Tips on How to Improve Your Credit Score

Hey folks, it's time to get real about your credit score. If you're anything like me, you probably don't pay much attention to it until it's time to apply for a loan or credit card. But did you know that your credit score can make or break your ability to obtain a mortgage loan?

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When you apply for a mortgage loan, lenders take a close look at your credit score and credit history. They want to know if you're a responsible borrower who will pay back the loan on time and in full. A good credit score can help you qualify for a mortgage loan with a lower interest rate and better terms, while a poor credit score can make it more difficult to get approved and result in higher interest rates and less favorable terms.

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In short, your credit score is one of the most important factors that lenders consider when deciding whether to approve you for a mortgage loan. By taking steps to improve your credit score, you can increase your chances of getting approved for a loan with better terms and save yourself thousands of dollars in the process.

1. Check your credit report regularly

This is a no-brainer, but it's worth repeating. Make sure to check your credit report for any errors or fraudulent activity. You can get a free credit report from each of the three major credit bureaus every year, so take advantage of it.

2. Pay your bills on time

This one seems obvious, but it's worth emphasizing. Late payments can have a big impact on your credit score, so set up automatic payments or reminders to make sure you're always on time.

3. Lower your credit utilization ratio

Your credit utilization ratio is the amount of credit you're using compared to your credit limit. Aim to keep your utilization ratio under 30% to improve your score.

1. Check your credit report regularly

This is a no-brainer, but it's worth repeating. Make sure to check your credit report for any errors or fraudulent activity. You can get a free credit report from each of the three major credit bureaus every year, so take advantage of it.

2. Pay your bills

on time

This one seems obvious, but it's worth emphasizing. Late payments can have a big impact on your credit score, so set up automatic payments or reminders to make sure you're always on time.

3. Lower your credit utilization ratio

Your credit utilization ratio is the amount of credit you're using compared to your credit limit. Aim to keep your utilization ratio under 30% to improve your score.

4. Increase your credit limit

If you're struggling to keep your credit utilization ratio low, consider asking for a credit limit increase. Just make sure not to use the extra credit as an excuse to spend more.

5. Diversify your credit

Having a mix of credit types (like a credit card, auto loan, and mortgage) can improve your credit score. But don't open new accounts just to add diversity - only take on credit that you actually need and can handle responsibly.

4. Increase your

credit limit

If you're struggling to keep your credit utilization ratio low, consider asking for a credit limit increase. Just make sure not to use the extra credit as an excuse to spend more.

5. Diversify your credit

Having a mix of credit types (like a credit card, auto loan, and mortgage) can improve your credit score. But don't open new accounts just to add diversity - only take on credit that you actually need and can handle responsibly.

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🏢 Top Reasons Lenders Still Love Houston Commercial Real Estate in 2025 💰

🌆 Why Houston CRE Is Still a Lender Favorite in 2025 💼

October 17, 20252 min read

🌆 Why Houston CRE Is Still a Lender Favorite in 2025 💼

🏢 Top Reasons Lenders Still Love Houston Commercial Real Estate in 2025 💰


Why Houston CRE Is Still Attractive to Lenders in 2025

Houston continues to prove itself as one of the most resilient commercial real estate (CRE) markets in the nation — and in 2025, lenders are taking notice. Despite tighter credit conditions and nationwide market corrections, Houston’s diverse economy, population growth, and strong asset fundamentals are keeping capital flowing into the city’s commercial properties.

🔹 1. Economic Diversification Drives Confidence

Houston’s economic stability goes far beyond energy. The region’s growth in healthcare, manufacturing, logistics, and tech sectors has balanced out the cyclical swings of oil and gas. This diversification makes Houston a safer bet for lenders who want predictable performance across market cycles.

🔹 2. Population Growth Fuels CRE Demand

With more than 7.5 million residents in the Greater Houston area, demand for industrial, multifamily, and mixed-use assets continues to rise. Lenders view population growth as a key buffer against vacancies and rent stagnation — ensuring long-term loan performance and lower default risk.

🔹 3. Industrial and Medical Assets Lead the Way

Industrial facilities near the Port of Houston, along with medical office buildings in West Houston and the Texas Medical Center, remain lender favorites. These asset types consistently outperform in both occupancy and rent growth, providing stable underwriting metrics for banks and private lenders alike.

🔹 4. Competitive Loan Structures from Diverse Capital Sources

From SBA 504 loans for owner-occupied real estate to DSCR and bridge loans for investors, Houston’s financing landscape remains deep. Platforms like Medallion Funds leverage over 600 lenders nationwide, ensuring borrowers can access competitive terms even as interest rates fluctuate.

🔹 5. Infrastructure and Corporate Relocations Keep Momentum Strong

Ongoing projects like the Grand Parkway expansion, I-10 corridor development, and corporate relocations to Katy and Fulshear have made West Houston a hotspot for investors. Lenders are eager to back markets tied to job creation and sustained infrastructure investment.

🔹 Final Takeaway

In 2025, Houston remains one of the most lender-friendly CRE markets in the U.S.. For borrowers, that means better access to capital, flexible structures, and opportunities to scale portfolios — even in a tighter credit environment.

If you’re looking to finance a commercial acquisition or refinance an existing property, Medallion Funds can connect you with the right lenders for your deal.


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© 2023-2024 Bill Rapp, Medallion Funds LLC, Director of Capital Advisory


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Bill Rapp - Commercial & Residential Mortgage Broker

Whether you're a first-time homebuyer, a seasoned investor, or a business owner with ambitious plans, securing the right financing is crucial. At Medallion Funds, we take the guesswork out of mortgages, offering a comprehensive suite of residential and commercial loan options to fit your unique needs. Looking for Your Dream Home? We understand the excitement and challenges of navigating the residential real estate market. Our experienced mortgage brokers will guide you through every step, from pre-qualification to closing. We offer a variety of loan programs to suit your financial situation, including: • Fixed-rate mortgages: Offering stability with predictable monthly payments. • Adjustable-rate mortgages (ARMs): Providing competitive rates for a set period. • FHA loans: Making homeownership accessible with lower down payments. • VA loans: Rewarding veterans with attractive rates and flexible terms. Investing in Your Business Future? Growth often requires capital, and we can help you unlock the potential of your commercial property. Our brokers specialize in a wide range of commercial loan options, including: • Purchase loans: Financing the acquisition of new buildings or land. • Construction loans: Facilitating the development of your project. • Refinance loans: Restructuring your existing mortgage for better terms. • SBA loans: Providing access to government-backed financing for qualified businesses. The Medallion Funds Difference: We go beyond simply finding a loan. We take the time to understand your goals and develop a personalized strategy. Here's what sets us apart: • Expertise: Our brokers have a deep understanding of both residential and commercial lending. • Competitive Rates: We leverage our strong lender relationships to secure the best possible terms. • Streamlined Process: We handle the paperwork, keeping you informed every step of the way. • Exceptional Service: We're committed to providing you with a positive and stress-free experience. Ready to Take the First Step? Contact Medallion Funds today for a free consultation. Let's discuss your financing needs and help you achieve your dreams!

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Copyright ©2021 | Mortgage Viking Team

Licensed to Do Business | NMLS # 228246


This is not an offer to enter into an agreement. Not all customers will qualify. Information, rates and programs are subject to change without notice. All products are subject to credit and property approval. Other restrictions and limitations may apply. Copyright © 2021 | Medallion Funds


Corporate | NMLS ID NMLS # 1825831

Corporate Address : 2651 N. Green Valley Pkwy STE. 101 Henderson, NV 89014

Corporate NMLS NMLS # 1825831 | Company Website: https://medallionfunds.com/bill-rapp/

Copyright ©2021 | Mortgage Viking Team Licensed to Do Business | NMLS # 228246

This is not an offer to enter into an agreement. Not all customers will qualify. Information, rates and programs are subject to change without notice. All products are subject to credit and property approval. Other restrictions and limitations may apply

Corporate | NMLS ID NMLS # 1825831

Corporate Address : 2651 N. Green Valley Pkwy STE. 101 Henderson, NV 89014 https://medallionfunds.com/bill-rapp/