Before getting a mortgage or any kind of loan, you should always check your credit. You are allowed to receive one free copy of your credit report per year. You can do this by visiting www.annualcreditreport.com & www.creditkarma.com. Scores range from approximately 300 to 850; generally, the higher your score, the better loan you'll qualify for. Don't forget to check your report for errors. If there are any errors, dispute them. It may help your credit score.