Answers by Jasmine Tsui

Building your credit score is absolutely achievable with the right steps and a little patience. Start by pulling your free credit report at AnnualCreditReport.com and disputing any errors — this alone can give your score a quick boost. Pay down credit card balances to below 30% of your limit, make every payment on time, and avoid opening new credit accounts while you're preparing to buy. Most down payment assistance programs in New Jersey require a minimum 620 score, though some go as low as 580. The good news — I work closely with experienced local lenders who specialize in first-time buyers and DPA programs, and I can connect you with the right people to get you on track. Reach out anytime at 201-920-5825 or nextmovenj.com — this is exactly the kind of conversation I love having.