Whether you are refinancing or buying a new home in Franktown, your credit score is your biggest asset. Here is how to polish it for 2026:
- The 30% Rule: Pay down revolving debt to below 30% utilization. This boosts scores fast.
- The "Freeze": Don't open new cards or buy a car 6 months before applying.
- The Audit: Check all three bureaus for errors.
Get the best rate possible. Read our Refinance Readiness Guide.