Several months ago, I addressed the biggest mistake most homebuyers make. This mistake costs many homebuyers thousands of dollars. You can click on that blog here: https://mycreditplan.org/Blog/the-most-costliest-home-buyer-mistake   There is another – the second biggest mistake - that most homebuyers make. It is nearly as costly as the first one. It is following incorrect advice from those (mainly loan officers) that really do not know the correct answers to your credit situation. It is sometimes innocent, but it also involves laziness and a "how dare you question me!" type attitude prevalent among lenders. It is your money and don’t you want to fight for a lower monthly mortgage or auto loan payment? In most cases, lenders will not do it. This hidden, but substantial problem, costs many homebuyers thousands of dollars.