Hmm that's a great question, especially after the subprime meltdown in the past couple of years. My advice would be is, print out copies of all three of your credit reports plus scores, Your FICO scores. I would then set up an appointment with a Prime Mortgage Lender, preferrably your bank . Having your credit reports with you will help since he won't pull a hard inquiry on your reports. And just talk to the person and have them tell you what you need to do or hopefully don't need to do. You also have to remember, they go way beyond your credit score, so make sure everything is up to date, including all your utilities bills, your rent etc. They look at everything, not just your score. Lowering your debt to Income ratio will be a huge factor, so I would look at getting your credit cards down as low as you can. But the best advice is usually right from the horses mouth. So I would go to your bank and have them look at everything.
