You're already in a fundable range — but here are a few simple moves that could reduce your rate or down payment before approval:
- Keep average bank balances high through month-end
- Pay off 1–2 small credit cards to boost utilization score
- Avoid any new credit inquiries until after approval
- Submit a full set of documents early to avoid delays
These small improvements can increase your lender options. Let’s lock in the best outcome while you’re ahead.