Redfin Features Hometap's Advice on Smart Credit Habits for Aspiring Homeowners

Hometap shares expert guidance with Redfin on the credit habits aspiring homeowners should build before applying for a mortgage.

"Building credit before buying a home comes down to a few consistent habits: making on-time payments, keeping your credit utilization under 30%, and avoiding opening too many new accounts in a short period. There's no guaranteed shortcut, but staying consistent with these practices over time puts you in a much stronger position when it's time to apply for a mortgage," Mary Dawson with Hometap shares.

"For those starting from scratch, a secured credit card or a credit-builder loan are two of the most accessible ways to begin establishing a credit history. And if you don't have a card at all, tools like Experian Boost can help you earn credit for on-time rent, utility, or streaming payments, no credit card required," Dawson explains.

This article originally appeared on Redfin. Read the full article here.