Short answer
High-impact steps you can take in the 30–90 days before your application.
Aim for under 30% utilization per card, ideally under 10%. Pay before the statement cuts, not just before the due date.
Bring balances down
Aim for under 30% utilization per card, ideally under 10%. Pay before the statement cuts, not just before the due date.
Don't close old accounts
Length of history and available credit both help. Closing an old card can hurt both.
Avoid new credit
Skip financing furniture, opening new cards, or co-signing loans until after closing.
Key takeaways
- Low utilization is the fastest lever.
- Preserve old accounts.
- No new credit before applying.
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Sources
Program rules change and individual lender overlays apply. Verify specifics with the agency or with a licensed NexGen Capital advisor before relying on them.
Reviewed by NexGen Capital Corp
Written and reviewed by the licensed mortgage team at NexGen Capital Corp, a Florida mortgage brokerage (NMLS #1766649). Verify our license on NMLS Consumer Access.
Last reviewed: 2026
This article is educational and is not a commitment to lend or an offer of credit. Speak with a licensed NexGen advisor about your own situation.