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Your credit refers to your ability to borrow money and pay it back as efficiently as possible. Healthy financial habits can help you establish a high credit score, which can lead to greater success when requesting a loan for a home.

When you're nearing the end of your home-buying journey, it's important to be extra careful with your credit, expenses, documents, and income. There are a few things to avoid in order to maintain your credit score and debt-to-income ratio, even after you've received your pre-approval. The hard work you put in with your lender and home-buying team will pay off if you keep these do's and don'ts in mind.

It takes time, effort, and dedication to create new, healthy financial habits to build foundations for success. Together, first-time homebuyers Alisha and Anthony were up to the task.

Jala Robinson began working with NeighborWorks® Toledo Region in 2024 to prepare for homeownership. Here's her story.