A person's credit is the greatest factor in determining conditions for signing a mortgage loan. Mortgage rates can be affected by a matter of just few points in your FICO score. With an adverse credit rating, you can expect to pay higher rates, meaning higher interest and higher mortgage payments.
So, knowing how to get and keep your credit report in good standing is the most important thing when it comes to applying for a mortgage loan.
Reviewing your credit report every six months is key in maintaining accuracy and a high FICO score.