Your 1st option mortgage is just around the corner and you are anxious about getting a good deal. The hard truth is everyone that is looking towards their first mortgage is anxious about getting a great deal and not being forced to pay high rates of interest. Thinking like this is as common as the sun coming up in the morning, and you will be happy to know you aren’t the only one thinking this way. Everyone that has ever thought of getting their first mortgage goes through this process, and all you need to do is a little bit of research. The 1st option mortgage is a great way to get everything you may need to have the home of your dreams and, at the same time, being able to keep your credit score in good standing. There are plenty of sites online that can give you bits of information to help you in choosing which mortgage options are going to be the right ones for you. While it may take you some time to do this research, that time you spend will be for the best when it comes down to getting a great interest rate. Not everyone can get a good 1st option mortgage rate, and it’s usually due to their credit score being too low. If you are having thoughts about your credit score and the resulting interest rates, you will have to pay on it. Then you should see if there is anything you can do to fix your score first. You can get your credit score checked for free with the online credit sites, and you will be able to see if there is anything outstanding on it that you can fix. This is a great way of getting a lower rate. Whether you get a premier 1st option mortgage rate or not, you should still make sure your credit score is as high as you can get it. Nothing will put the brakes on loan approvals faster than having a low credit score. You should do everything in your power to get your credit score high enough that it will significantly lower your interest payments. If you can do this, then you will be sailing away into the sunset with your new home. Everyone deserves a nice place to live and your credit score will help you do this in more ways than one.