New Contributor
Posts: 79
Registered: ‎12-20-2012
Re: How to look the best for mortgage approval by April?

I don't think getting your util down to 25-30% will make a big difference to your score.  It will be some, but probably not enough to make a big % change to your loan rate.  With only 5% down I suspect you will gain more benefit from increasing this amount.

Starting Score: 2012-10-06 EX: SSN has not been allocated! (funny I pay my taxes)
Current Score: 2013-10 Average 718
Goal Score: 760+