First Time Home Buyer

[Fatimah Wilson]

Hi BP! I need some advice. Im looking to purchase my first home by the end of June and Im currently saving and paying down my debts. My only debts are my student loans and credit cards. I know this is probably a redundant question but if my credit utilization is a little high on two of my primary cards, lets say 45% should I pay them off to zero, get them down to a healthy 28% or just put the extra cash in my down payment reserves. I want to look my absolute best before I get pre-approved. Any and all advice is appreciated!!

Thanks in advance