Regardless of the loan type, your credit score matters the most to banks or financial institutions. A good credit score indicates that you have never defaulted on a loan, have paid your obligations on time, and are not a hungry borrower. It also assures the banks or financial institution that your profile carries a low credit risk, allowing them to approve a low-interest home loan. But what if your credit score is not great? In that case, you should consider the following pointers: