As you are applying for your Florida mortgage, it’s important to evaluate your credit score. There are actually several ways in which your credit score can affect your mortgage. Securing a favorable interest rate will be much easier if you have a good credit score. You may also be able to borrow a larger sum of money. Don’t panic if you have a lower credit rating. By following a few simple steps, you can actually improve your credit rating. Before you do anything else, you’ll need to cancel your any unused credit cards. The next step in the process is to pay down your debt. Once that is finished, you’ll want to look over a copy of your credit report. If you are confident that you have a good credit score, you may want to apply for a Florida mortgage.