For many of you, the thought of buying a home raises some financial concerns such as getting pre-approved and affording the down payment. Getting pre-approved is often based off your debt-to-income ratio, your credit score, work history, etc. Take note, that just because you pay everything on time, doesn’t necessarily mean that your credit score is perfect. It is important to have a sense of where your credit stands; check out creditkarma.com to find out.

CreditKarma.com provides you with a free credit score; no credit card required. By creating a free account and becoming a Credit Karma member, you will have safe and secure access to four different credit scores including your TransUnion Credit Score, Vantage Score, Auto Insurance Score, and Home Insurance Score. This system also includes a simulator that allows you to plug in variables and see how your credit score may be affected.

Staying up-to-date on your credit score and working to continuously improve it, will keep you on track so you know when buying a home is right for you.