit card balances (ideally to under 30% of your limit)

• Avoid opening new credit accounts during the pre-buying phase

• Make every payment on time, especially in the months leading up to applying

• Dispute errors on your credit report—you’d be surprised how often they show up

Even a small score boost could mean a better loan and a lower monthly payment.