2. Credit counts
Long gone are the days of easy credit. That is not to say mortgage loans are hard to come by, but getting one requires a little more work.
A FICO score of 750 or above should be the goal. Payment history, length of time, and debt as a percentage of total credit are large components of your score. Check your credit reports (we all get a free report annually) and fix any errors. Make sure your credit card debt is less than 50 percent of your total credit card availability. If you have not used a card in awhile, use it gently and pay the entire bill when received.