A very important tool that a mortgage company will look at is your credit score. This will help determine whether they will approve your mortgage and what interest rate they will charge.

If you would like more information on your credit score, go to: www.annualcreditreport.com . You can get a free credit report once a year to check over for accuracy. To get the actual credit score, there is a small fee.

In addition, to see an approximate mortage interest rate based on your credit score, go to www.myfico.com . Your actual interest rate may vary and this web site may charge for any additional information.