Hubby and I are on top of putting our priorities. Especially on paying our bills on time. We already learned our lesson when Hubby's credit score dropped to low or average when we missed paying one of our utility bills that we used to lived at our old apartment and it end up to a collection agency. That was the one reason we couldn't afford to get any mortgage and a house loan.
After we paid the collection agency, hubby's credit started to build again. Though it is still in fair right now, it is good so far since we are working on how to improve our credit before we will purchase a house so that we are able to get a lower interest rate. It is also good to know that there are companies out there that will help you find the right type of mortgage loan that suit your need and right lender to help you save money on your home purchase.