Things to do before submitting a Mortgage application?

What are some things I should do to better my credit, or increase my chances of approval for a mortgage application? My husband will turn 21 in December, and he has only one credit card which we’ve never maxed out or paid late for. We have a son (baby) and another dependent. He works full time and I work part time. We probably qualify for USDA loans or FHA mortgages. If there are any suggestions of things to do or make sure of before we apply. please feel free to share. (The price range of houses here is from 60 to 125 thousand). That is, decent housing.

Register New Account
Reset Password