The Truth About Credit: What Lenders Really Look For
Most people think buying a home in North Carolina requires perfect credit — but that couldn’t be further from the truth.
In this workshop, we’re breaking down the real rules lenders use, how your score actually affects approval, and what you can do right now to qualify sooner.
This is the credit class every future homebuyer wishes they’d taken sooner.
What We’ll Cover
💡 What Credit Scores Really Matter in 2026
- What score you actually need to buy a home this year
- Which programs work with lower scores
- What lenders look at beyond the number
⚡ The Fastest Ways to Boost Your Score
- The top 3 strategies to raise your score in 20 days
- What to pay down (and what NOT to touch)
- How to avoid the mistakes that drop your score overnight
🎓 Student Loans & Mortgages
- How student loans impact mortgage approval
- What matters more: balance, payment, or status?
- How to position your loans so they help instead of hurt
🤫 When Credit Doesn’t Matter as Much
- Programs where credit is less important
- How compensating factors can override a lower score
- How buyers get approved even when they think they won’t
📉 What Lenders Don’t Tell You
- Why scores look different across apps, bureaus, and lender reports
- What to do before pulling your credit
- Insider guidelines most buyers never hear about
👥 Special Guests: Jeff & Michelle Harris, Revital Credit Services
Get expert insights from NC’s trusted credit pros — including real success stories, step-by-step repair tips, and what to avoid when rebuilding credit.