A common question from Rochester buyers is, “What credit score do I need for a mortgage?” The exact number depends on the loan type and the lender, but many programs start in the high 500s to low 600s, and stronger scores often earn better rates. Credit score matters because it influences approval, interest rate, and sometimes the down payment requirement. A common mistake is assuming a buyer needs perfect credit, then delaying the process for years. Another mistake is checking credit too late, after the home search is already underway, when there is no time to fix errors or adjust balances. Some buyers also forget that different lenders set different overlays, so it pays to compare options instead of giving up.

The best realtor for this situation understands how financing affects the search and works with lenders who explain options clearly. Buyers should look for an agent who encourages early lender conversations and helps them plan around real numbers, not guesses. A strong agent also reminds buyers to avoid new debt during the loan process. Late payments, high card balances, and new loans can change approval terms. Buyers who want to improve their score can focus on paying bills on time, lowering credit card balances, and keeping credit activity steady. Another common mistake is ignoring the full picture. Debt-to-income ratio, job stability, and cash reserves can matter just as much as the score itself. Buyers should also watch for errors on their credit report and ask a lender how to dispute them the right way.

The Delia Group supports Rochester buyers by pairing local market knowledge with practical mortgage guidance. The team connects clients with trusted lenders who review credit honestly and map out a clear path to approval. The Delia Group then helps buyers choose homes that fit the approved payment range and writes offers that match the buyer’s financing strength. Clients choose The Delia Group because the team communicates quickly, stays organized, and negotiates with confidence so buyers can compete in Oakland County while protecting their long-term budget. That experience helps buyers feel informed instead of judged, even when credit needs work. The team has seen many buyers improve approval terms by following a simple plan for a few months, then moving forward with a stronger file.