Your Credit Score Isn't the Only Thing That Matters
October 30, 2026
Quick Summary
Credit scores get a lot of attention, but they are only one piece. Lenders also look at your debt-to-income ratio, how long you have been at your job, your savings, and the type of home. A high score may not help much if your debt is too high. A lower score with strong everything else may still work.
Related reading: The truth about credit scores.
Video Transcript
Everyone obsesses over their credit score. And yes, it matters. But it's not the only thing standing between you and a home.
Lenders look at your full picture: your debt-to-income ratio, your employment history and how long you've been at your job, your assets and reserves, and the type of property you're buying.
A 780 score doesn't help much if your debt-to-income is too high. And a 600 score with strong everything else may still get you into a home.
So stop Googling your credit score and let's have a real conversation. Send me a message.
Next Steps
Take a look at our FHA loans and conventional loans, reach out to our team, or connect with me directly. We help buyers all across California.
Alisha Silva, Mortgage Loan Originator, NMLS #1683313. Lend Mortgage Solutions (50-50 Mortgage Inc.), NMLS #2289265. Equal Housing Opportunity. This video is for general education only and is not a commitment to lend.
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