Before looking for a new house, you should do everything you can to prepare. Just a little bit of preparation can go a long way in eliminating surprises on your rate. The first thing you want to do is check your credit report. You may want to do this at least six months in advance before buying a home so you can have time to clean up your report if you have to. That may mean making disputes or getting rid of erroneous information.
All consumers are entitled to a free copy of their credit report from all the major consumer reporting agencies, once a year. Simply go to annualcreditreport.com to order it.