If you are like most people who are interested in purchasing a home, you don’t have enough money in your savings account to cover the entire cost. As such, you will need to go through a lending institution in order to obtain the money you need to purchase your home. To ensure you get the best rate and loan possible, it would be a good idea to take steps toward improving your credit rating before you start looking into your loan options. While improving your credit rating is a process that needs to be completed over time, it really is easier than you might think to improve your credit rating. Whether looking at Maryland luxury homes or a condo in Ulster County, here are 5 tips for improving your credit rating before you purchase a home.