Start with the lender, get to know your loan officer – Whether it’s a bank or credit union being on the same page with the lender makes a big difference. Make time to attend a free home buyer seminar or take the class online to learn about the home buying process. Keep credit inquiries to a minimum – Don’t buy new stuff on credit and continue to make on time payment – Do not close credit account and Do Not Open New credit line Keep Your account balances around 33% of the credit line.