📊 Why Your Credit Score Actually Matters Your credit score directly impacts your interest rate and that rate controls your payment and total cost of the loan. Lower score = higher rate = more interest paid over time. The good news? Scores are fixable when you focus on the right moves: • Pay balances down • Keep utilization under control • Don’t open or close accounts randomly • Get set up on a credit score plan As a Las Vegas lender for first time homebuyers, I help buyers raise scores so they can access better rates and loan programs. Haley Hesselgesser, Mortgage Loan Officer Millennium Mortgage Group NMLS #1786240 | NMLS #2690051 Equal Housing Lender For informational purposes only this is not a commitment to lend or extend credit. All loans are subject to credit approval, income verification, and underwriting review. Program availability, terms, and eligibility requirements may change without notice.