Your Credit

There are strategies you can live with to make sure your score is as high as possible.

Your Trusted Partner in Home Financing

We’re excited to introduce our comprehensive approach to improving your credit score, now enhanced with our credit simulator. Imagine having a visual game plan that puts you in the driver’s seat, guiding you toward the best possible position with your credit. With our credit simulator, you can have a written plan for immediate action, or month by month up to two years.

Navigating the intricacies of credit scores can be challenging, especially when you’re preparing to buy a home or refinance your mortgage. Consistency is key. Our team is dedicated to equipping you with strategies that are not only effective but also sustainable for the long term.

Understanding the core components of your credit score is fundamental. Your payment history and credit utilization play pivotal roles. It’s imperative to pay your bills on time and refrain from maxing out your credit lines. Lower balances and responsible credit management can significantly enhance your creditworthiness.

Empowered by our expertise in credit science, we’re here to address all your inquiries and alleviate any concerns you may have. Let us demonstrate how you can achieve this and more, ensuring you’re primed for financial success.


Keep credit card balances under 30% of high credit limits.

Tip Two

Make payments on time!

Longevity of accounts helps build good credit.
Tip Three

Do not open or close any new debts.

Closing an account deletes it from your credit history.
Home Savings & Trust Mortgage

3701 Pender Dr. STE 150, Fairfax, VA 22030

911 Paverstone Dr. Unit A, Raleigh, NC 27615

2010 South Tryon St. STE D, Charlotte, NC 28203




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