Check your credit report for errors and fix them
Improve your credit score before applying
Pay down existing debt
Keep your debt-to-income ratio low
Show stable income and employment
Save for a larger down payment if possible
Apply for a loan amount you can afford
Gather required documents in advance
Avoid opening new credit accounts before applying
Make all current payments on time
Choose the right lender for your situation
Consider a co-signer if needed
Build a relationship with your bank or credit union
Provide accurate and complete application information
Limit multiple loan applications in a short period