Bring your preapproval letter and lets shop for some BARGAINS !

Make sure your credit is as clean as possible, according to FICO, a person’s score is as follows:

35 percent is determined by payment histories on credit accounts, with recent history weighted a bit more heavily than the distant past.
30 percent is based on the amount of debt outstanding with all creditors.
15 percent is produced on the basis of how long the borrower has been a credit user (a longer history is better if there have always been timely payments).
10 percent is comprised of very recent history and whether the borrower has been actively seeking (and getting) loans or credit lines in the past months.
10 percent is calculated from the mix of credit held, including installment loans (like car loans), leases, mortgages, credit cards, and so on.