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Strong credit can help you get a mortgage loan at attractive interest rates. Before applying for a loan, take a look at your credit score. A FICO credit score of 670 to 739 is considered good, while a score of 740 to 850 is considered very good or exceptional. If your score is weak, consider taking steps to improve your credit before seeking a loan. You can improve your credit by paying cash machine loans balances and limiting credit card usage to 20 percent of available credit.

Know what size loan you can afford. Many experts say your mortgage loan shouldn't exceed 2. 5 times your annual salary.

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