How to Buy a House in Harrisburg PA – Step 3 – The Credit Process

How to Buy a House in Harrisburg PA – Step 3 – The Credit Process. When orchestrating how to buy a house, and you have already obtained your Pre-Approval from Step 2, any changes to your credit (additional accounts, closing accounts, fluctuating credit card balances) can result in the lowering of your credit score. If your credit score changes, that can affect your interest rate and even the loan approval itself. Therefore, it is imperative when considering how to buy a house that there are no major changes to your credit and information provided, during this process.

In order to consider how to buy a house, and for your loan to reach final approval and fund, you’ll want to adhere to the following:

How to Buy a House

Do's and Don'ts with Credit


1.      DO NOT charge any new items on your charge cards (higher balances will lower credit scores).

2.      DO NOT apply for any new charge cards or loans (new credit trade lines and credit inquiries can lower credit scores).

3.      DO NOT buy or lease any new major purchases – especially cars, furniture, appliances, etc… (even “no interest” loans, as they appear as new credit trade lines and will affect your debt to income ratio).

4.      DO NOT co-sign for anyone’s loans for any reason.

5.      DO NOT allow anyone to check your credit unless in the shopping process and even then, know the consequences (each inquiry may lower your credit score).

6.      DO NOT change employment may result in loan denial.

7.      DO NOT start any new remodeling jobs.


8.      DO continue to make all payments on time

Knowing how to buy a house, you must know that  a new credit report will be pulled before closing to make sure no new credit has been established and any inquiries will have to be verified to that effect. Following these simple rules, will ensure a stress-free loan process from the standpoint of your credit report. Then the 3rd step in How to Buy a House – the Credit Process, will go smoothly and allow you to start after your dream of a lifetime: owning a first, second, third home, etc! Only Real Estate professionals know the entire process. Contact me to teach you How to Buy a Home in Harrisburg PA. Ken Huebsch 717.514.1793 or


Harrisburg PA Real Estate Expert

Ken Huebsch is your premier real estate agent in the Greater Harrisburg area.  I am a specialist in Harrisburg real estate  as well as the communities of Palmyra, Hershey, and Hummelstown.  My wife Leslye and I have 40 plus years of experience serving our clients -We KNOW Harrisburg. When you plan to buy or sell Harrisburg area real estate, allow us to work for you.  We are dedicated professionals and are here for your success.  For more information on how we can best serve your real estate needs, please complete our online contact form or give us a call.  Also, check out what our fabulous clients have to say about us on our testimonials page!

Cell: 717 514-1793


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