The 90-Day Credit Recon: Secure Your Best Rate Before Your NBK Move

If you are eyeing a home in Kitsap County this year, your credit score is the most powerful tool in your PCS kit. With inventory remaining tight in areas like Silverdale and Poulsbo, having a top-tier score isn't just about approval—it's about saving tens of thousands over the life of your loan.

At Richesin Homes, Marilyn Richesin and Jason Richesin know that mortgage readiness starts long before you cross the Tacoma Narrows Bridge. Use this 90-day protocol to arrive at Naval Base Kitsap in the best financial position possible.

Month 1: The Audit Errors are common during a PCS due to frequent address changes. Pull your reports from AnnualCreditReport.com and dispute any inaccuracies immediately. In a market where every basis point matters, an incorrect late payment shouldn't be the reason you pay more for a home in Port Orchard.

Month 2: Strategic Reduction Focus on your credit utilization. Aim to keep balances below 30% of your limits. A local pro tip: call your lenders to request a limit increase but do not spend the extra space. This simple move can provide a quick score bump just as you start browsing listings near Bangor or Bremerton.

Month 3: The Stability Zone As you get within 30 days of your move, avoid all new debt. Financing a new vehicle for the drive to Washington or opening new retail cards for furniture can trigger hard inquiries that lower your score. Keep your old accounts open to maintain your "age of credit," which is a significant factor in your overall rating.

The Bottom Line VA loans offer incredible flexibility, but a score of 720+ often unlocks the best pricing tiers. Starting this plan 90 days out ensures that when you find the perfect spot in North Kitsap, your financing is already mission-ready.

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